Bill Flax, President of Greentree Management & Insurance, Inc. has been in the business of helping people since 1986. In 1993, Bill and a partner founded Great Oak Financial, the first of two insurance agencies. In 2001 Bill founded Greentree. Greentree is an independent agency licensed in multiple states and represents many insurance companies. What separates our agency is our unconditional commitment and dedication to provide personal, caring, and compassionate service to our clients.
Whether it's negotiating renewals, appealing claims, or working with family members who are ill and in need of help, we are here for you. Services Greentree provide range from identifying the insurance needs of individual clients and employers through implementation and service support. Analyze renewal rates and identify items that should be considered by carriers when determining renewal premiums, i.e. turnover of personnel, addition of new hires, etc.
Meet with insurance companies and provide feedback on employer issues which assist carriers in making changes to plan designs, underwriting procedures, etc.
Whether it's negotiating renewals, appealing claims, or working with family members who are ill and in need of help, we are here for you. Services Greentree provide range from identifying the insurance needs of individual clients and employers through implementation and service support. Analyze renewal rates and identify items that should be considered by carriers when determining renewal premiums, i.e. turnover of personnel, addition of new hires, etc.
Meet with insurance companies and provide feedback on employer issues which assist carriers in making changes to plan designs, underwriting procedures, etc.
Services
What kinds of health insurance are there?
There are essentially two kinds of health insurance -- Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
There are essentially two kinds of health insurance -- Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Life Insurance - What are the principal types of life insurance?
There are two major types of life insurance-term and whole life.
Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life.
In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life.
Term Insurance is the simplest form of life insurance.
It pays only if death occurs during the term of the policy, which is usually from one to 30 years.
There are two major types of life insurance-term and whole life.
Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life.
In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life.
Term Insurance is the simplest form of life insurance.
It pays only if death occurs during the term of the policy, which is usually from one to 30 years.
Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness.
Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand.
Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand.
Dental Insurance is equally important to Health Insurance because dental disease is still very prevalent.
Dental care is a very important part of any healthy lifestyle, but because dental insurance or dental coverage is not included as part of standard health care insurance, it is something that is often overlooked or forgotten until it is too late.
The rising cost of quality dental care means that dental insurance might be just what you and/or your family need to ensure that your teeth remain health and well cared for.
Dental care is a very important part of any healthy lifestyle, but because dental insurance or dental coverage is not included as part of standard health care insurance, it is something that is often overlooked or forgotten until it is too late.
The rising cost of quality dental care means that dental insurance might be just what you and/or your family need to ensure that your teeth remain health and well cared for.
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed).
These six actions are called Activities of Daily Living-sometimes referred to as ADLs.
In general, if you can't do two or more of these activities, or if you have a cognitive impairment, you are said to need "long-term care."
Long-term care isn't a very helpful name for this type of situation because, for one thing, it might not last for a long time.
These six actions are called Activities of Daily Living-sometimes referred to as ADLs.
In general, if you can't do two or more of these activities, or if you have a cognitive impairment, you are said to need "long-term care."
Long-term care isn't a very helpful name for this type of situation because, for one thing, it might not last for a long time.
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