Medical Benefits

With all of the changes today in healthcare it can be easy to get confused. Let us help you with options for individual medical, group medical and employee benefits.
Basic Info:

Medical (Group & Individual): :

Insurance coverage ranging from broad coverage policies to provide payment for doctor visits, emergency care, pharmacy to “major medical” policies that are subject to higher deductibles for a lower premium.


A type of health insurance designed to pay a portion of the costs associated with dental care and may include basic cleanings, fillings, periodontics, endodontics and oral surgery.

Group Disability Income:

Health insurance that provides periodic payments to replace income lost when the insured is unable to work as a result of sickness or injury.

Group Life:

Life insurance covering a group of people, usually employees of a company, members of a union or association.

Flexible Spending Account (FSA):

A tax-advantaged financial accounts that can be set up through an employer. An FSA allows an employee to set aside a portion of earnings to pay for qualified medical expenses, most commonly for medical expenses but often for dependent care or other expenses.

Health Reimbursement Account (HRA):

Program that allows an employer to set aside funds to reimburse medical expenses paid by participating employees.

Health Savings Account (HSA):

A tax-advantaged savings account available to those who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax. HSAs are owned by the individual, which differentiates them from company-owned Health Reimbursement Arrangements (HRA).

Just the basics and we’ll contact you!