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Small Business Insurance
Services Inc. is a Brokerage firm
that has no particular allegiance to any one insurance company. Our agents
are also multi state licensed. This being the case,
we can shop all major carriers for you so you always get
the BEST plan at the LOWEST price. Each plan can be customized to fit
your specific needs and budget. As the video below shows, there are multiple
ways for consumers to purchase Health Insurance. However, the best
way is to use an experienced Broker. Most especially since it costs
NOTHING extra do so. This being the case, why not tap in to our
expertise?
You can
call us toll free @
(866) 724 7123
for a free no obligation Health Insurance telephone
consultation from one of our multi-state licensed Brokers. Or, you can drop
us an email with your name, date of birth & home zip code to
smallbusinssvcs@aol.com
and we will instantly email you the top 3 quotes. Or you can click on the
quote button above and generate your own quotes and apply online when you
are ready. Once you decide on a plan you
like, you can apply for coverage by clicking the "apply now" links on the
detail page of each of the products listed. Each company provides products
that can be custom fit for you. To help you decide on the best plan for you
please review the
Ten Questions You Should Ask Your Agent before you purchase a
health insurance policy.
With health insurance in particular it is more
important to know what your plan does not cover than what it does!
If you have been labeled"uninsurable"from an individual health insurance
company please click
here for legitimate
health insurance alternatives. Please
contact us for more information or for help in deciding which plan is best for
you, your company or your family. For specific details about the top 5
carriers that we recommend. Please review the information below.
Golden Rule Insurance Company
(www.uhc.com)
is the underwriter and administrator of these plans. Golden Rule merged with
United Healthcare in 2003, and they have been providing individuals and
families with health insurance solutions for over 60 years. United Health
care now serves more than 70 customers. Their experience and knowledge is
reflected in high quality products, timely handling, and outstanding
customer service. To find out more about their new series of individual
major medical health insurance plans click the blue United Health Care
hyperlink above.
The Community
Flex plans are available through American Community Mutual Insurance
Company
www.american-community.com
American Community Mutual provides high and low deductible health
plans with unlimited $30 outpatient doctor office visit co pays.
Outpatient doctor office visits are covered on a first dollar basis
with no deductible to be paid first. Unlike any other individual
health insurance product on the market today, the Community Flex
plans include a $1,000 annual Preventative Care
benefit per insured. This Preventative Care benefit covers
Immunizations, Routine Physical Exams, PSA testing, Routine
Mammograms and Routine Pap Smears.
These charges would also be covered on a first dollar basis with no
deductible to be paid first. HPV Immunizations,
Bone Density Tests, Colorectal Cancer Screening & Lab work sent to an
independent lab are also fully covered expenses, but not on a "first
dollar" basis. An outpatient co pay prescription card
with NO deductibleis also included with the Community
Flex. For more about the Community Flex plans click the blue
Community Flex link above.
Express Med
Plans are
underwritten by
World Insurance Company
founded in 1903 &
rated A-(Excellent) by A.M. Best as of
January 13, 2009.
World Insurance
Company,
American Republic Insurance Companyand
Homesteaders Life Insurance Company
are subsidiaries of
American Enterprise Mutual Holding
Company (AEMHC).
With
more than $1.07 Billion in assets,
AEMHC
serves more than one million customers through its operating
companies, which include the three aforementioned A- (Excellent) A.M.
Best-rated insurance carriers, third-party administrators,
managing general underwriters and marketing organizations.
World Insurance Company
has been providing
life, health and stop- loss insurance solutions for over 105 years.
The acronym "H.S.A"
is being tossed around quite a bit nowadays especially since the tax
advantages of owning an HSA and a corresponding qualified HDHP (High
Deductible Health Plan) have been significantly increased under the Bush
administration. HSA stands for Health Savings Account. Health Savings
Accounts are a unique way to attractively manage your health insurance
costs. They were originally named MSA's or Medical Savings Accounts
designed by Senator Bill Archer (R) of Texas. Click the blue link H.S.A.
link above for more details about HSA qualified HDHP's.
Humana
is a publicly traded insurance company listed on the New York Stock
exchange under the ticker symbol HUM. Humana's individual insurance
products offer financially-minded consumers peace of mind, greater
savings, and customer care. The product portfolio offers a range of
plans, options, and deductible levels. In addition, they make it
easy for individuals to choose and use their benefits. Four
different plans are offered depending on the State you live in. The
most popular are the Portrait, Autograph & Monogram individual
health insurance plans. Click the Humana One Individual Major
Medical Health Plans link above.
Aetna
is a publicly traded insurance company listed on the New York stock
exchange under the ticker symbol AET. Aetna is one of the nation's
leaders in health care, dental, pharmacy, group life, and disability
insurance, and employee benefits. Dedicated to helping people
achieve health and financial security, Aetna puts information and
helpful resources to work for its members to help them make
better-informed decisions about their health care. As of September
30, 2008 Aetna has over 17 million medical members. Aetna also
offers PPO memberships with some of the largest PPO networks in the
country with over 874,000 health care professionals. 506,000 primary
care doctors and specialists, and 4,987 hospitals participating.
The
Medalist 2 plans are available through American Community Mutual
Insurance Company
www.american-community.com
American Community Mutual provides high and low deductible health plans
with $30, $40 & $50 outpatient doctor office visit co pay options. The
outpatient co pays are covered on a first dollar basis with no
deductible to be paid first. Unlike any other individual health
insurance product on the market today, the Medalist 2 plans include a
$1,000 annual Preventative Care
benefit per insured. This Preventative Care benefit covers
Immunizations, Routine Physical Exams, PSA testing, Routine Mammograms,
Pap Smears and Colorectal Cancer screenings. These charges would also be
covered on a first dollar basis with no deductible to be paid first. An
outpatient co pay prescription card with NO deductibleis
also included with the "Medalist 2 Gold Plan 1". You will pay only 20%
of the Generic prescription cost and 30% of the formulary brand name
prescription cost. For more about the Medalist 2 plans click the blue
Medalist 2 link above. Please Note: The Medalist 2 Products will no
longer be available for sale in most States after December 28th, 2008.
These plans have been replaced by the "Community Flex" plans. The States
of Arizona, Indiana & Texas may still purchase the Medalist 2 Plans
after January 1st, 2009. Arizona and Texas residents can purchase either
the "Medalist 2" or the "Community Flex" plans.
The
"Complete" comprehensive PPO Health Insuranceplan is underwritten by Guarantee Trust Life Insurance
Company, Glenview, Illinois licensed in 49 states and founded in
1936. The Complete plan provides $1,500 to $7,500 calendar year
deductibles to choose from. The plan also offers unlimited
"first dollar"
outpatient doctor office sick visit co pays. With this option
selected, each office visit will cost only the $40 co pay with no
deductible required. 80/20, and 50/50 co-insurance plans are available.
An outpatient co pay prescription drug card is also available which
includes $15 co pays for outpatient Generic medications (no deductible
required) and $30 co pays for formulary Brand name medications after a
$500 calendar year deductible is satisfied. Routine Exams (including
coverage for Lab tests - blood/urine) associated with the exam are also
covered after 365 days of policy ownership on a "first dollar"
basis up to $100 per examination. In addition, Mammograms, PAP tests and
Colorectal cancer screenings are also covered from day one with no
deductible required if the "Enhanced Routine Preventative Care" benefit
is selected. 4th Quarter Deductible Carry over is also included with the
plan as well as an Accident Medical Expense (A.M.E.) plan that will
cover the first $1,000 of each accidental injury on a
"first dollar" basis. Or you can upgrade the A.M.E. benefit to
$5,000 of "first dollar" coverage per accident.
Assurant Health Plans
www.assuranthealth.com
(formerly Fortis Health)
www.fortis.com provide
high and low deductible plan with $35 unlimited &
limited outpatient doctor office visit co pays without first paying the
calendar year deductible. 100%, 80/20 and 50/50 co-insurance plans are
available. R/X card are optional with a $15 co pay for generic
medications with no yearly deductible and $25 co pay for brand name
medications after a once a year $500 deductible has been satisfied. Well
care is included immediately with a $750 per person allowance yearly.
$500 well care benefit on the Core Med plan after 12 months of
continuous coverage. Click the blue Assurant Health Link above for more
info. about the Assurant Health Major Medical plans underwritten by Time
Insurance.
Complete Care & Personal Health plans are administered by I.A.C.
Insurers Administrative Corporation, Inc. Complete Care Personal Health
Plans provide high and low deductible plans with $35 unlimited
doctor co pays without first paying the hospital deductible. With 80/20
and 70/30 co-insurance plans available, discount drug cards are included
at no additional cost. Co pay R/X cards are optional with a $15
co pay for generic prescriptions drugs with no yearly deductible first,
and $30 co pays for brand name, with a separate $250 yearly deductible
paid first. A $250 well care benefit per insured is included
immediately including yearly mammograms; you pay only your co pay.
Standard Security Life also offers the "High Deductible Health Plan".
This plan is one of the most competitively priced H.S.A. qualified
H.D.H.P.'s on the market today which includes a "first dollar" mammograms & $250 of "first dollar" Preventative Care
benefits.
Today 1 American in 4 carries a
Blue Cross and Blue Shield
membership card. In fact, over 4 million residents across Illinois
Carry the Caring Card® because they trust
Blue Cross and Blue Shield
of Illinois to give them more health care value for their premium
dollar. Blue Cross and Blue Shield
of Illinois (www.bcbsil.com)
has been serving the health insurance needs of Illinois residents since
1937. Blue Cross and Blue Shield of
Illinois offers 217 Traditional P.P.O.
Small Group Health Insurance Plans to choose from and 28
H.S.A. Qualified
High Deductible Small Group Health Insurance plans. Click the blue Blue
Cross hyperlink above for more details about these Small Group P.P.O.
Plans.
Group Advantage Small Group Health Insurancepolicies are provided by insured by the Independence Holding Group (www.ihcgroup.com)
an insurance organization comprised of Independence Holding Company
(NYSE: IHC) and its operating subsidiaries and affiliates. With more
than $1.3 billion in assets, the IHC Group
serves more than one million customers through its operating
companies which include three A- (Excellent) A.M. Best rated insurance
carriers, third-party administrators, managing general underwriters and
marketing organizations. The IHC Group has
been providing life, health and stop-loss insurance solutions for over
25 years. Group Advantage Small Group Health Insurancepolicies
are Administered by Insurers Administrative Corporation (www.iacusa.com)
a member of the IHC Group. IAC is a leading administration and marketing
organization in the fully insured, partially self-funded and
international markets. Established in 1978, IAC specializes in small group major medical (2-50
lives), individual and family
major medical, short-term
medical, dental and other insurance products. Standard Security Life
Insurance Company of New York is the insurer for health, dental, life,
accidental death and dismemberment benefits described in the
Group Advantage Small Group Health Insurancebrochure below.
Standard Security Life Insurance Company of New York, a member of the
IHC Group, is rated A-(Excellent) by A.M. Best Company, a widely
recognized rating agency that rates insurance companies on their
relative financial strength and ability to meet their obligations to
their insured's. Standard Security Life Insurance Company of New York (www.sslicny.com)
was founded in 1958, and is domiciled in the State of New York, and
headquartered in New York City. It is licensed in all 50 states, the
District of Columbia, the Virgin Islands, and Puerto Rico.
UniCare
www.unicare.com
is an innovative company with innovative ideas about health care. They
have a revolutionary vision of putting individuals in control of their
health care through the creation of quality, affordable, and flexible
health plans. Since 1995 they have partnered with Wellpoint Health
Networks Inc. NYSE:WLP (www.wellpoint.com),
one of the nation's largest publicly traded managed care companies
serving the health care needs of more than 13 million members and
approximately 42.6 million specialty members. UniCare provides unique
lower cost alternatives to the small business group administrator. If
you are looking for a health plan for your employees, click here to see
if UniCare has "The Cure for Healthcare®." for your small group. Click
the blue Unicare link above for more details.
Please
Contact Us today
for a free no obligation quote customized for your personal or small
business needs.
