Life & Health Insurance

Group Health Insurance is offered by employers to employees to attract and retain their workforce. Group Benefit plans combine health insurance alongside dental, disability, life, vision and voluntary benefits.

Depending on the size of the employer, some group plans will offer different levels of benefits recognizing that one size does not fit all. Optional ways of funding can be included such as setting up an HSA or HRA to balance the overall cost of a plan. Hospital and Provider networks are included to help manage costs and minimize the employees out of pocket exposure.

Medicare Supplement Insurance, also known as Medigap, is sold by private insurance companies and helps to fill “gaps” in Medicare coverage. It helps pay for most medical supplies and services that is not paid for by Medicare including copayments, coinsurance and deductibles.

Medicare Advantage Plans provide complete coverage with an insurance company that permits members to select a network of providers. Most of these programs offer prescription drug coverage, dental, vision and hearing options.

As you approach your retirement date or age 65, understanding the Medicare process and your options is extremely important.

Individual Dental and Vision plans are now readily available from many of the top national carriers. You can select a traditional insurance plan or a simple discount program. Plans available include everything from Dental checkups and Routine Vision exams to full comprehensive and expanded benefit schedules.