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You can’t always prepare for the unexpected but having the right Health and Life Insurance coverage in place goes a long way for your piece of mind.

After all, your health and your family’s well-being are very important
to you.

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Group Health Insurance


Small group health insurance is designed for small businesses with 2-50 employees.

We know how important it is for small business owners to get the best coverage at competitive rates. To offer the best plan for your small group needs, we shop many different insurance carriers.

There are a few items that everyone needs
to consider as they are choosing a health insurance plan.

The premiums vary by deductible, coinsurance, copays and max out of pocket features of the plan.

These items are the basic that you will need to look at as you are shopping for insurance are (it does require you to review your particular plans summary of benefits in detail to know the plans coverage) :

  • Deductible
  • Coinsurance
  • Coinsurance Out of
    Pocket Max
  • Copays
  • Prescription Coverage
  • Medical and Prescription
    Max Out of Pocket
  • Lifetime Maximum

Deductible is the amount of out of pocket that you will be exposed to if you have an accident or illness. This is the first set of medical expenses that you are faced with and responsible for paying. These costs are paid by you are the Network Pricing that the insurance company negotiated with the provider or the allowable amount.

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