Frequently Asked Questions

Yes.  This is a very important question.  With the price of the Marketplace and Employer plans constantly rising and plan deductibles increasing, many people are finding it not only more affordable, but better for their overall financial picture to lock in low deductible and out of pocket maximums with private options.  This also works great for self-employed and small business owners that don't qualify for a group plan discount or don't have the time to constantly have to deal with re-enrollments year after year.

Absolutely! We provide a thorough consultation for every client based upon their individual needs and qualifications. We have access to every government option and can assist in the enrollment process as well. 

PPO (Preferred Provider Option) is usually the most widely accepted form of insurance, with a vast array of doctors and hospitals nationwide, without a need for referrals. An HMO (Health Maintenance Option) is typically zip code specific and very rarely offers coverage outside of your immediate resident area. HMO's will also typically require a referral from your primary care physician if a specialist doctor is needed. Depending on a clients specific needs, both can be viable options. 

We assist all business owners, even those  between 1-50 employees. We have access to plans that typically save business owners anywhere from 30-40% off typical group plan rates. We also work with your payroll department for employee deductions.

Yes. Any health care costs provided by the business owner is eligible for a tax deduction. Our recommendation is to always consult with your accountant or tax preparer to see if you qualify for the HRA 105. 

The deductible is the amount of money the client is responsible for before any health insurance payments are made. Most deductibles are at a level way higher than the average annual health cost. Thereby, leaving the client paying for the majority of their healthcare needs. Out of pocket maximums is the most you'll ever be financially responsible for should a major occurrence happen. Most preferred plans will have a $0, or very low deductible, thereby minimizing your out of pocket exposure.