HEALTH INSURANCE
Whether you need Individual Health Insurance for yourself, or you are looking for Group Health Insurance for your business, we have a variety of plans from which to choice. We also offer Health Savings Accounts.
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GROUP HEALTH INSURANCE
We are brokers and we market various insurance carriers. A group is considered as two or more people. Please contact us or send your census so that we may find you the best health-care provider for your specific needs.
We market all the healthplan alternatives: HSA's (Health Savings Accounts), HRA's (Health Reimbursement Arrangements), Self-funded and partial self-funded accounts.
Should you want to remain with your present carrier, we can show you alternatives to lower your premiums.
Call us for a free consultation.
To Print Out a Census Form and Fax it Back to US CLICK HERE
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INDIVIDUAL HEALTH INSURANCE
There are numerous options available to individuals and families. We make the selection process easier for you because we do the shopping. Let us find you the best value for your premium dollars. Please fill out this attached form.
CLICK HERE for a FREE QUOTE
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HEALTH SAVINGS ACCOUNT (HSA)
A Health Savings Account is a tax-deferred saving accounts combined with a qualifying high-deductible health care plan. The Health Savings Account is used to pay for qualified medical expenses up until the deductible has been paid. When the deductible has been paid, the insurance company will pay for all, or a percentage, of all covered medical costs. Health Savings Accounts, enables you to take control of your own health care decisions.
- Who Qualifies for a Health Savings Account?
Individuals, Families, Self-Employed, Employers, Employees, and Unemployed - Who Doesn't Qualify?
Anyone is on Medicare
Anyone who is Claimed as a dependent on a tax return
Anyone covered under a low deductible insurance plan -
What Medical Expenses are Qualified?
Prescription Drugs
Expenses from qualified Long-Term Care Services and Long-Term Care Insurance
Expenses from Diagnosis, Cure, Treatment, or Prevention of Disease
Amounts paid from Health Insurance for anyone Unemployed
Continuation Insurance coverage required by Federal Law (Cobra)
Medicare Expenses (excluding Medigap)
Health Expenses for Retiree's and individuals age 65 and older
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What if Medical Expenses are Non-Qualified?
Distributions made for medical expenses that are non-qualified are subject to income tax and a 10% penalty. In case of death, disability or once the individual reaches age 65 the 10% penalty is waived.
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Can HSAs be used to pay for anything else?
Medical expenses not covered by the employee's health plan, can be paid for by an HSA. Some of these expenses include dental, vision and over-the counter medications (as long as prescribed by a physician). A copy of all receipts must be kept by the individual for IRS reporting.
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What health insurance plans are HSA-eligible?
To be considered HSA-eligible a health insurance plan must meet the following criteria:
The health insurance plan must have an annual deductible of at least $1,100 for individuals and at least $2,200
for families.
The sum of the annual deductible and any other annual out-of-pocket expenses required to be paid under the
insurance plan (other than premiums) not to exceed $5,500 for individuals and $11,000 for families.
CLICK HERE for a FREE QUOTE
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Have Questions? Need Help
800-800-1274
For more information see our Resource page or contact us
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