Health Insurance
Individual Benefits
Individual health insurance plans are designed for the specific needs of the one applying. Whether you are looking for maximum coverage or are on a budget, we'll find a plan specific to your needs. We represent the most competitive companies in the market, which enables you to get the best value.
Benefits
- Medical
- PPO
- HSA
- Disability
- Dental
- Medicare Supplements
- Medicare Part D
Medical
- Medical Insurance is something that no one can afford NOT to have. We all know that the cost of Insurance is on the rise and with a tough economy and job losses it puts a major strain on our budgets, but without health insurance you run the risk of losing your home, investments, savings, etc.
- For example, an injury as relatively small as a broken leg could cost you around $10,000 without health insurance. Here is a list of possible expenses; a trip to the ER, surgery, room and board for the hospital, physical therapy, follow up visits. Now imagine if you were to be diagnosed with a serious issue such as a heart ailment, cancer, infectious disease, or other serious disease. The costs are likely to be well into the millions of dollars for treatments. These are all possible scenerios that could happen to you at anytime.
- For example, an injury as relatively small as a broken leg could cost you around $10,000 without health insurance. Here is a list of possible expenses; a trip to the ER, surgery, room and board for the hospital, physical therapy, follow up visits. Now imagine if you were to be diagnosed with a serious issue such as a heart ailment, cancer, infectious disease, or other serious disease. The costs are likely to be well into the millions of dollars for treatments. These are all possible scenerios that could happen to you at anytime.
- PPO Plans or Preferred Provider Organizations are the most popular plans on the market. These plans have out of network benefits and no specialist referrals are necessary. These are great plans for the price with no hoops to jump through. They offer co-pays and low deductibles.
- Health Savings Accounts (HSA) is a form of Induvidual health insurance for the person who is looking for a very high deductible with no co-pays. All deductible cost must be met before the plan will pay. To offset cost a tax deferred savings account is set up that can only be used for qualified medical expenses or for retirement if funds aren't used.
- Click the link for IRS Documentation - www.irs.gov/pub/irs-pdf/p969.pdf
Disability
- Health Insurance covers your medical expenses but what happens to your income when you are out of work? Disability insurance is the only thing that protects your income. Health Insurance and Disabilty Insurance are the two plans you cannot afford not to own.
Medicare Supplements
- These products only apply if you are Medicare eligible which is 65 and older or are on Social Security disability. These are great helping you to reduce your medical expenses and picks up the bill when Medicare will not.
Part D
- This is the Medicare Prescription Supplement to help reduce your cost on prescriptions drugs.
Group Health Benefits
Group health benefits are our specialty! We are efficient and make this process easy for you! Not to mention - we are very good at saving you money! It's free to find out how much we can help your business by saving you money and valuable time!
Call today to find out how!
- Medical
- HRA
- Life
- Dental
- Term Life
- Short Term Disability (STD)
- Long Term Disability (LTD)
- Voluntary Term Life
Supplements
- Cancer
- Hospital Protection
- Intensive Care
- Accidental
- Short Term Disability (STD)
Medical
- We offer all major carriers but only offer the most competive plans that will benefit your company the most.
- Insurance companies cater to different types of businesses. We compare all of these companies to find the best fit.
HRA
- Health Reimbersment Arrangements are an alternative way to save money on health premiums. You ultimately increase your risks but normally save enough on monthly premiums to offset these risks. This is a form of partially self-funding deductibles by paying a portion of the employee's deductible. This plan assumes that only a small percentage of the employees will actually use the deductible therefore reducing the total insurance cost. This is not for every business and we weigh the risks versus savings to see if this is a logical option.
Dental, Term, STD, LTD
- All major competitive carriers are represented
- Combine or Mix and Match Companies
Supplements
- Supplements are Indeminty Policies which mean they pay for particular events such as cancer, hospitalization, intensive care, accidents, disability, etc. AFTER charges occur. These benefits pay you, the patient, not the health provider.
- Example
- You go for a check up and you are diagnosed with a an internal cancer, the cancer policy will pay you $5,000 up to $10,000 depending on which policy you have selected. It will also pay you for chemo and radiation treatments for each treatment.
- Accidental plans pay for certain accidents and will pay for ER visits, therapy, etc. It's very important to make sure you understand which accidents are covered and not covered.
- Example
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