OVERVIEWHealth Insurance generally is offered in three basic forms: Individual Health Insurance, Employer Sponsored Group Health Insurance, and government programs such as Medicare. Group Health Insurance is typically offered as a benefit to employees who work for a particular company and may be available if you or your spouse works for the sponsoring employer.
INDIVIDUAL HEALTH INSURANCEHealth Insurance Companies offer the ability to apply for health insurance as an individual over the web! If you would like to apply for health insurance or obtain rates for any of the below listed carriers please click on the link below! Be sure you are approved for new insurance before dropping any existing coverage. These plans are usually medically underwritten.
Get rates now! Click below.
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GROUP HEALTH INSURANCEYour employer may sponsor Group Health
Insurance benefits. An employer may or may not contribute a portion of
the premium towards the employee’s health insurance premiums cost.
Sole-Proprietors and IRS Tax Form 1040 Schedule C individuals may be
eligible for group coverage as an individual. Please check with our
office for additional information regarding eligibility for groups of
one.
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Group Insurance generally means two or more people working for a qualifying employer. Insurance companies require employers to prove that they are a qualifying group and require certain levels of participation from the employees. In the 5-county Philadelphia area Health Insurance has become more competitive over the past few years as there have been a number of new entrants competitively pricing their products in an attempt to grow their market share. In addition, tax law changes allow significant flexibility in plan design. Health Savings Accounts, Health Reimbursement Accounts, and Cafeteria Plans provide intricate and complex cost saving options potentially enhancing benefits and reducing costs. These features may be woven into your benefits programs improving overall affordability and coverage’s. Enclosed is a Request for Information and a Census Form, which we would use to discuss Health Insurance options for your company. Please feel free to call our office if you have any questions regarding your eligibility, rates and benefits. Plans range from zero deductible plans, with out-of-network benefits and no referrals required, with very low co-pays for doctors’ visits and prescription drugs, to plans such as Health Savings Accounts (HSA), which can have higher deductibles in return for lower premiums. If you would like us to provide a Health Insurance analysis for your company, please fill out the Indication of Interest Form, fax back to our office, or email to us, and we will have one of our representatives contact you to spend a few brief minutes on the phone to see if there is something for us to discuss further.
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HEALTH INSURANCE TERMSCoinsurance, Coordination of Benefits, Co-payment , Customary Fee, Deductible, HMO (Health Maintenance Organization), Managed Care, Maximum Out-of-Pocket, Expenses, Non-cancellable Policy, PPO (Preferred Provider Organization), Premium, Primary Care Doctor, Third-Party Payer, COBRA , Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA) , Out-of-Network Benefits
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