Health Insurance Options

In the complex health insurance business and acronym alphabet soup of PPO, HSA, HMO, HRA, FSAs, it is our job to know what options are available and how best to design a program for your needs. We put together solutions that deliver a more holistic solution, giving you tax-savings, rate stability, comprehensive coverage and access to all the providers and facilities that YOU need to be able to see.

Many families appreciate the benefits available on traditionally-styled Preferred Provider Organization (P.P.O.) plans. The plans offer copayments for items such as doctor visits and medications. Typically these plans are structured with a deductible first, then 80% coinsurance payable by the insurance company thereafter.

For those who maintain healthy lifestyles and visit the doctor’s office very infrequently, a Health Savings Account (H.S.A.) plan often makes sense. This tax-favored approach to medical insurance allows you to select a plan deductible and, typically, once that is met, the insurance company pays any additional bills thereafter. In exchange for giving up copayments for office visits and medications, the H.S.A. allows you to setup a custodial account to house monies you set aside for medical expenses. Any deposits into this account are deductible from your gross income come tax time. The contribution limits for 2008 are $2900 for single coverage and $5800 for families. 
 
Health Maintenance Organization (H.M.O.) plans have almost ceased to exist in today’s market, at least on the individual/family and small-business coverage side. H.M.O. coverage was too restrictive for both providers and consumers and drew high levels of dissatisfaction in this method of healthcare delivery.

Option 1 - HSA Plans - Low Premium, No Co-pays, 100% covered after Deductible, Tax Advantaged Acccount

The Best Option for Individuals/Families and Self-employed who are looking to Control their costs and manage their own medical care below their deductible. And the opportunity to save for medical expenses tax free now and in the future. Money unused at year end rolls over each year tax deferred and builds a medical nest egg tax free up to age 65. Perfect for those who are generally healthy and looking for the protection of Catastrophic coverage with 100% coinsurance - No out of pocket costs after deductible is met. A Health care IRA on Steroids!

Option 2 - Core Med - Traditional PPO Plan, includes Limited and unlimited Co-pays for Dr Visits and Prescription coverage .

The Best Option for Individuals and Families who want to be part of Network of Doctors and Health care providers who accept a small co-pay for medical services and Prescriptions. $35 copay for medical and $15 to $25. co-pays for Prescription coverage. Perfect for those who have young children and may utilize the doctor's office and medical more frequently usually makes sense if doctor visits exceed 10 to 15 visits per family per year. Premium is generally 20 to 30 % more than HSA Plan or limited co-pay plan. Coinsurance coverage is typically 80/20 after deductible is met.

Option 3- Right Start - Traditional PPO Plan, includes limited copays for Dr visits and Prescription coverage. This plan also includes caps on Outpatient coverage.

The Best Option for Individuals or Students who are looking for a low cost Health Insurance plan and are usually in good health and may only want limited copays to visit with no more than 2 times per year per person. Provides good inexpensive coverage for those looking more for catastrophic coverage for major events with the option of still having the ability to visit a doctor 2 times a year for Preventive or Routine exams. Coinsurance coverage is 75/25 or 50/50 once deductible is met.

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