How can you be sure you’re getting the best deal with the complicated coverages, exclusions, and deductibles of some of today’s health insurance plans? How do you determine whether your employees have adequate coverage? It’s never simple to answer both questions. As a business, you want to do what’s best for your employees and make sure they feel secure and confident. Regretfully, you don’t have the time or internal resources to sort through all of the options available on the Health Insurance Marketplace. That’s why companies wanting affordable health insurance plans in NYC turn to Margolis & Associates – the best and most experienced health insurance broker in Chester County.
With more than 50 years of experience in the health insurance industry, our team has developed a deep understanding of what businesses need to succeed. We’ve also gained valuable insight from over 1,500 clients across a wide range of industries. We’re the first choice for companies wanting affordable health insurance coverage. However, it’s not just about ensuring our customers have affordable plans but ultimately ensuring those plans provide the kind of protection and coverage their employees need.
Margolis & Associates can assist clients in finding a quality health insurance broker in West Chester County and across the Tri-State area. We know how the insurance market works, and how company needs vary from one industry to another. Using our extensive network and in-depth knowledge of how health insurers operate, we negotiate coverage that’s both affordable and comprehensive. So, what is the most common coverage under today’s health insurance plans?
Choosing Health Insurance Plans
Choosing among health insurance plans can often be a source of frustration. While it might be easier to make those decisions for yourself, it’s a much more complicated process when thinking about your family or employees. Trying to balance all your employees’ needs with affordability is by no means easy. However, there are some common essentials that all health insurance plans must cover.
The following list should give you some idea of what to expect.
Critical Health Insurance Plan Benefits
Most modern health insurance plans include preventive care coverage, such as routine doctor visits, health screenings, and annual checkups. They also cover hospitalization and emergency services. If an employee becomes ill, needs to see a doctor, or experiences an accident, whether at work or elsewhere, the plan helps pay for hospital stays, ambulance rides, and other related costs.
Prescription drug coverage is another key benefit for employees and their families. While deductibles and copay amounts can vary, most plans cover common medications. This coverage is especially important for families, and any limits or exclusions are clearly stated in the plan details.
Many plans now include support for mental health and substance use treatment. This coverage may include therapy sessions, psychiatric care, and counseling services—helping employees manage their overall health and well-being.
Pediatric services for children and newborns, such as doctor visits and prescriptions, as well as dentist and ophthalmologist visits, are also commonly covered. Expectant mothers receive coverage throughout their pregnancy.
- Preventative care (doctor visits, screenings, laboratory tests)
- Hospitalization and emergency medical services
- Prescription drugs
- Mental health and well-being
- Substance abuse
- Pediatric services
- Oral and vision coverage
The vast majority of health insurance plans do not offer coverage for cosmetic or elective surgery. In addition, unproven medical treatments or non-FDA-approved holistic medicines and drugs are also not covered.
Margolis & Associates: Your Company’s Health Insurance Partner
Very few companies have the time or resources needed to properly choose and manage their health insurance plans. It’s not just about selecting an affordable plan but ultimately about monitoring the changes to that plan and its impact on your employees.
If you are a company thinking of changing your health insurance plan and need the expert advice and guidance that only comes from working with an experienced health insurance broker, contact us now.
Note: This blog was updated 10/22/2025