Group Health

... health insurance specialists for a better health insurance value!

Is your business wasting money needlessly on group health
insurance premiums?

Here is an example of a common mistake most Massachusetts
businesses make.

Group Health Premiums out the window.....

Is your company with from two to 50 employees looking for a variety of health care benefits
at affordable prices? With skyrocketing group health rates and demanding employees who
expect a smorgasbord of benefits, providing coverage that is affordable to both you and your
employees isn't as easy as it once was. Health Plan Specialists can offer solutions that can
turn your group health plan into a win-win situation. Take a look below and see if you are making
the mistake all too many groups do by choosing the widely advertised plans ie Blue Cross or
HMO's when you could be either getting more coverage or comparable coverage for a lot less
cost with a carrier that is just as strong or stronger but doesn't do a lot of advertising and doesn't
pass the advertising costs on to you in the form of higher premiums.

Many Employers are doing this:

Sample group of nine employees using a Massachusetts HMO
with a $20 doctors visit co-pay and a $50 emergency Room co-pay.

Current Plan Charges Per Month:

$ 255 (single)
$255 (single)
$255 (single)
$255 (single)
$750 (employee & spouse)
$750 (employee & spouse)
$750 (family)
$750 (family)
$750 (family)

You Pay $4770 monthly; $57,240.00 Annually in Total!!!

You pay 70% ($3340). Your Employees pay 30% ($1430).

_________________________________________________________

When they could be doing this:

Sample group of nine employees:
(using John Alden Life Insurance Company with a $20 office visit co-pay and $50 emergency room co-pay)

Plan Charges Per Month:

$155 (single)
$155 (single)
$155 (single)
$155 (single)
$360 (employee & spouse)
$360 (employee & spouse)
$485 (family)
$485 (family)
$485 (family)

(Includes unlimited $20 Office visit co-pays & $50 Emergency Room co-pays; Rx card accepted
everywhere; no primary care doctors or referrals required and many more exciting benefits!)

Total Monthly Bill= $2795
That’s a $23,710.00 per year Total Savings!

You pay 70% ($1955).Your Employees pay 30%($840).

YOU SAVE $ 1385 per month or $16,620 annually!

YOUR EMPLOYEES SAVE $590 per month or $7080 per year. And......it can get
even BETTER!

At your option you can...

GIVE YOUR EMPLOYEES A RAISE! Simply have them contribute half as much. Instead of 70% 30% make it 85% 15%. Then you would still save $965 per month or
$11,580 each year and your employees would save $1010 per month or $12,120 annually. Your total savings would still be $23,710.00 per year!

It’s TRUE and its AVAILABLE NOW and BEST OF ALL, your employees get to
keep the benefits they like offered by Blue Cross, Harvard-Pilgrim and Tufts and
have even greater choices of doctors and hospitals and fewer restrictions for an
affordable premium!

_________________________________________________________________
_________________________________________________________________

Not knowing about all your group health insurance options is costing your company
lots of money! It is easy to do something about it....

For carrier information, plan benefits and options and rate information applicable to your group simply
get your census into us today by filling out the on-line quote form; or, e-mail your census or fax it.
Call us at 401-848-7708 for our fax number if you don't already have it and fax your census in to us
on this form .

What we need for each employee in the group is: employee sex and age; spouse sex and age; number of children. also the name of the current plan you have; premiums you are paying; description of the plan; employer/employee contribution percentages. (75% of all eligible employees must apply for coverage.) Once we have your census we'll soon be contacting you regarding, plan design options and savings suggestions.

We use only the highest quality carriers with most reliable customer service and claims paying track-records including Assurant, formerly Fortis and John Alden Life Insurance and Time Insurance, two of Assurant's national subsidiaries.

John Alden uses the Waltham, MA based Private Health Care Systems
for its PPO network which is among the largest PPO's in the country.
with over 380,000 providers and over 3600 hospitals.

What we need for each employee in the group is: employee sex and age; spouse sex and
age; number of children. also the name of the current plan you have; premiums you are paying;
description of the plan; employer/employee contribution percentages. (75% of all eligible
employees must apply for coverage.)

_______________________________________________________________
_______________________________________________________________

7 reasons to stop overpaying for benefits you don't need or use.

Health Care Costs are rising
Less than 6% of Americans need hospitalization
85% of all groups never recover claims equal to premiums paid
There is an average of just 2.9 office visits per person per year
There are only 67 inpatient admissions per 1000 insured persons per year 41% file no Rx claims
Only 11% have claims over $5000

____________________________________________________________________

For even greater employee satisfaction, a richer benefit package can include::

Dental

Disability Income

Life Insurance

Long-term Care

Section 125 Plans

Vision

Completely customizable group health plans for groups with up
to 50 employees to meet every group’s particular desires and
budget considerations

______________________________________________________
______________________________________________________

Free On-line Group Health Quote Form

            We will respond to your quote request within 24 hours and may also have
             the quotes for you by then although in some cases it can take longer however
             we will notify you as to time frames for quotes within 24 hours at minimum.