Medical Insurance

We help you deliver affordable health care to your employees with resources and services that save you time and money. For medical coverage, FFP Benefits represents:

HMO or EPO Plans

Designed for employers looking for lower costing premiums. HMO or EPO plans generally have in-network coverage only. If you currently seek care from a physician who accepts your insurance, HMO or EPO plans will work well for you.


If you are seeking treatment for a physician who generally does NOT accept any insurance plan, a POS or PPO plan is a great option. POS or PPO plans have an out of network coverage option. Once a deductible is satisfied, you will receive a percentage of money back for a claim while enrolled on a POS or PPO plan.

H.S.A. (Health Savings Accounts)

HSA plans are a GREAT way to save a lot of premium. These plans require an enrollment subscriber to meet a high deductible before any benefits are distributed from your insurance carrier. As a result, premiums for an HSA plan are generally very low. It’s almost like you are self-insuring yourself up to the deductible you wish to set. This can be a very good option for those that want catastrophic type coverage and do not anticipate many claims for the year.

PEO (Professional Employment Organization)

Looking for a health plan that handles everything for you? Payroll, Workers Compensation, Human Resource functions and Health Insurance? That’s precisely what a PEO can do for you. FFP benefits has relationships with several PEO firms and can assist you with obtaining a proposal.

FFP Benefits represents the following carriers:

For the Small Employer (2-50 employees):

  • Aetna
  • Horizon BCBS of NJ
  • Cigna
  • Health Republic
  • Qualcare (MEWA)
  • Prestige (PEO)
  • AmeriHealth
  • Oxford Health Plans
  • Starmark/Trustmark
  • Assurant
  • Extensis (PEO)
  • OptiMed