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NAGC Health Insurance Plans »
Customized solutions for you and your employees.
Health insurance is about people and we can help you, your family, or your employees Employee Benefit Solutions
The primary advantage of Group Health insurance is Guarantee Issue coverage for all your full time employees. This is an important tool when a business needs to provide health insurance to employees with medical problems. As mandated in most states, a group of 3 extremely healthy employees would only pay a maximum of 40% less than a group of 3 employees with tens of thousands of dollars in ongoing medical expenses. Of course, being able to insure employees regardless of medical status comes at the cost of higher premiums for all business. Generally, a business with 10 or fewer healthy employees can save 40% or more while providing the same benefits as a Group Health plan. Professional Advice Our licensed health insurance specialists are committed to helping you find the right employee health plan solutions. Savings beyond 40% are common. At JLBG Health we deal with health insurance plans exclusively, and when you purchase through us, you'll get more than just a health insurance plan, you'll get a health insurance partner. We don't stop when policies are issued. After you buy, we'll help with all your health insurance needs and serve as your advocate with the insurance company. We also shop for competitive quotes for you when it's time to renew. Do you need help now? Call us at 888.715.6590 and speak with a licensed health insurance professional immediately! Quality Individual & Family Health Insurance Plans affordable by design Health Insurance is a vital component to any sound financial plan and is needed by everyone. Without proper coverage, you leave yourself open to financial risk and possibly financial ruin. Unexpected medical expenses are the largest reason people file bankruptcy. Although most employers offer group coverage, not all employers offer medical benefits. Those that do usually offer only 1 plan, which may not meet the needs of you or your family. In addition, more and more employers are reducing thier contributions towards premium costs, sometimes requiring employees to pay the entire premium for spouse and dependent coverage. Why purchase Individual Health Insurance? Financial Protection Unexpected medical expenses are the single largest reason people file bankruptcy. Everyone should have health insurance. Without coverage you face financial risk and possibly financial ruin. Premium Savings Individual health insurance policies are typically less expensive than participating in a group plan offered by your employer, especially if you are responsible for your spouse and dependent premiums. Flexibility Individual health insurance plans offer the greatest flexabilty. You purchase the benefits that you and your family need, nothing else. Employer sponsored group plans may require you to pay premiums for benefits such as Maternity, that your family might not need or ever use. Portable Coverage Unlike employer sponsored group health insurance that terminates when you change jobs, you and your family can keep your individual or family policy for as long as you choose to pay the premium. Tax Advantages Self-employed individuals are allowed to deduct 100% of the premium for health insurance. In addition, HSA's offer excellent premium savings and tax benefits, and may not be offered by an employer sponsored group plan. Benefit Partner Contact: NAGC Health Plans (888) 715-6590 |
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