Products
Medical Insurance
The most sought after of all Employee benefits is medical insurance. Offering a quality yet reasonably priced health plan will help attract and retain key employees. Choosing a plan can be a confusing task. Although there is not a ‘best’ plan, some are better than others. Contact Harpaz & Co. to help you choose a plan that meets your needs from the most reputable carriers in the area.
Dental Insurance
Dental plans typically fall into two categories: Indemnity (fee-for-service) and managed care. The basic differences include choice of dental networks, re-imbursement rates and procedures and monthly premium. Many dental plans will cover cleanings, X-Rays, cavities and sealants as well as major services like crowns and bridges. Contact us to discuss the various options available to meet your goals and budget in a simple, easy to understand format.
Group Disability and Life Insuranace
Surprisingly inexpensive, Disability and Life insurance will enhance any benefits package and attract skilled employees. Disability benefit amounts are usually between 50%-70% of pre-injury earnings and also offer assistance to help employees return to the job. Group Life insurance rates are available with typically no medical underwriting for benefits up to $50,000 and sometimes higher.
Individual Long Term Care and Disability
Due to an aging population and longer life spans Long Term Care and Disability insurance may be necessary for anyone whose assets are greater than $50,000 and wont qualify for Medicaid. Medicare and health insurance only cover a few months of certain types of care and LTC is becoming necessary and popular as the costs of home care and elderly nursing facilities continues to increase.
Medicare Supplemental Insurance
Medicare Supplemental Insurance Can Be Complicated... We're Here to Help- While we cannot provide pricing on this page, you can get price quotes by calling us.
Find Affordable Medicare Supplemental Plans from Top Providers in Florida
You must be Medicare-eligible (in general, over age 64.5 years old) and covered under Original Medicare. Medigap policies don’t work with any other type of health insurance, including Medicare Advantage Plans, employer/union group coverage, Veterans Administration (VA) benefits, or TRICARE.
Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Call us to discuss your options.
Help protect yourself from the expenses. Medicare may not pay, and:
- Choose your own health care providers
- No referrals needed
- Competitive rates – from various TOP rated carriers, service and benefits
- Put you, the customer first
- Know you're dealing with a stable and secure company
Medicare Advantage (Part C)
What is a Medicare Advantage Plan (Part C)?
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).
Medicare Advantage adds coverage similar to traditional health insurance.
Medicare Advantage is a form of Medicare coverage that is more like a traditional medical plan that you are used to, because it allows you to work with a private insurance carrier.
In choosing what type of plan is best for you or your loved ones, it’s important to be well informed. Contact us for a NO obligation discussion on the options available to you.
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