Shane & Associates is an independent consulting firm charged with serving the needs of businesses and individuals in the quest to implement stellar healthcare plans and facilitate the thoughtful prudent design and implementation of effective and tangible goal-oriented retirement planning. With a combined practice history exceeding seventy-five years, the principals and consultants at Shane & Associates take a team approach to addressing the particular challenges and goals of its' business and individual client partners.
In one form or another, the dizzying world of healthcare reform is with us all to stay. One of our strategic responsibilities is to take the mystique and complexity out of the discipline and create a deliverable that is understandable and affordable for the business principals, and their employees as well as the individuals with whom we consult. Contact us for a different experience in addressing your healthcare and retirement plan implementation.
We make finding affordable insurance easy.
In one form or another, the dizzying world of healthcare reform is with us all to stay. One of our strategic responsibilities is to take the mystique and complexity out of the discipline and create a deliverable that is understandable and affordable for the business principals, and their employees as well as the individuals with whom we consult. Contact us for a different experience in addressing your healthcare and retirement plan implementation.
We make finding affordable insurance easy.
Services
Shane & Associates specializes in the thorough and precise practice of assuring businesses and individuals that they are insured at optimum conditions relative to coverage and pricing for their specific needs and priorities.
In this day and age, benefits and retirement planning consulting are substantially aided by numerous dynamic tools and resources that assist us in not only providing unique web-centric employee access portals but also permit us, for example, to leverage the benefits of fundamentally sound wellness programs in reducing premium hikes below "trend"---the staggering annual increases that carriers like to visit upon their insureds each year at open enrollment.
In this day and age, benefits and retirement planning consulting are substantially aided by numerous dynamic tools and resources that assist us in not only providing unique web-centric employee access portals but also permit us, for example, to leverage the benefits of fundamentally sound wellness programs in reducing premium hikes below "trend"---the staggering annual increases that carriers like to visit upon their insureds each year at open enrollment.
We make finding affordable insurance easy.
We shop the market for the a provider who will both fit your needs and meet government requirements.
Disclaimer Please note that we cannot bind insurance via email, fax, or phone.
Any quotes given are subject to underwriting guidelines by the respective insurance carriers.
Any reference of coverage used are not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages.
Please read your policy for specific details of coverages.
We shop the market for the a provider who will both fit your needs and meet government requirements.
Disclaimer Please note that we cannot bind insurance via email, fax, or phone.
Any quotes given are subject to underwriting guidelines by the respective insurance carriers.
Any reference of coverage used are not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages.
Please read your policy for specific details of coverages.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath 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 heath 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 many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Term insurance is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
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