Group Medical

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Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:

• Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
• National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
• Catastrophic transplant coverage – Full policy limits apply – no hidden sublimits.
• Open formulary list for prescription drugs – No list that omits certain drugs.
• Preventive care – Annual physicals and wellness benefits apply for adults and children.
• Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
• Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

• Many plan designs and options – Up to 60 different plan design options available, depending on your state.
• Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses. Freedom Services provides administration services for our DRP.
• Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
• Medical management program – Helping you get the right care at the right time in the right setting. Encompass Health Management Systems has partnered with Federated to design a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
• Prescription drug plan – Federated works with Caremark, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Participants are provided with drug lists specifically selected for their plan design. Use of preferred brands on your drug list may save you money.
• Vision discount program – Federated offers this program through CAREington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.

More than 100 local, state, and national trade associations recommend Federated’s group products to their members.

*This is general information only and should not be relied on for specific coverage information. The provisions of the policy will determine coverage. Contact your Federated representative for further details.