Health Insurance 

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. 

 

Dental Insurance 

Establish new dental coverage or enhance existing benefits easily and affordably. You can choose from a wide variety of plans, features and services that cover all dental needs from simple checkups to root canals and braces.  

 

Health Savings Accounts 

A Health Savings Account (HSA) is a tax-advantaged account established exclusively for the purpose of paying medical expenses for someone who is covered under a high deductible health plan.  By switching to a high-deductible health care plan, you can save 20 to 40% in premium expenses. Contributions to your HSA are pre-tax.  Interest and investment gains on your HSA are tax exempt.  Qualified medical expense withdrawals from your HSA are tax free. 

 

To establish an HSA, a High Deductible Health Plan (HDHP) must be purchased.  A HDHP is a low premium, high deductible health insurance plan.  HDHPs don’t generally pay for the first several thousand dollars of health care expenses.  Once you have met the deductible, HDHPs function like a traditional health care plan.  Funds in your HSA are used to pay the deductible of a HDHP before taxes.