High Deductable Plan

Who might benefit most from a High Deductable Plan?

  • Lower premiums
  • With high deductible plans, you’re keeping more of your money and taking responsibility for covering minor or
    routine health care expenses — if they come up. Some high deductible plans allow you to have a 0 deductible
    with doctors visits and prescription drugs.
  • The higher the deductible, the lower your premiums.

HSA Plan

Who might benefit most from a HSA Plan?

  • Anyone interested in more control over how their health care dollars are spent.
  • Families interested in one annual deductible per family.
  • Those interested in trading low deductible health insurance for a higher deductible plan to save money on
    monthly premiums and taxes.
  • The money you save on premiums can be put into your tax-favored savings account (HSA). You can withdraw the
    money to help pay your deductible or other qualified health care expenses. Once your deductible is met, the
    insurance plan starts paying for covered expenses.
  • Your unspent savings roll over year after year.
    Lower premiums, tax-advantaged savings, and an attractive interest rate*

CoPay Plan

Who might benefit most from a CoPay Plan?

  • Anyone who prefers the convenience of copay benefits for routine health care expenses.
  • Families with young children who have regularly scheduled doctor office visits.
  • Adults who want copay benefits for preventive care and prescription drugs.

Health Maintenance Organizations (HMOs)

  • HMOs provide medical treatment on a prepaid basis, which means that HMO members pay a fixed monthly fee,
    regardless of how much medical care is needed in a given month. In return for this fee, most HMOs provide a
    wide variety of medical services, from office visits to hospitalization and surgery. With a few exceptions, HMO
    members must receive their medical treatment from physicians and facilities within the HMO network.

Preferred Provider Organizations (PPOs)

  • A PPO is made up of doctors and/or hospitals that provide medical service only to a specific group or association.
    Rather than prepaying for medical care, PPO members pay for services as they are rendered. The PPO sponsor
    (usually an employer or insurance company) generally reimburses the member for the cost of the treatment, less
    any co-payment. In some cases, the physician may submit the bill directly to the insurance company for
    payment. The insurer then pays the covered amount directly to the healthcare provider, and the member pays
    his or her co-payment amount. The price for each type of service is negotiated in advance by the healthcare
    providers and the PPO sponsor(s).


No one likes to think about it, but bad things sometimes happen to good people. Fortunately Health
Insurance is there to protect you and your family from financial difficulties.

Wondering about the odds?

  • Almost 41 million visits to the emergency room in the year 2000 were due to injuries.
    (Source: Injury Stats, 2002 edition, National Safety Council)
  • Almost 21 million disabling injuries occurred in the U.S. during 2001.(Source: Injury Stats,
    2002 edition, National Safety Council)
  • Accidents cost Americans more than $516 billion in 2001.(Source: Injury Stats, 2002 edition,
    National Safety Council)
  • In the home, there is a fatal injury every 16 minutes and a disabling injury every 4
    seconds.(Source: Injury Stats, 2002 edition, National Safety Council)
  • One in two men is at risk of developing some form of cancer. For women, the risk is one in
    three.(Source: Cancer Facts and Figures 2005, American Cancer Society)
  • Approximately 565,000 new heart attacks and 700,000 strokes will occur this year.(Source:
    Heart Disease and Stroke Statistics – 2005 Update, American Heart Association)
  • More than 8 million people are surviving cancer.(Source: 2003 Heart and Stroke Statistical
    Update, American Heart Association)
  • On average, an American suffers a stroke every 45 seconds.(Source: Heart Disease and
    Stroke Statistics – 2005 Update, American Heart Association)


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