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Albertson, New York - Insurance Employee Benefits search results Premier Listings

GEICO
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Dr. Robert Friedman & Sons Stamp Company
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Helpful Employee Insurance Benefit Terms

When working for a major business or company, it is common to receive employee insurance coverage. Depending on the individual or family policy you have, you will receive different medical or health coverage benefits. Countless jobs provide workers with a plan to cover them and their spouse and children as well. However, the rate that applies to the employee insurance policy agreement can certainly vary. In order to learn more about medial and health coverage provided through employers, take a look at the list of terms and definitions found below.

  • HMO – A health insurance organization that allows you to pay a predetermined rate in order to get medical coverage for a variety of health care services. This type of plan usually applies to specific doctors and medical facilities in your area.
  • Insurance Premium – This is the sum or money you pay to an insurance company, or can also be a claim discharged. Depending on your job, the size of your family, and the policy you have through your provider, the monthly premium you pay will vary.
  • PPO – This refers to preferred provider organization. This organization commonly gives economic incentives to the policy owner or purchaser of a health plan. This way specific clinics, hospitals, and physicians offer discounted rates or fees.
  • Deductible – A specified amount or portion of money that is paid by an insurance policy owner. This amount must be paid before the insurance company will cover other charges.
  • Benefit Cap – This is the total dollar amount that a provider will reimburse or cover for health care services. This amount typically applies to a specific time span or one year.
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    State Farm Insurance
    45 S Middle Neck Rd, Great Neck, NY 11021
    Our local insurance agency offers the lowest rates in the area for all types of insurance. Our professional agents strive to provide you with great coverage while staying within your financial needs.
    (516) 466-3276
    Bauer-Crowley Inc
    643 Main St, Sparkill, NY 10976
    We deliver a wide variety of personal insurance, risk management, employee benefits and financial planning services to our clients. Our motto is “Personal Service driven by Technology.
    (845) 359-4114
    Colonial Voluntary Benefits
    490 Wheeler Rd. Suite 185, Hauppauge, NY 11788
    Learn more about how our voluntary benefits program can reduce your cost and help with the reimbursement of higher out of pocket expenses that come with the new plan designs due to the Affordable Care
    (1) Review Write a review
    (516) 960-6049
     
    User Review: "Very satisfied how ernie and his staff worked closely with my employees to communicate the changes in our health plan for..."
    Qtb Services Inc
    585 Stewart Ave Ste 530, Garden City, NY 11530
    (516) 794-1952
    Employee Care Resources LLC
    320 Trotting Ln, Westbury, NY 11590
    (516) 408-4654
    Professional Benefit Designs LTD
    50 Carnation Ave Bldg 1-2, Floral Park, NY 11001
    (516) 352-1814
    Legal Club of America
    50 Charles Lindbergh Blvd, Uniondale, NY 11553
    (516) 390-4729
    BenefitMall
    50 Charles Lindbergh Blvd, Uniondale, NY 11553
    (516) 227-0211
    Economic Evaluation Grp
    131 Jericho Tpke Ste 303, Jericho, NY 11753
    (516) 338-2800
    Ekman & Co
    50 Charles Lindbergh Blvd, Uniondale, NY 11553
    (516) 390-4728
    Silberstein Insurance Group
    85 E Marie St, Hicksville, NY 11801
    (516) 931-5100
    Members Employees Assistance Programs
    82 N Broadway, Hicksville, NY 11801
    (516) 935-6521
    J Peat Assocs
    337 Merrick Rd, Lynbrook, NY 11563
    (516) 599-2120
    A & A Benefit Consultants Inc
    1566 Fenimore St, Bellmore, NY 11710
    (516) 409-6381
    K L Agency LLC
    4 Chelsea Ct, Freeport, NY 11520
    (516) 208-8871


    Employee benefits insurance provides insurance coverage for workers. People who work for a company are usually given the option of health care insurance, as long as they work a certain amount of hours. Healthcare insurance protects people on and off the job when it comes to medical care, such as office visits, prescriptions, and emergency room care. Surgery, broken bones, medication, and specialist visits all cost a lot of money. Without insurance, most people wouldn't be able to afford these services, even with income from a job. Depending on the employee's plan, a health insurance policy can cover vision, dental, and general medical care. Companies who sell health insurance for employee benefits may also sell life, retirement, casualty, and disability insurance. Insurance brokers are professionals within this field that can provide anything from global insurance and employee benefits to surety and risk management services. Employees of a small or large business usually have a choice when it comes to their healthcare plan or policy, such as PPO or HMO. There are individual plans, family plans, and group plans, each featuring its own coverage rates, deductibles, premiums, and in-network providers. The employee chooses the most affordable plan for him or her, with the cost taken directly out of the paycheck each week. Some employees may have to come up with a copay for doctor and emergency room visits for themselves, their spouse, and their children. Because insurance covers part or all of doctor's office visits, minor procedures, and major surgery, one must be careful when selecting the right plan. Too much coverage and you could be paying way more than you need each pay period. Too little insurance and you may find yourself out of luck when you face a major surgery or have a baby, for example.
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