Selecting health insurance can be overwhelming, difficult and stressful. We make health insurance easy and understandable for our clients. Whether it's individual or group health insurance, Medicare supplements, or life insurance, we are here to help. We do this by listening, educating, caring, guiding, and being right here for our clients each and every day.
We listen to what you are looking for in your health insurance plan. Whether your insurance needs are personal or for your business, as insurance professionals, we listen and identify the best fit for each of our clients. Simply put - we listen and make it easy to select the health insurance plan that is right for you. We educate you on the varieties of health insurance plans available.
Most importantly, we would like our clients to make well-informed decisions. While some may receive the most value from high-deductible major medical insurance with a tax-deferred health savings account, others may require the coverage offered by a more traditional insurance plan.
We listen to what you are looking for in your health insurance plan. Whether your insurance needs are personal or for your business, as insurance professionals, we listen and identify the best fit for each of our clients. Simply put - we listen and make it easy to select the health insurance plan that is right for you. We educate you on the varieties of health insurance plans available.
Most importantly, we would like our clients to make well-informed decisions. While some may receive the most value from high-deductible major medical insurance with a tax-deferred health savings account, others may require the coverage offered by a more traditional insurance plan.
Services
This section of the website will provide important concisely-presented information you need to know about health insurance, including our plan recommendations.
This section provides one location where you can apply for a Blue Shield health plan that offers the best value for your needs and budget.
This section outlines what you need to do to maximize the benefits of your health plan as well as avoid claims and billing problems.
If you read and understand the concisely-presented information in the LEARN section, and follow our recommendations, you will always have the plan that offers the best value for your needs and budget.
This section provides one location where you can apply for a Blue Shield health plan that offers the best value for your needs and budget.
This section outlines what you need to do to maximize the benefits of your health plan as well as avoid claims and billing problems.
If you read and understand the concisely-presented information in the LEARN section, and follow our recommendations, you will always have the plan that offers the best value for your needs and budget.
Our goal is to make health insurance easy and understandable for employers and your employees.
Step 1: Learn about health insurance.
This section presents health insurance in a concise, easy-to-understand format.
You will gain an understanding of healthcare reform and the Affordable Care Act (ACA), and learn about "21st Century Benefits" - the most cost effective way to offer employee benefits.
Employers are seeking health plans that maximize benefits to employees while keeping within a budget.
Step 1: Learn about health insurance.
This section presents health insurance in a concise, easy-to-understand format.
You will gain an understanding of healthcare reform and the Affordable Care Act (ACA), and learn about "21st Century Benefits" - the most cost effective way to offer employee benefits.
Employers are seeking health plans that maximize benefits to employees while keeping within a budget.
Enroll in an affordable HSA-Compatible High Deductible Health Plan (Bronze) to protect against large unexpected medical bills.
Put these premium savings into a Health Savings Account (HSA) to pay for routine, expected medical bills and prescription costs and to save for future deductibles.
Expenses not covered by Medicare: deductibles, co-insurance, physicals, dental and vision.
You can use your health savings account to pay qualified medical expenses including doctor visits, labs and x-rays, hospital expenses, surgeons, dental, vision, prescriptions, over-the-counter medications and alternative care.
Put these premium savings into a Health Savings Account (HSA) to pay for routine, expected medical bills and prescription costs and to save for future deductibles.
Expenses not covered by Medicare: deductibles, co-insurance, physicals, dental and vision.
You can use your health savings account to pay qualified medical expenses including doctor visits, labs and x-rays, hospital expenses, surgeons, dental, vision, prescriptions, over-the-counter medications and alternative care.
We recommend the following providers for Health Savings Accounts.
Some people prefer local banks while others may like an online bank.
Local banks offer a current interest rate on the HSA accounts and often there are no set up or account fees.
Online banks have small monthly account fees, and also offer investment options for long term savers.
The choice is yours.
Some people prefer local banks while others may like an online bank.
Local banks offer a current interest rate on the HSA accounts and often there are no set up or account fees.
Online banks have small monthly account fees, and also offer investment options for long term savers.
The choice is yours.
There are strict guidelines as to the limit you may deposit into your health savings account.
Each year these numbers adjust for inflation.
The logic is that people over age 55 have much less time to make deposits than someone who is 35 years old.
The rules specify that once you go on Medicare (age 65), you can no longer make deposits into your health savings account.
However, you can keep your HSA as long as you like, and use your HSA card to pay health care expenses over the rest of your life.
Each year these numbers adjust for inflation.
The logic is that people over age 55 have much less time to make deposits than someone who is 35 years old.
The rules specify that once you go on Medicare (age 65), you can no longer make deposits into your health savings account.
However, you can keep your HSA as long as you like, and use your HSA card to pay health care expenses over the rest of your life.
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