Health Insurance

We educate our customers about the type of health insurance they are seeking.
We offer the broadest selection of individual and family health insurance.
We provide expert customer service through knowledgeable health insurance representatives.
We offer instant over the phone health insurance quotes.
You need health insurance – here’s why!

Whatever your situation is, whether you are switching jobs, your employer is no longer offering individual or family health insurance, you graduated college and are no longer eligible under your parents insurance, or you haven’t had health insurance in years, this information is for you.

1. It will save you money. The truth is medical costs are astronomical. By paying an affordable monthly premium you would save yourself thousands, possibly tens of thousands, of dollars should you ever need health insurance

2. Peace of mind. Even if you have a healthy family or are a healthy individual, accidents do happen. Wouldn’t you feel better knowing you and your family are covered should you ever need to be?

3. Discounts. Having affordable family health insurance can also offer you discounts, especially with covering those ever increasing prescription costs.

4. Avoid preexisting conditions exclusions. Continue treatment of those chronic conditions that could become known as preexisting conditions should you lapse without health insurance for too long (in many cases as little as 63 days). If you are between jobs and are waiting for that next job to offer you health insurance, be aware that any condition you had before may not be covered. However, you can safeguard yourself against this by continuing to have health insurance during that time. According to HIPPA (the Health Insurance Portability and Accountability Act), a health insurance plan must cover preexisting conditions of individuals if the individual was covered for twelve consecutive months ending no more than 63 days before.

5. It’s affordable and fits your needs. Now is time to get individual health insurance. It is often less expensive than group health insurance and can be designed to fit your personal needs. There are many a la carte plans as well as Health Savings Accounts (HSAs) that can give you all of the coverage you need with tax benefits as well.

Do yourself a favor and don’t wait until you have a health problem to get health insurance. It is very possible that your request could be denied or coverage could exclude the very problem you were looking to cover. Health insurance is easily accessible and available to you right now. Make the choice that will offer you peace of mind and keep your money in your hands. Contact us today for a free quote.

Why get small business or group health insurance at Allied and Associated Health Services Inc, and A&A Financial Services Inc. !

We educate our customers about the type of health insurance they are seeking.
We offer the broadest selection of small business and group health insurance.

We provide expert customer service through knowledgeable representatives in the health insurance industry.
We offer instant online health insurance quotes.
Reasons to Offer Your Employees Group Health Insurance

Do you own a small business? Are you wondering if you really need to offer health insurance to your employees? Are you thinking that many small businesses do not offer any health insurance and the government doesn’t require it so it is a good way to save on cost? If you answered yes to any of these questions, you are not alone. However, it is beneficial to both you and your employees to have small business health insurance. Here’s why:

1. You want to make your employees happy. You value the people that work for you each day and want to offer them affordable health insurance as a reward. There are many affordable group and small business health insurance plans available.

2. You want to hire and keep the best employees. The fact that a company offers health insurance may be a make it or break it factor when a new employee is choosing between possible jobs or a current employee is deciding whether to stay at a job or look for a new one.

3. Increased productivity and decrease in absenteeism. Employees that know they will be covered if anything should happen to them are more likely to attend work everyday and work to their potential. This may occur because preventative care measures are being taken by employees who have health insurance, thus avoiding potentially more serious health problems.

4. Tax deductions. Did you know that 100% of insurance premiums are a business tax deduction?

5. Pre-tax premium contributions. When employees access group health insurance through an employer, their share of the premium is taken out of their paycheck before taxes are taken out. This is more beneficial to an individual than paying with after-tax money, which is what they do if they have to purchase individual health insurance on their own.

6. Cheaper group rates. In New York, group rate health insurance is much less expensive than individual health insurance. These differences in rates may also be similar for other states making group and small business health insurance more affordable.

7. HSAs. Health Savings Accounts offer a flexible way for business owners to offer health insurance while keeping their costs at a minimum.

Take another look at your company and your employees. Decide what your specific needs are and find a plan that fits those needs. Insurance companies offer plans for small businesses as small as 2 individuals and as large as 50 persons. Whatever your reason is for looking into health insurance for your company, get your small business or group health insurance quote today.

If you have questions about group health insurance or small business health insurance plans, Allied and Associated Health Services today for a free quote.