The money you save on insurance premiums can more than pay for your routine health care expenses. And if the unexpected does happen you're protected from financial hardship - which is what health insurance is for.

Primary Benefits for having a High Deductible Health Plan:

   Whether you are a single person, a couple, one adult with children, or a family of any number, there is only ONE deductible that needs to be satisfied per year, per policy.

   After the deductible is met, the insurance plan pays 100%, for the rest of the year. This includes all doctor visits, all prescriptions, every qualified medical expense covered at 100% for the rest of the year. No co-insurance or co-pays, for the individual or family (depended on who is covered under the policy), for the rest of the year!

   Example: A family of four has a $3200 deductible. The husband has surgery (gallbladder removed), total cost is $12,000. First the family must pay the deductible of $3200. Then the "High Deductible Health Plan" pays the remainder of $8800. However, after that the entire family is 100% covered on all eligible medical expenses for the rest of the year.

   Now, as of January, 2004, you can add a Health Savings Account (HSA) to your existing High Deductible Health Plan (HDHP). An Health Savings Account works like an IRA, except that money is used to pay health care costs. The money deposited , as well as the earnings (interest accrued), is tax-deferred. The money can then be withdrawn to cover qualified medical expenses tax free. The unused balances roll over from year to year. And all of the HSA money spent on qualified medical expenses, is applied to your deductible. Contact us to see the additional benifits for a High Deductible Health Plan coupled with an HSA.