Consulting / Sales / Service
                            Tom Campbell, Broker

                                       PRODUCTS & STRATEGIES

 

·       GROUP INSURANCE

If your traditional plan has had double digit increases lately, inquire about Consumer Driven Health Plans. Often offering first dollar coverage before a deductible kicks in; CDHP’s involve employees in making financially responsible health care decisions.


·  
     INDIVIDUAL HEALTH INSURANCE

Usually individual coverage costs much less than group coverage. An employee in a group plan might find individual health insurance is preferable for dependent coverage. Owning your own health insurance policy gives you flexibility not available in a group plan.


·      
HEALTH SAVINGS ACCOUNTS

A tax advantaged way to provide lower cost health coverage available on a group or individual basis. The Health Savings Account allows you to pay your deductible and many health care expenses not normally covered by health insurance with tax-free dollars.


·      
TEMPORARY HEALTH INSURANCE

Immediate next day coverage is available for individuals and families who have lost their group insurance or find themselves with out insurance coverage. Recent graduates and new employees serving their waiting period need this coverage. It also is a low cost alternative to high cost COBRA coverage.


·      
MEDICARE PLANS

Medicare C & D can be very confusing. There are many alternatives for those eligible for Medicare. Compare your Medicare Supplement plan to a Medicare Advantage Plan. These new plans are a low cost alternative to the “Gaps” in Medicare coverage.


·      
DISABILITY INSURANCE

Owners and officers who have opted out of Workers Compensation Insurance should look into the more comprehensive, and in many instances lower cost, coverage of individually owned disability insurance. Employees worried about the loss of income due to sickness and off the job injury should investigate this type of plan.

·       Also offering Dental, Long Term Care, and low cost Term and Permanent Life Insurance.          

Health Insurance Services
57 Windsor on the Marsh
Savannah, Georgia 31419
912/660-8364
tc8364@yahoo.com
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