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HEALTH |
Individual & Family Plans
Health - Dental - Life - Disability
. Apply online with links below
. Call our office for advice on plan choices
. Catastrophe Plans available: low cost - high deductible
. Comprehensive Plans available: lower deductible, maternity, drug coverage, etc.
. HSA - Health Savings Account Qualified Plans - Tax qualified savings accounts
. Dental & Vision Available |
We provide full insured plans offered through
CLICK BELOW TO APPLY |
| Lifewise |
Group Health |
Regence |
Assurant |
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. Medicare Advantage Plans
. Medicare Supplement Plans |
| Medicare |
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Group Plans
Health - Dental - Life - Disability
Standard Group Plan
We provide fully insured plans
. Community Rating on all groups under 50 employees
. Open Enrollment for new employees
. Group plans available for business from 3 to 200 employees
. Healthy Lifestyle Support offered
. Prescription Drugs, Dental, Vision, and Group Life as options
Partially Self Funded Group Plan
. Lower Initial Premiums - up to 20%
. Returned Premiums - up to 30% at the end of the policy year
. Employer Designed Plans to maximize Benefits
. 75% Participation Requirement
. 50% Employer Contribution Required
Click below to Complete Employee Census |
| Self Funded |
Group Health |
Regence |
Assurant |
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Common Terms and Features of Health Insurance:
Most Major Medical Plans cover Hospital, Physician Service, Diagnostic Tests, and may include Prescription Drugs or Dental Coverage as an option.
These plans usually are administrated as a HMO (Hospital, Medical Facilities owned and Physicians employed by Plan) or PPO (Hospital, Medical Facilities and Physicians contracted by the Plan). Care should be given to select the plan that offers those medical facilities and Doctors you want to use.
All plans share the expenses of the medical costs with the member (insured):
1. The first cost paid by the member is the annual deductible. This is paid by the member before any costs are paid by the plan. This may or may not apply to Physician Office Visits. If the deductible doesn’t apply to the office visit than there is usually an Office Visit Co-Pay which ranges from $10-$45 per visit. Some plans may only allow up to a certain number of visits with the co-pay and then all other office visits are subject to the annual deductible.
2. Co-Insurance becomes the second shared expense. Most plans then will pay 90%/80%/70% of the medical expenses and the member pays the difference. This is based on the medical expenses after the annual deductible has been met.
3. Most plans have a stop loss or maximum out of pocket feature. This means that once your shared costs from the deductible and Co-Insurance reaches a specified limit then all additional medical expenses are covered by the plan at 100%. There is no lifetime limits as a result of the Federal Health Care Reform.
4. Drug and Dental coverage will have a separate deductible, co-insurance and co-payments.
This is intended to be a brief explanation of policy definitions and not a description of a plan summary. Please contact our office if you need additional information |
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