Some Of The Carriers We Represent:

Blue Cross Blue Shield

John Deere

Cigna

Humana

Prudential

Unum

Other:

HIPAA

Cariten

United HealthCare

Principal

Guardian

MetLife

Spectera

COBRA

What Are Health Savings Accounts (HSAs)?

HSAs are essentially "bank accounts" that enable employees to pay for qualified medical expenses with pre-tax and/or tax-deductible dollars.  Employees may use the funds to subsidize the expenses associated with a high-deductible health plan, or save the money for the future. The result is wiser utilization of services, fewer claims - and lower health plan costs in the future.

High-Deductible Health Plans

High-deductible health plans provide comprehensive group coverage after certain deductibles, coinsurance and other out-of-pocket expenses have been met.  With HSAs:

• Covered services (except preventive) are subject to deductible and coinsurance, including prescription drugs.
• Most preventive services, like wellness exams and immunizations, are paid at 100 percent after a co-pay.
• One deductible and out-of-pocket maximum apply to family coverage. The entire family deductible must be met before any benefits are paid.
• New deductibles are applied at the beginning of each calendar year (carryovers from prior year do not apply).
• In accordance with federal law, these plans comply with minimum annual deductibles and maximum out-of-pocket expenses.