Medical benefits, or health insurance, are among the most valuable of employee benefits options, providing significant support for and protection against potentially big financial expenses.

Health Insurance

Rates continue to sky rocket where health insurance payments are more like a nice car payment or even house payment, for some.  

In order to keep insurance premiums more affordable, insurance companies have been coming out with new plans and going back to basics with higher co-payments, co-insurance and deductibles.  Basically, people keep paying more for fewer benefits.  There is also growing interest in Health Savings Accounts (HSA's) but the savings is not significant, at this time and we only recommend them if you are young, healthy and very disciplined in saving. 

For Individual insurance, you must be able to qualify.  That's one reason why Group Insurance is so desirable.  With Group, the insurer must take you no matter what health condition you might have.  Employers are also required to contribute to the premium of Group Insurance plans.  Unfortunately, with the way prices are increasing, it is wonderful for the employee but getting harder and harder on the employer.  Therefore, employers are paying less and buying plans with higher co-pays and deductibles and paying less of a percentage in order to continue the plans. Health insurance Reform is rolling out and chainging benefits.  Let's disuss.

We are licensed with almost all the major companies and would like to give you free quotes, whether individual or group.  Please call 954 749-3936 or go to www.melwolfinsurance.com and get quotes, benefits and you can even apply online!  We like to talk to you to make sure we go over the information with you but try our easy-to-navigate site and click around.