Health Insurance Coverage

As an individual, you are most likely responsible not only for yourself but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you will want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you cannot afford to take any chances. At Greater Pittsburgh Insurance Consultants, Inc., we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer or are either self-employed, unemployed or a student. Our various types of Individual and Family Health Insurance options include:

• FFS (Fee-for-Service)
• HMO (Health Maintenance Organization)
• PPO (Preferred Provider Organization)
• POS (Point-of-Service)
• HSA (Health Savings Account)

Since each insurance option differs in cost and benefits, it is important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.

FIND A HEALTH INSURANCE PLAN THAT’S RIGHT FOR YOU

Without an adequate Health Insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you will want to experience is paying for high medical costs from your own pocket.

If you are an individual looking for coverage either for yourself or your family, you can find the perfect Individual and Family Health Insurance plan from Greater Pittsburgh Insurance Consultants, Inc. Since Health Insurance options vary from state to state, our experienced, Health Insurance specialists are available to work with your needs on an individual basis in order to assist you in creating a plan that keeps you covered.

Do not risk your finances on expensive medical bills and services. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy.

As an employer in today’s business world, Greater Pittsburgh Insurance Consultants, Inc. knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At Greater Pittsburgh Insurance Consultants, Inc., we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable but complements your business’s needs.

Which Plan is Right for your Business?

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of-Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Greater Pittsburgh Insurance Consultants, Inc. who can help you find a solution that’s ideal and feasible for you and your employees.

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, Greater Pittsburgh Insurance Consultants, Inc. has a solution that’s right for you. From routine cleanings and checkups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Our Dental Coverage options include:

• Traditional Indemnity
• Dental Health Maintenance Organization (DHMO)
• Preferred Provider Organization (PPO)

While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative from Greater Pittsburgh Insurance Consultants, Inc. We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.

If you are like many Americans, you require either glasses or contact lenses to get you through the day. And whether you are an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.

At Greater Pittsburgh Insurance Consultants, Inc., we can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at Greater Pittsburgh Insurance Consultants, Inc. today to find out how Vision Coverage can benefit you, your family, and your employees.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Greater Pittsburgh Insurance Consultants, Inc., we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Greater Pittsburgh Insurance Consultants, Inc. can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

• Home Care
• Assisted Living
• Adult Daycare
• Hospice Care
• Nursing Homes
• Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Greater Pittsburgh Insurance Consultants, Inc. to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

At Greater Pittsburgh Insurance Consultants, Inc., we are committed to offering a total array of insurance services that meet your every need. That is why we offer additional insurance coverage to keep you protected in areas that your current Health Insurance policy does not cover – for peace of mind assurance that keeps your finances secure.

Supplemental Insurance works to cover any gaps in your Health Insurance plan. This can include any out-of-pocket medical expenses, such as deductibles and co-payments that you cannot afford. It can also provide cash benefits to assist you in certain situations such as high living expenses, loss of income due to an illness or injury, and money to pay for medication.

TYPES OF SUPPLEMENTAL INSURANCE

There are many types of Supplemental Insurance, which is why it is important to talk with an insurance representative from Greater Pittsburgh Insurance Consultants, Inc. to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.

Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.

Medicare Advantage Plans provide individuals eligible for Medicare with help paying the part A & B deductibles and co-insurance.  The plans can also include prescription drug coverage.

Avoid gaps in your current Health plan with Supplemental Insurance from Greater Pittsburgh Insurance Consultants, Inc.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Greater Pittsburgh Insurance Consultants, Inc., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income Insurance from Greater Pittsburgh Insurance Consultants, Inc., you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at Greater Pittsburgh Insurance Consultants, Inc. will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

In the event that you or any of your loved ones get injured or become ill, you will need a policy that prevents you from paying high out-of-pocket expenses for medical services. With the right coverage, you can achieve peace of mind knowing that you are appropriately protected.

At Greater Pittsburgh Insurance Consultants, Inc., we can offer Medical Expense Insurance to prevent you from feeling the burden of high-priced medical costs. We know that after a hospital visit or a procedure, the last thing you will want to experience is paying bills that you cannot afford.

TYPES OF MEDICAL EXPENSE INSURANCE

There are typically two types of policies: Basic Medical and Major Medical Expense.

Basic Medical Expense policies offer coverage for standard hospital, surgical, and physician expenses. It works to insure certain types of hospital visits/stays, surgery for specific types of procedures, and common physician fees.

Major Medical Expense policies are for covering expenses that take over when the limits of a basic insurance plan have been exhausted. This typically involves more catastrophic situations over basic injury or illness.

To find out more, please contact Greater Pittsburgh Insurance Consultants, Inc. today. One of our helpful Health Insurance specialists will work with you to create a Medical Expense policy that fits the needs of you and your family.

Unfortunately, not everyone can afford a Health Insurance policy. At Greater Pittsburgh Insurance Consultants, Inc., we believe that each person deserves some sort of coverage in the event of illness or injury.

Depending on your location and situation, there may be several options for keeping your children insured so they can receive the care they need when they need it most for physician visits, dental and vision services, prescription coverage, and more. Options like Medicaid for low-income children and adults or a State Children’s Health Insurance Program may be the right solution.

Traveling is a great way to either spend time with your loved ones or take some time off from your busy schedule and simply relax. At Greater Pittsburgh Insurance Consultants, Inc., we want to wish you safe travels on your next adventure and keep you safe with protection that matters.

An accident can happen at any time – even on vacation. And whether you are overseas or across the country, the best way to ensure that you’re protected at all times is with a Travel Health Insurance plan that’s right for you. The last thing you’ll want to experience is being sick or injured in an unfamiliar place.

Greater Pittsburgh Insurance Consultants, Inc. offers additional Travel Health Insurance policies that keep you covered in the event of travel-related accidents or conditions, such as:

• Car Accidents (whether you’re the driver, a passenger, or pedestrian)
• Accidental Injury or Disability
• Loss of Eyesight or Hearing
• Sickness
• Medical Evacuation
• Accidental Death

While there are other options available, including insurance for any lost items or delays, it’s important to discuss your travel needs for your next trip with an expert at Greater Pittsburgh Insurance Consultants, Inc. This type of coverage typically lasts throughout the duration of your trip outside of the country and generally expires upon your return.

Enjoy your next trip with the peace of mind assurance that you and your loved ones are protected with flexible and affordable Travel Health Insurance.

Greater Pittsburgh Insurance Consultants, Inc. understands the importance of your daily medication. And with today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket – especially if you depend on taking various medications for multiple symptoms.

With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can:

• Reduce the cost of your medications
• Decrease your co-pay expenses
• Cover any specialized medications
• Make your out-of-pocket expenses feasible

Since there are many coverage types and Prescription Insurance plans available, it’s important to discuss your options with a specialist from Greater Pittsburgh Insurance Consultants, Inc. to see if your current Health plan requires extra coverage for your individual needs.

Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, Greater Pittsburgh Insurance Consultants, Inc. can help you find a Health Insurance solution that meets the needs of everyone.

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money into a savings account that they can use over time for medical expenses that are not covered under their high-deductible plan. With a standard HSA, you can do the following.

1. Put money into your HSA (tax-free)
2. Watch your money grow (tax-free)
3. Take out money if needed for qualified medical expenses, including dental and vision (also tax-free)

ADVANTAGES OF HSAS

With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.

Although there are limits to the amount of money in which you can deposit to your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.