INDIVIDUAL AND FAMILY HEALTH AND LIFE INSURANCE

Affordable Care The health insurance reform laws require most people, including children, to have health coverage or penalty paid.

If you do not have the coverage, the employer allows us to help. You do not need to go to a health insurance exchange to get the coverage you need. We have a health insurance plan for individuals and families who meet the requirements of an inexpensive care act or  "Oamacare".

We also offer other programs to protect your health and finance, such as dental insurance, life insurance and long term care insurance.

Personal/Family Health insurance Ind A health family 106575558 smallWe can help most people find a medical insurance plan that suits their budget, from the map is worth the Khrongkwang with a highly deductible plan designed primarily to protect your family from the cost of serious illness. These plans are based on the requirements of the health care law at an affordable price, so you won't have to pay a penalty.

You can also buy additional insurance plans to pay some costs. Your health insurance plan will not cover. Hospital & Cancer Insurance These additional insurance plans will pay the benefits you can use, however, you choose whether you are treated in a hospital or experiencing an extensive illness.

You can read more here about different types of medical insurance Plans: PPOs, HMOs And POS, as well as a highly deductible plan, a medical insurance plan with full coverage is three main types:

The Preferred Provider organization (PPO) plan: PPOs is the most common type of health plan today. A PPO contract with a physician's network; The plan is usually returned a higher fee for a physician in the network. Members can use a non-network service provider, but they have higher copayments. Plans often have a feature to avoid unnecessary health costs, for example, to be pre-approved for the auditing process or the reference of a primary care physician for an expert visit. Most plans also offer health benefits or disease management designed to keep your employees healthy and control the costs of your claims.

Health Maintenance Plans (HMO): There must be members to use the doctor in the HMO network, normally Hmo will not pay anything for keeping out the network unless in case of an emergency Hmo give your employees less flexibility in the carrier options, but often less costly and involve lower payments than any other plan.

Service Point Plan (POS): The POS plan combines the features of HMOs and PPOs, most POS plans require members to select a primary physician from within the POS network, but allow them to use a specialist outside the network that is based on the primary care doctor. Co-payments are higher for out-of-network services.

Health Savings Account (HSAS) If you need protection from a disaster illness but you want to pay less in the insurance premium you can take advantage of a high deductible health plan linked to a health savings account. These plans offer a lower insurance premium than the full coverage plan. You can use savings to make money in a healthy savings account, which you can use for quality tax care costs.

Only individuals with a highly deductible health plan and no other health insurance can have HSA, you use account balances to pay for quality health expenses. Funds can be accumulated from year to year.

Some employers employee funds Employers engaged with HSA are not considered taxable income. The annual maximum participation you make is tax deductible. Withdrawals that require eligible medical expenses will not be taxable and interest in your funds is not taxable.