LOWER GROUP HEALTH COSTS On top of the high cost for medical care, and cost shifting required by the government, are state mandated costs which add about 22% to group premiums. Add state taxes and insurance reserves and you'll know why employers are using ERISA, a federal law to protect themselves from some of the high costs of health care.
As Third Party Administrators for over 25 years we improve the benefits and reduce or eliminate the limitations put on your plans by any insurance carrier. These improved benefits are paid from the premiums otherwise paid to insurers. We analyze and replace over priced options with CashBack options. CashBack guarantees you will receive the cash accumulations either in benefits or refunds. Over a three year period the cash accumulated can run into thousands of dollars even for one family. The CashBack options protect your employees and cut costs significantly. Your employees can have lower out of pocket costs and your costs can be cut significantly.
AFFORDABLE GUARANTEED ISSUE HEALTH CARE We will search for the lowest premium for the plan you select. At not cost or obligation we will obtain quotes on any health product or insurer and gove you additional competitive quotes. We will work with you to design you plan your way! All plans are available with or without CashBack options.
Without health care, sick people put off doctor visits and necessary medications until the condition worsens. This can lead to serious long-term expenses and loss of quality of life.
There are solutions to the high cost of health care. Some solutions require no or nominal employer contributions and some permit qualified employees to cover their children at no cost.
TAX ADVANTAGES Since benefits can be provided without taxation, benefit plans allow employers to give what would cost a dollar for fifty or sixty cents.
You can also install a Section 125 plan at no cost to you or your people. Employee paycheck contributions would be supplemented with taxes. The tax savings then lower you and your employees costs 35% or more.
Health Plans Dental Plus Division of Employers Association, Inc 1412 North Crain Highway, Suite 7B Chatham Executive Park Glen Burnie, Maryland 21061 410-760-4600 FAX 410-760-0677 Email: info@HPDP.com