Book Now
MPE Engine

Information

Let us teach you how MoTek Insurance can restructure health benefits to increase health coverage for your employees and save on monthly premiums.

Triangle Dots
HRA Works
HRA/HDHP
Learning Resources
Support
rectangle dots

How An HRA Works

Maximize your healthcare dollars with our HRA/HSA options, allowing you to leverage pre-taxed funds to cover medical expenses.

Step 1

Employer decides how much to contribute and when funds are available for the employee's use.

Step 1

Employer decides how much to contribute and when funds are available for the employee's use.

Step 2

Employee goes to the Doctor or Pharmacy.

Step 2

Employee goes to the Doctor or Pharmacy.

Step 3

The pharmacy or doctor submits the claim to the insurance carrier.

Step 3

The pharmacy or doctor submits the claim to the insurance carrier.

Step 4

The pharmacy may collect the employee’s copay at pickup. For medical services, the provider may collect a copay at the time of service or bill the employee after the insurance claim has been processed.

Step 4

The pharmacy may collect the employee’s copay at pickup. For medical services, the provider may collect a copay at the time of service or bill the employee after the insurance claim has been processed.

Step 5

The HRA reimburses eligible expenses according to the employer’s plan design. The employee is responsible for any remaining eligible costs, subject to the health plan’s deductible, copays, coinsurance, and out-of-pocket maximum.

Step 5

The HRA reimburses eligible expenses according to the employer’s plan design. The employee is responsible for any remaining eligible costs, subject to the health plan’s deductible, copays, coinsurance, and out-of-pocket maximum.

book now
Tax-Saving Strategies: Make your healthcare dollars go further with thoughtfully structured HRA and HSA options. These programs can help employers and employees use tax-advantaged funds for eligible medical expenses while creating more flexibility and control over healthcare spending.

Learning Resources

Health insurance can be complex, especially for small businesses balancing cost, coverage, and employee needs. Clear information and thoughtful guidance can help employers and employees better understand their options and make more informed benefits decisions.
Triangle Dots

Employee Wellness and Retention

A strong benefits program can play an important role in attracting and retaining employees. Competitive health coverage shows employees that their well-being matters while helping support job satisfaction, loyalty, and long-term retention.
Person Expressing Appreciation Their Workmate
Learning Resources

Maximizing HR Efficiency and Employee Satisfaction with MoTek Insurance

two happy business people shaking hands
key concepts in health insurance

Common Misconceptions About Health Insurance

Higher premiums do not always mean better value.
A plan with a higher monthly premium may reduce certain out-of-pocket costs, but the best option depends on how the plan is designed, how often you use healthcare, and your overall financial situation.

Lower-premium plans can sometimes provide meaningful savings.
Depending on the available options, a high-deductible health plan may offer significantly lower premiums than a richer plan. The right choice should be based on total cost, not premium alone.

Medical necessity does not automatically guarantee coverage.
Even when a doctor recommends a service or treatment, the health plan may have its own coverage guidelines, prior authorization requirements, or medical-necessity criteria.

Your out-of-pocket maximum matters.
For covered in-network services, the out-of-pocket maximum can help limit how much you are responsible for paying during the plan year. Understanding deductibles, copays, coinsurance, and maximum out-of-pocket exposure can help you compare plans more effectively.

The goal is not simply to choose the lowest premium or the richest plan—it is to understand the complete cost and coverage picture before making a decision.

presentation about health insurance
medical services and products

MoTek Insurance

Claims Assistance

Insurance claims can be confusing and time-consuming. MoTek provides hands-on support to help employers and employees understand claim issues, communicate with carriers, and work toward timely resolutions—so you’re not left navigating the process alone.
Health Insurance Alphabets

MoTek Insurance

Claims Assistance

Your Trusted Partner for Seamless Claim Support. With expert guidance, dedicated advocacy, and clear communication, we ensure your claim issues are resolved promptly and hassle-free. Let us handle the details while you focus on what matters most – your health and peace of mind.

Health Insurance Alphabets

Understand How Much Your Plan Will Cost

Your health insurance costs include more than just your monthly premium. When you receive medical care, you may also be responsible for additional costs such as deductibles, copayments, and coinsurance. Understanding how these costs work can help you better compare plans and prepare for healthcare expenses.

Deductible

The amount you pay for covered healthcare services before your health insurance plan begins sharing the cost. Some services may be covered before the deductible is met, depending on your plan.

Coinsurance

The percentage of a covered healthcare service that you are responsible for paying after meeting your deductible. For example, if your coinsurance is 20%, you may pay 20% of the allowed cost while your insurance plan pays the remaining 80%.

Copayment

A fixed amount you pay for a covered healthcare service, such as a doctor visit, specialist visit, or prescription. Copay amounts can vary depending on the type of service and your plan.

cost responsibility before and after the deductible
comparison of different health insurance
Triangle Dots

Things to Consider When Choosing a Metal Level

Health insurance plans are commonly grouped into four metal levels: Bronze, Silver, Gold, and Platinum. These levels help illustrate how costs are generally shared between you and the insurance plan.
Plans with lower monthly premiums often have higher out-of-pocket costs when you receive care, while plans with higher monthly premiums may reduce what you pay when services are used. The right metal level depends on your budget, healthcare needs, and how often you expect to use medical services.

Network and Plan Types

Different health plans offer different levels of provider access. Some plans offer more flexibility in choosing doctors and healthcare facilities, while others use a more defined network and may charge more—or provide limited coverage—for out-of-network care.
Triangle Dots

Health Maintenance Organization (HMO)

An HMO generally requires members to receive care from doctors, specialists, and facilities within the plan’s network, except in emergencies. Members typically choose a primary care physician who helps coordinate care and may provide referrals to specialists. HMO plans often offer lower premiums and out-of-pocket costs in exchange for a more structured provider network.

Exclusive Provider Organization (EPO)

An EPO generally covers care only when you use doctors, specialists, and facilities within the plan’s network, except in emergencies. Unlike many HMO plans, EPOs typically do not require a referral to see a specialist. They can offer a balance between provider flexibility and network-based cost savings.

Preferred Provider Organization (PPO)

A PPO gives members more flexibility when choosing healthcare providers. You can generally receive care from both in-network and out-of-network providers, although using in-network providers usually results in lower costs. PPO plans typically do not require referrals to see specialists and may have higher premiums in exchange for broader provider access.

How you and your insurer share cost example