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Insuraty
provides group health coverage from the best health providers
in the area. The plans range in coverage type: HMO, Indemnity,
Point of Service (POS), PPO, and Traditional. There are many plans and
many options. As we consider the needs of both your company and employees,
we can guide you in choosing the right group plan to
offer for health, dental,
disability, long term
care and cancer insurance.
Health
We offer plans with reputable preventive, hospitalization and emergency
care programs. While these are widely considered the most important aspects
of health insurance, we’ve found that there is a growing interest
in plans that are sensitive to disease management, vision, alternative
therapies, and minimal paperwork. What aspects are of most concern to
your employees? We help you find out.
Dental
Virtually all employees want dental coverage. Comprehensive and flexible
plans are available which include features such as:
• Voluntary employee
paid plans
• (Indemnity plans) Freedom to choose any Dentist
• Preventive, Basic and Major Dental Service coverage
• Orthodontia coverage
• Pre-designed, pre-priced (discount) plans
These are just a few of the
options available. We can help you determine which options best suit your
needs.
Disability
We have seen employees benefit from disability insurance that they never
thought they’d need. It’s something to consider. We highly
recommend either Short-term or Long-term disability protection
for you and your family. This provides income security in the event of
disability from an accident or sickness.
Long-Term
Care
The statistics place the odds in favor of protecting your future with
Long-Term Care insurance. It is projected that six out of every ten Americans
who reach age 65 may need long-term care at some point in their lives.
(Conning & Company, Long-Term Care Insurance – Baby
Boom or Bust? 1999, page 15) We can assist employees in selecting
policies that offer coverage in the home, assisted living facility, nursing
home or adult day-care. Buying coverage now may save money in premiums
over the long run.
Cancer
Insurance
Cancer strikes one out of three Americans, and two out of three families.
(Source: American Cancer Society, Cancer Facts
and Figures, 1999) Employer health insurance plans on average
cover only the direct medical costs- about 35% of the total cost. Your
employees who may feel that they’re potentially at risk should know
that with Cancer Insurance they can supplement their health insurance
policy for direct medical and indirect non-medical costs of cancer treatment.
Health
Insurance | Life Insurance | Retirement
Plans | Flexible Spending Accounts
Voluntary Benefits
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