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Health Insurance Services

Disability Insurance
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Long Term Care

Individual & Family Medical Insurance

Protecting that which Matters Most

We can help you find a medical insurance plan that fits your budget, from a plan that offers generous coverage to a high-deductible plan designed primarily to protect your family from the cost of catastrophic illness or injury. These plans meet the requirements of the Affordable Care Act health care reform law so you won’t have to pay a penalty.

You can also buy supplemental insurance plans that will pay some of the costs your health insurance plan won’t cover. These include hospitalization insurance (or hospital indemnity insurance), critical illness insurance, and long-term care insurance. These supplemental insurance plans will pay benefits if you are hospitalized, suffer from a covered illness, or require long-term care.

Medical insurance plans with full coverage fall into three major categories:

PPOs are the most common type of health plan today. A PPO contracts with a network of doctors; plans typically reimburse a higher percentage of fees for in-network doctors. Members can use non-network providers but will have higher copayments. Plans usually include features to avoid unnecessary health expenditures, such as requiring pre-authorization for elective procedures or a primary care physician’s referral for visits to specialists. Most plans also include wellness or disease management benefits designed to keep your employees healthy and control your claim costs.

An HMO requires members to use physicians within the HMO’s network; HMOs typically do not pay anything for out-of-network treatment, except in cases of emergency. HMOs give your employees less flexibility in provider choice, but often cost less and involve lower out-of-pocket payments than other plans.

POS plans combine features of HMOs and PPOs. Most POS plans require members to choose a primary care physician from within the POS network, but allow them to use out-of-network agents with a referral from a primary care physician. Co-payments will be higher for out-of-network services.

If you want protection from catastrophic illness but you want to pay less in premiums, you can take advantage of a high-deductible health plan linked to a health savings account. These plans offer lower premiums than a plan with full coverage. You can use the savings to build funds in a health savings account, which you can use for any tax-qualified healthcare expense.
Only individuals with an eligible high-deductible health plans and no other health insurance can have an HSA. You use account balances to pay for qualified health expenses and funds can accumulate from year to year.

Some employers fund their employees’ HSAs–employer contributions to an HSA are not considered taxable income. Contributions you make, up to the annual maximum, are tax deductible. Withdrawals used for eligible medical expenses are not taxable, and interest on your funds is also not taxable.

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