Plan Types:
Major Medical: The Traditional Group PPO’s, POS’s and HMO’s.
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Major Medical Plans usually have a doctor network, co-pay, deductible and co-insurance and are designed to meet all of the health requirements (from Johnny’s scrapped knee to a heart transplant) of an individual and his family
Major Medical: The Group (over 21) Self Funded Medical Insurance
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WB-0166-00-1-00 1/05 |
These Major Medical Insurance plans are designed to help healthy companies manage the spiraling cost of health insurance. Because traditional insurance is guaranteed issue, healthy groups have to pay the expenses of unhealthy groups. Self Funded let’s your group stand on its own with a chance of return of premium, while limiting the downside risk.
Major Medical: The Group (Under 50) and Individual Medical Savings
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These high deductible Major Medical Insurance Plans allow you to save 75% of the deductible in a Medical Savings Account to be used to pay your medical expenses not covered by your by your insurance caused by the deductible.
Mini-Medical Insurance: Limited Benefit and Supplement
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For Groups of 10+
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For Individuals & True Groups of 50+ |
For Groups of 500+ |
Mini-Medical Insurance is a combination of true HIPPA compliant Health Insurance and supplemental portable re-imbursement insurance that indemnifies a specific medical event.
Medical Supplement Insurance: Limited and Indemnity Reimbursement Insurance
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Medical Supplement Insurance is used to supplement high deductibles, co-insurance and co-pays of a major medical insurance policy or as stand alone products to indemnify or reimburse for a specific medical expense.
Temporary Insurance: Short Term Major Medical
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Temporary insurance is short term health coverage to carry you through a temporary circumstance in your life? Don't risk being unprepared for the unexpected. Affordable temporary health insurance can be obtained during your “waiting period” for your group health, or instead of COBRA or for any reason for period of 1month to 3 years.
Although it is not insurance Discount plans are often used for obtaining lower costs by using a network of providers in Medical, Dental, and various other Group Member Areas.
For all the needs of our clients outside our area of expertise we are founding members of iSSI-iNFORMATION Sharing Solutions, Inc., a PROfessional Resource Organization of Payroll, Insurance, Investment and Tax PROfessionals