Aetna rates click here

Multiple Carriers and Plan Designs including NY State of Health:

 

  •  Various pharmacy options
  •  DMO & Dual DMO/PPO dental coverage
  •  Vision coverage
  •  Bundled Term Life, AD&D, Disability Package
  • EverGuard ,EverGuard Plus
  •  A Defined Contribution per employee status
  • Single
  • Employee Spouse
  • Employee Child(ren)
  • Family

 
As an Employee, You are able to choose:

  •  Multiple Carriers and Plan Designs
  •  Various Doctors, Hospitals, Rx, Copays and Deductibles
  •  Types of Medical Coverage
  •  In-Network Plans
  •  In & Out - of - Network Plans
  •  Cost- Sharing Plans
  •  Health Savings Accounts (HSA’s)
  •  Dental Coverage
  •  Managed DentalGuard DMO
  •  DentalGuard Preferred PPO
  •  EverGuard – Bundled Term Life, AD&D, Disability Package


Dental
 
HealthPass offers four great dental options; Guardian Managed DentalGuard (DMO),Guardian Managed DentalGuard Plus, (DMO), Guardian DentalGuard Preferred (DMO/PPO, and Guardian DentalGuard Preferred Plus (DMO/PPO)). Managed DentalGuard provides you and your family with accessible, quality care. The DentalGuard network is comprised of carefully selected dentists dedicated to delivering personalized In-Network services, with an emphasis on preventive treatment.  DentalGuard Preferred combines the freedom of choice of In-Network or Out-of-Network care, although you will typically receive a higher level of benefits and save on out-of-pocket costs if you visit an In-Network dentist.
 
DentalGuard Managed (In-Network Only):
 
DentalGuard Preferred (In and Out of Network):
 
DentalGuard Preferred Plus (In and Out of Network):
 
DentalGuard Managed Plus (In-Network Only):
 
VisionGuard
 
Guardian VisionGuard provides access to the Davis Vision network. Exams and materials are covered and members can visit any doctor they wish using both In and Out-of-Network benefits. Members have access to to generous discounts including up to 25% off laser vision correction, discounts on glasses and cosmetic enhancements such as tints, special lenses and scratch-resistant coating.

VisionGuard
 
Bundled Life and Disability


 All insurance agency makes it easy for employers to offer EverGuard, EverGuard Plus and now the EverGuard Dual Option. Personal protection from Guardian offers Term Life, AD&D and Long Term Disability. The coverage is available on a guaranteed basis, no medical examination and no industry will be excluded. These complete benefit packages are offered with low monthly premiums based on ages.
 
EverGuard:
 $1,000 per month of Disability Income
 $25,00 of Term Life Insurance
 $75,000 of AD&D
 
EverGuard Plus:
 $1,500 per month Disability Income
 $50,000 of Term Life Insurance
 $100,000 of AD&D
 
COBRA
 
HealthPass offers complete COBRA/NY State Continuation Administration Services. The employer no longer needs to worry about COBRA notices, following timelines and trying to understand the ever changing laws. Click here for additional information
 
Section 125 POP Kit
 
A Section 125 POP Kit is one of the simplest benefits an employer can offer, but it delivers real savings to employees and their company.  By allowing employees to pay their portion of premium costs BEFORE taxes, employees typically save 25% or more.  The employer benefits from nearly 8% in FICA savings.  Click here to get your Premium Only Plan today.
 
Health Advocate
 
All employees enrolled in medical coverage have access to this advocacy and assistance company. Registered nurses can help guide members through questions regarding claims, healthcare bills, authorizations, finding doctors and hospitals as well as scheduling specialists.  Click here for additional information.
 
Medical Cost Advocate
 
All members have access to Medical Cost Advocate. These experts negotiate medical charges directly with healthcare providers (hospitals, physicians, labs etc.) to reduce employees medical expenses. Click here for additional information


 Discounts and Wellness Programs
 Every member of HealthPass is afforded a suite of discount and wellness programs from their selected carrier. Program services may included discounts for: local gyms, diet centers, LASIK surgery and other vision benefits.


 Type of Medical Coverages

Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many Americans face such costs. However, people who are not currently covered by their employers have few affordable sources for group coverage. If you are not covered at work, inquire about coverage through your religious affiliation, professional organizations, or alumni association.

Individuals seeking medical coverage on their own can explore purchasing an individual health insurance policy. And those aged 65 and older may qualify for Medicare coverage.

There are three general classifications of medical insurance plans: fee-for-service (indemnity), managed care (e.g., HMOs and PPOs), and high-deductible health plan (HDHP). Older persons may be eligible for Medicare coverage.

Fee for Service

With a basic fee-for-service (indemnity) insurance plan, doctors and hospitals are paid a fee for each service provided to insured patients.

Indemnity plans normally cover hospitalization, outpatient care, and physician services in or out of the hospital. You select the service provider (physician) for consultation or treatment. You are then billed for the service and reimbursed by the insurance company, or you can “assign” direct payment to the provider from the insurance company. Indemnity plans typically require the payment of premiums, deductibles, and coinsurance. Limits on certain coverage or exclusions may apply. Because many policies have lifetime limits on benefits that the insurance company will pay, you should look for a policy with a lifetime limit of at least $1 million.

Managed Care

Managed-care plans became popular in the 1990s as a way to help rein in rising medical costs. In managed-care plans, insurance companies contract with a network of doctors and hospitals to provide cost-effective health care. Managed-care plans include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans.

Health maintenance organization. An HMO operates as a prepaid health-care plan. You normally pay a monthly premium in addition to a small copayment for a visit to a physician, who may be on staff or contracted by the HMO. Copayments for visits to specialists may be higher. The insurance company typically covers the amount over the patient copayment amount.

Each covered member chooses or is assigned a primary-care physician from doctors in the plan. This person acts as a gatekeeper for his or her patients and, if deemed necessary, can refer patients to specialists who are on the HMO’s list of providers. Because HMOs contract with doctors and physicians, costs are typically lower than in indemnity plans.

Preferred provider organization. A PPO is a managed-care organization of physicians, hospitals, clinics, and other health-care providers who contract with an insurance company to provide health care at reduced rates to individuals insured in the plan. The insurance company uses actuarial tables to determine “reasonable and customary” fees for each type of service, and health-care providers accept the PPO’s fee schedule and guidelines.

The insured can see any doctor or hospital within a preferred network of providers and pays a copayment for each visit. Insured individuals have to meet an annual deductible before the insurance company will start covering health-care services. Typically, the insurance company will pay a high percentage (often 80%) of the costs to the plan’s health-care providers after the deductible has been met, and patients pay the balance.

Although insured individuals can choose physicians or providers outside the plan without permission, patient out-of-pocket costs will be higher; for example, the initial deductible for each visit is higher and the percentage of covered costs by the insurance company will be lower. Because PPOs provide more patient flexibility than HMOs, they may cost a little more.

Point-of-service plan. A POS health-care plan mixes aspects of an HMO and a PPO to allow greater patient autonomy. POS plans also use a network of preferred providers whom patients must turn to first and from whom patients receive referrals to other providers if deemed necessary. POS plans recommend that patients choose a personal physician from inside the network. The personal physician can refer patients to other physicians and specialists who are inside or outside the network. Insurance companies have a national network of approved providers, so insured individuals can receive services throughout the United States. Copays tend to be lower for a POS plan than for a PPO plan.

High-Deductible Health Plan

An HDHP provides comprehensive coverage for high-cost medical bills and is usually combined with a health-reimbursement arrangement that enables participants to build savings to pay for future medical expenses. HDHP plans generally cover preventive care in full with a small (or no) deductible or copayment. However, these plans have higher annual deductibles and out-of-pocket limits than other insurance plans.

Participants enrolled in an HDHP can open a health savings account (HSA) to save money that can be used for current and future medical expenses. There are annual limits on how much can be invested in an HSA. The funds can be invested as you choose, and any interest and earnings accumulate tax deferred. HSA funds can be withdrawn free of income tax and penalties provided the money is spent on qualified health-care expenses for the participant and his or her spouse and dependent children.

Remember that the cost and availability of an individual health insurance policy can depend on factors such as age, health (pre-existing conditions), and the type of insurance purchased. In addition, a physical examination may be required.

Medicare

Medicare is the U.S. government’s health-care insurance program for the elderly. It is available to eligible people aged 65 and older as well as certain disabled persons. Part A provides basic coverage for hospital care as well as limited skilled nursing care, home health care, and hospice care. Part B covers physicians’ services, inpatient and outpatient medical services, and diagnostic tests. Part D prescription drug coverage is also available.

Medicare Advantage is a type of privately run insurance plan that includes Medicare-approved HMOs, PPOs, fee-for-service plans, and special needs plans. Some plans offer prescription drug coverage. To join a Medicare Advantage plan, you must have Medicare Part A and Part B and you have to pay the monthly Medicare Part B premium to Medicare, as well as the Medicare Advantage premium.

Medicare Supplement Insurance, or Medigap, is sold by private insurance companies and is designed to cover the deductibles and copayments that Medicare doesn’t cover. At one point, there were more than 200 different policies available. Then the National Association of Insurance Commissioners stepped in and created 10 standard packages of coverage, designated by the letters A through J. Since June 2010, plans E, H, I, and J have not been sold, although you are able to keep your plan if you already had one of these plans before June 2010. There are also two new policies (plans M and N) that offer different benefits and premiums. Plans D and G bought on or after June 1, 2010, have different benefits than D and G plans bought before June 1, 2010 (although the benefits won't change for those who participated in these plans prior to June 1). Only Medigap insurers are able to offer these plans. Although each standardized plan is identical from insurer to insurer, prices may differ and all these plans may not be available in every state.

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For quotes please contact us.516-692-1300