HEALTH

MEDICAL

Medical insurance provides payment of benefits for the medical expenses arising from illness or injury for employees and dependents. Many different kinds of health insurance coverage's are available. We represent all types of health care plans including Health Maintenance Organizations (HMO), Preferred Provider Networks (PPO), traditional indemnity plans and self-insured arrangements.

DENTAL

Dental insurance provides payment of benefits for dental expenses. Some plans reimburse the insured for expenses while others provide pre-paid dental care.

VISION

Vision plans are used by employers to provide employees and dependents coverage for eye exams and corrective lenses.

SHORT/LONG TERM DISABILITY/LONG TERM CARE

Replaces your income in the event of total or partial disability due to accident or illness. Long Term Care provides payment for personal services if you or someone in your family can no longer take care of themselves. Services are usually provided in your own home, an assisted living facility or in a nursing home.