Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
At Insurance Services Group, we strive to offer the best Health Insurance options possible—from individual and group plans to specialized packages that may include dental and vision coverage.
When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.
While finding the right Health Insurance is not always an easy choice, Insurance Services Group’s representatives are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.
Group Health Insurance
Benefits That Keep Your Employees Happy.
As an employer in today’s business world, Insurance Services Group knows how important it is to provide Health Insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.
At Insurance Services Group, we’re proud to offer a variety of Group Health Insurance plans for small to mid-sized businesses—for quality assurance and additional benefits. Our Health Insurance specialists will work with you one-on-one to develop a Group plan that’s not only affordable, but complements your business’s needs.
Which Plan is Right for Your Business?
Group Health Insurance plans typically include either Indemnity Plans, such as Fee-for-Service (FFS), or Managed Care Plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).
The major difference between Indemnity and Managed Care Plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.
Since Group Health Insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Insurance Services Group who can help you find a solution that’s ideal and feasible for you and your employees.
Dental Coverage
Benefits That Can Make You Smile.
With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.
Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, Insurance Services Group has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.
Our Dental Coverage options include:
- Traditional Indemnity
- Dental Health Maintenance Organization (DHMO)
- Preferred Provider Organization (PPO)
While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative at Insurance Services Group. We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.
Contact Insurance Services Group today to receive Dental benefits that keep you, your family, and those around you happy.
Vision Coverage
Additional Benefits Matter.
If you’re like many Americans, you require either glasses or contact lenses to get you through the day. And whether you’re an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.
At Insurance Services Group, we can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at Insurance Services Group today to find out how Vision Coverage can benefit you, your family, and your employees.
Supplemental Insurance
Additional Insurance to Cover the Gaps.
At Insurance Services Group, we’re committed to offering a total array of insurance services that meet your every need. That’s why we offer additional insurance coverage to keep you protected in areas that your current Health Insurance policy does not cover—for peace of mind assurance that keeps your finances secure.
Supplemental Insurance works to cover any gaps in your Health Insurance plan. This can include any out-of-pocket medical expenses, such as deductibles and co-payments that you cannot afford. It can also provide cash benefits to assist you in certain situations such as, high living expenses, loss of income due to an illness or injury, and money to pay for medication.
Types of Supplemental Insurance
There are many types of Supplemental Insurance, which is why it’s important to talk with an Insurance Services Group insurance representative to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.
Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.
Maternity Supplemental Insurance helps to cover any medical expenses up to the delivery of the baby. This can include deductibles, co-payments, and more – so you’re not stuck with unexpected expenses on top of your existing bills.
Since Supplemental Insurance is an addition to your Health Insurance policy, it’s important to note that it does not act as a traditional Health Insurance policy.
Avoid gaps in your current Health plan with Supplemental Insurance from Insurance Services Group
Medical Expense Insurance
Keep Your Medical Service Needs Covered.
In the event that you or any of your loved ones get injured or become ill, you’ll need a policy that prevents you from paying high out-of-pocket expenses for medical services. With the right coverage, you can achieve peace of mind knowing that you’re appropriately protected.
At Insurance Services Group, we can offer Medical Expense Insurance to prevent you from feeling the burden of high-priced medical costs. We know that after a hospital visit or a procedure, the last thing you’ll want to experience is paying bills that you cannot afford.
Types of Medical Expense Insurance
There are typically two types of policies: Basic Medical and Major Medical Expense.
Basic Medical Expense policies offer coverage for standard hospital, surgical, and physician expenses. It works to insure certain types of hospital visits/stays, surgery for specific types of procedures, and common physician fees.
Major Medical Expense policies are for covering expenses that take over when the limits of a basic insurance plan have been exhausted. This typically involves more catastrophic situations over basic injury or illness.
To find out more, please contact Insurance Services Group today. One of our helpful Health Insurance specialists will work with you to create a Medical Expense policy that fits the needs of you and your family.
Child Health Insurance
Insurance Solutions for Those in Need.
Depending on your location and situation, there may be several options for keeping your children insured so they can receive the care they need, when they need it most for physician visits, dental and vision services, prescription coverage, and more. Options like Medicaid for low-income children and adults, or a State Children’s Health Insurance Program may be the right solution.
Talk to a specialist at Insurance Services Group to learn more today.
Prescription Insurance
Extra Discounts for Your Medication.
Insurance Services Group understands the importance of your daily medication. And with today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket—especially if you depend on taking various medications for multiple symptoms.
With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can:
- Reduce the cost of your medications
- Decrease your co-pay expenses
- Cover any specialized medications
- Make your out-of-pocket expenses feasible
Since there are many coverage types and Prescription Insurance plans available, it’s important to discuss your options with a specialist at Insurance Services Group to see if your current Health plan requires extra coverage for your individual needs.
Contact Insurance Services Group today to find out how additional Prescription Insurance can save you money.
Health Savings Account
It’s All About Options.
Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, Insurance Services Group can help you find a Health Insurance solution that meets the needs of everyone.
Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money to into a savings account that they can use overtime for medical expenses that are not covered under their high-deducible plan. With a standard HSA, you can do the following.
- Put money into your HSA (tax free)
- Watch your money grow (tax free)
- Take out money if needed for qualified medical expenses, including dental and vision (also tax free)
Advantages of HSAs
With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.
Although there are limits to the amount of money in which you can deposit into your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.
Contact a specialist at Insurance Services Group today to learn more about how an HSA can benefit you.
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