Benefits
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Benefits
R&R Integrated offers comprehensive health benefit services designed to support organizations in managing their employee health plans effectively. From providing group medical plans like HMOs, PPOs, and high-deductible health plans to offering flexible funding arrangements such as fully insured, level-funded, and self-funded options, R&R Integrated ensures that businesses can tailor their health benefits to meet the needs of their workforce. Additionally, they provide expertise in dental, vision, and supplemental health plans, helping companies navigate the complexities of healthcare regulations while promoting the well-being of their employees. With R&R Integrated's health benefit services, organizations can reduce costs, enhance employee satisfaction, and maintain compliance with industry standards.
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Health Benefits
Group Medical Plan
- HMO plans
- HMO Open Access plans
- POS Open Access plans
- PPO plans
Funding Arrangements
- Fully insured
- Level-funding
- Reference based pricing
- Health savings accounts (HSA)
- Flexible spending accounts (FSA)
- Health reimbursement accounts (HRA)
- Dental PPO/DHMO
- Vision PPO
Self-Funding
- Employer funds and takes on financial risk
- Includes fees to third-party administrators for claims
- May include fees for stop-loss protection
- Includes full access to claims data
Ancillary
Group Basic Life and AD&D
- AD&D covers accidental death or dismemberment
- Coverage includes accidents from machinery, drowning, slips
Group Short Term Disability
- Covers temporary disability leave
- Qualifying events disable the worker short-term
Group Long Term Disability
- Coverage between 5-10 years or until age 65
- Covers illnesses like cancer, musculoskeletal, nervous system disorders
- Does not typically cover pre-existing conditions
Supplemental and Worksite Benefits
Accident
- Pays cash for specific accident services
- Helps offset deductibles, copays, and coinsurance
Critical Illness
- Pays cash for specific critical illnesses (heart, cancer, stroke)
- Helps offset deductibles, copays, and incidental expenses
Cancer
- Pays cash for cancer diagnosis
- Helps offset deductibles, copays, and incidental expenses
Hospital Indemnity
- Pays cash for in and out-patient hospital stays
- Pays a portion of your deductible
GAP Coverage
- Pays a specific amount to help offset higher deductibles
- Helps with out of pocket expenses due to inpatient hospital stays