HEALTHCARE

At American Benefits Planning, Inc. we get to know your business first. Our experts listen carefully to all your concerns, then analyze the available programs and offerings that best fit your business, employees, and budget. Once we've reviewed the pros and cons of your best options with you, the decision is yours. We're confident you won't find a better solution from any other broker, and you'll never hear a high-pressure sales pitch from us.

The following are types of health plans we can make available to you.

• Preferred Provider Organization (PPO)
• Health Maintenance Organization (HMO)
• Point of Service (POS)
• Health Savings Accounts (HSA)
• Health Reimbursement Accounts (HRA)
• Health Incentive Accounts
• Consumer Driven Health Plans

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DENTAL

Did you know dental insurance is the second most popular group coverage next to medical insurance? We can recommend a dental plan that will help your employees maintain good dental health. We offer group prepaid and voluntary packages that will fit your employee needs.

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LIFE & ACCIDENTAL DEATH & DISMEMBERMENT

We all recognize the importance of life insurance.  After all, we want to make sure that our loved ones are taken care of when we die.  This makes life insurance one of the most important benefits you can offer your employees.  Oftentimes it is offered along with Accidental Death and Dismemberment (AD&D) insurance, which is a rider on a basic life or health insurance policy.  Such coverage has become so popular that employees perceive it to be an essential part of their benefits package and offering it helps employers stay competitive.  Coverage amounts vary greatly.  We can help you pick the best plan to put your employees' minds at ease while staying within your budget.

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DISABILITY

Disability insurance provides your employees with an income so they can support themselves, their families and pay their bills while recovering from an accident or illness that keeps them from returning to work for more than a few days. 

There are two basic types of disability insurance: 

Short-term, which typically lasts up to 6 months and pays up to 60% of the previous salary and
Long-term, which usually picks up where short-term disability policies leave off.  It can provide some form of income protection for several years or until retirement.

A wide variety of such policies are available in the market place. They can totally be tailored to your group’s needs and budget and can even be adjusted to reflect different classes (such as seniority, job type, etc.) within your company.  We can help make sense of it all and then come up with plans that reflect your company’s unique needs. 

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VISION

Vision insurance provides coverage for services rendered by eye care professionals such as ophthalmologists and optometrists.  The typical vision insurance plan provides yearly coverage for eye examinations and some form of coverage for eyeglasses and contact lenses, etc.  Like dental coverage such plans can be stand alone or add-ons to your basic health insurance plans.  Healthy eyes and vision help prevent accidents on and off the job – think about it!

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FLEX ACCOUNTS

Meant to help employees with health care and dependent care costs that are not covered by insurance, companies may choose between three major types of flex accounts:  Flexible Spending Accounts (FSA), Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA).  If your company does not offer one of those plans yet, consider setting one up and if you do have one already be sure to re-evaluate it periodically to assure it is properly funded. 

Most of these plans offer significant tax savings for both employer and employee, but oftentimes especially small businesses shy away from them because they don’t fully understand all the details and don’t have the time to check into them.  That’s where we come in.  We continuously stay educated on the latest product developments and changes in the law and stand ready to efficiently evaluate your needs and wishes and then provide you with the advantages and shortcomings of each type of account as they apply to your company.  Then, once you’ve decided what type of account to go with, we’ll assist you throughout the set-up process and remain by your side after it’s all done, so you can stay focused on what you do best: running your business.

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HEALTH CARE

Insurance providers offer a broad range of health plans at varying costs, levels of health coverage, and accessibility to health care.  The plan type you choose will determine how you select and access health care services.  In general, the wider your choice of doctors and hospitals, the higher your costs will be in terms of premiums and/or levels of health care coverage.  At American Benefits Planning, Inc. our experts will listen carefully to your needs and goals and then shop the market to present you with the best possible options in a clear and easy to understand way.  Once we've reviewed the pros and cons of your best options with you, the decision is yours. We're confident you won't find a better solution from anyone else.  There is never any obligation or pressure to buy.

The following are types of health plans we can make available to you.

• Preferred Provider Organization (PPO)
• Health Maintenance Organization (HMO)
• Point of Service (POS)
• Health Savings Accounts (HSA)
• Consumer Driven Health Plans

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SHORT TERM HEALTH (STOP GAP)

Life happens and you can find yourself temporarily without proper health insurance.  Whether you got laid off, changed careers and are waiting to become eligible under a new plan, or have recently graduated and not yet found a job, we can show affordable short term solutions to keep you covered for 1 to 6 months.  Under certain circumstances extensions may be available.

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DENTAL

Good dental health is important and has direct impact on your overall health and general well being.  More and more research links major health issues to poor dental health.  Individual dental plans come in all shapes and sizes and are fairly inexpensive.  Together with health insurance they provide you and your family with another tool in your arsenal to help prevent or deal with major health issues in the future.  We can help you find the best plan or plan combination to keep you smiling for a long time.

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LIFE & ACCIDENTAL DEATH & DISMEMBERMENT

We all recognize the importance of life insurance.  After all, we want to make sure that our loved ones are taken care of when we die or we simply want to have life insurance as a nest egg.  Sometimes the perception is that obtaining life insurance is hard, particularly if you are not young and super healthy.  That’s where an independent agency can make a real difference.  We have market experience and know the products.  After assessing your individual situation we can show you the options that best address your needs and future plans while keeping your budget in mind.  We can also discuss with you the viability of Accidental Death and Dismemberment (AD&D) insurance, which can be added as a rider on a basic life or health insurance policy.  By the way, we are also great at holding your hand through the forms process….

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DISABILITY

Many people think they will be covered by “the system” should they become too ill or injured to return to work for more than a few days.  They think of Workers’ Comp and Social Security as their safety net.  The sad truth is that the qualifying process for disability claims through Workers’ Comp or Social Security is stringent and time consuming and not always successful.  To help cover your day to day expenses and mortgage and rent payments you should have a “Plan B” in the form of individual disability insurance.  There are two basic types of disability insurance: 

Short-term, which typically lasts up to 6 months and pays between 60 and 80% of your previous salary and

Long-term, which usually picks up where short-term disability policies leave off.  It can provide some form of income protection for several years or until retirement.

A wide variety of such policies are available in the market place. They can totally be tailored to your needs and budget and can even be adjusted from year to year to reflect changes in your lifestyle and/or income.  Let us help you make sense of it all before you choose those plans that will provide you with the most peace of mind.

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VISION

Vision insurance provides coverage for services rendered by eye care professionals such as ophthalmologists and optometrists.  The typical vision insurance plan provides yearly coverage for eye examinations and some form of coverage for eyeglasses and contact lenses, etc.  Like dental coverage such plans can be stand alone or add-ons to your basic health insurance plans.  Healthy eyes and vision help prevent accidents on and off the job – think about it

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LONG TERM CARE

More Americans live longer lives than ever before in our history.  While that’s essentially a good thing, it does come with a price:  the longer people live the higher the likelihood that they will need nursing home care or home health care.  The financial burden for such care can be staggering.  That’s where a good long-term care insurance plan can provide considerable peace of mind.  As usual, there are a wide variety of plans available and we are here to help you figure it all out.  Ask us if your plan can be tax deductable.

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MEDICARE

Medicare is a government sponsored program to provide affordable healthcare to people 65 or older or people under age 65 with certain disabilities.  You will have heard of Part A, B, C and D.  Parts A & B are hospital and medical coverages that are provided directly by the Medicare program.  Parts C (hospital and medical coverage) and Part D (prescription drug coverage) are provided by private insurance companies specifically approved to provide this type of coverage.  And then there is Medigap, which is a supplemental private coverage you can get to fill in gaps in the coverage provided by Parts A & B. 

Confused yet?  We are here to help guide you through the maze of what’s available and most beneficial to you.  Our resident expert for Medicare and Medigap products knows all the ins and outs along with a few shortcuts and once you’ve talked with him, you’ll know you are in great hands and will confidently pick the most advantageous plan for this stage in your life.

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