If you can’t work because of a sudden illness or injury,
you can still be financially secure. Supplemental disability
income can help to ease the burden when your paychecks stop.
As you recover, disability insurance can help you have enough
to cover your bills, support your family and protect your
hard earned savings. A monthly benefit you choose, up to a
percentage of your income
An accident can wreak havoc on your
savings if you’re not prepared.
That’s why there’s accident insurance.
It gives you a cushion to help cover medical expenses and
living costs when you get hurt unexpectedly. On an average
three are 11 unintentional-injury deaths and about 2,330 disabling
injuries every hour during the course of a year. Nearly 1
in 8 people sought medical attention or suffered at least
one day of activity restriction because of an injury. Accident
insurance can pay you a lump sum benefit for on –or
off –the job accidental injuries, plus some medical
benefits. Because accident insurance is supplemental, it works
in addition to other insurance you may have. You can use the
policy on its own or to fill a gap left by your other coverage.
No one likes to think about getting cancer but it will still
affect 1 in 2 men and 1 in 3 women. While you may not be able
to prevent the disease, you can help protect yourself from
its cost. Cancer insurance can help you:
- Manage the high expenses of treatment
- Protect your family from financial hardship
- Concentrate on getting well
Because you work hard for your family, it makes sense to be
sure they’re financially protected – in life and
death. This is where term life insurance helps out. It gives
- Peace of mind that your family will be taken care
- The ability to purchase affordable insurance for
Life Insurance will give you:
- Fund value that earns competitive interest rates
- A potential source of money for future goals
For Individuals, for groups or a benefit bridge for Groups.
o Cost effective solution for the uninsured
o Great for people who have been turned down or rated up by
o Perfect to use underneath HDHP (High deductible health plan)
o Allows for part time, seasonal and new hire coverage.
o More cost effective than COBRA
A health insurance plan designed to provide
basic benefits for health care needs such as:
o Physician’s office visits
o Diagnostic x ray and outpatient lab tests
o In-hospital stays and Surgical procedures
o Emergency room visits and Child wellness visits
o Some plans provide Prescription card options.
Fully Insured – Is when the provider assumes all the
risks for the group; such as claims and profits.
Self Insured – Is when the group assumes some or all
of the risks for their group; such as claims and profits.
HRA’s - is a Health Reimbursement Account
which is a medical plan that the employer decides how best
to maximize their savings and Employee health benefits care.
This is not portable. Same network of health care professionals
and hospitals and the same preventive care coverage. Same
medical plan options and same pharmacy plan options.
HSA’s – is a Health Savings Account
which is a high-deductible health plan which you, the consumer
owns the HSA funds and decides when and how to spend them.
HSA dollars can be used tax-free for all eligible medical
expenses. They are also portable from one employer to another.
First dollar coverage for preventative care is standard on
HMO’S - A plan that has “network
systems” treats each network independently; typically
meaning that an insured CANNOT “cross” Networks
to receive in-network care; thus, all care – including
PCP referrals and INS self-referrals – must be obtained
from the same network system. It is the PCP’s responsibility
to ensure that the patient is receiving benefits from in-network
providers excluding self-referrals.
PPO’S - It is the patients responsibility to ensure
they are abiding by plan rules and/or limitations. The patient
is encouraged to verify that the provider is currently “participating”
as of the date of service. A participant is considered out
of network if they seek care from a non-participating provider
– or do not adhere to the rules of the plan; out of
network benefits are paid at a reduced coinsurance % (from
in network benefits), may have a higher deductible (from in
network benefits) and are subject to UCR (usual customary
rates). Referrals are NOT required unless the employee is
seeking out of network care (subject to each carrier’s
requirements) or mental health/substance abuse treatment.
POS – Is a HMO that has an indemnity (out of network)
benefit attached to the plan; works the same was as an HMO
in network, although in a “dual option” the POS
may have reduced coinsurance % for in network benefits. An
Open Access HMO product and pays its providers in the same
manner as an HMO, but to the typical consumer, acts as a PPO.
However, Open Access HMO’s cannot be referred to as
PPO’s. Referrals or PCP’s are NOT required for
Open Access HMO’s for in network benefits.
There are 3 types of dental plans.
|DHMO – You must use their network of providers.
The plan pays only for procedures which are listed in
the benefit and will only pay MAC (Maximum Allowable Charge)
If the doctor charges over the MAC, you will be responsible
for the difference.
|Indemnity - You can use any dentist. Type 1, Preventative
Procedures, pays 100%, Type 2, Basic Procedures pays at
80%, Type 3, Procedures pays at 50%
|PPO- You must use their network of providers. The plan
pays only for procedures which are listed in the Benefit
and will only pay MAC (Maximum Allowable Charge) If the
doctor charges over the MAC, you will be responsible for
A plan which provides a benefit plan with a schedule of allowances
showing precisely what’s paid for each covered service.
Most plans will pay for lenses, contact lenses, the exam,
and have frame allowance.
Group Short Term
A plan designed for the employer to provide to its employee’s
a short term disability benefit. Ranging from day 1 coverage
to 6 months usually. This benefit is a group policy and if
the employee leaves the company, the benefit terminates.
Group Long Term
A plan designed by the employer to provide to its employee’s
a long term disability benefit. Ranging from 3 months to age
65 usually. This benefit is a group policy and if the employee
leaves the company, the benefit terminates.
Group Term Insurance
A plans designed by the employer to provides to its employee’s
life insurance for the employee in case of death. This benefit
is a group policy and if the employee leaves the company,
the benefit terminates. This benefit typically is a small
benefit ranging from $10,000 to $25,000.
If you are interested in a quote for medical
or benefits, below is a summary of the information needed
to obtain a quote for your group.