Group Health Insurance

· Experience: For over 25 years, our Health Insurance team has been dedicated assisting the community. We will provide you with guidance to service all of your Health Insurance needs. Why try to make sense of the ins and outs of the many different insurance carriers when The Tri-State Life Insurance Planning Agency, with experience, unsurpassed service, and large carrier selection can make your choices easier for you.

· Service: It is important to have an advocate that can assist you with any service work, claims, or problems that need to be resolved. With our proprietary software, we can quickly and easily find the best solution for you. Even if you currently have health insurance, we can find a solution to lower your premiums and keep the same or equivalent coverage you have now.

· Knowledge: The health insurance industry is always changing with new plan designs, new options, and new companies. It is impossible for the consumer to fully keep up to date on all this information. Let us do the research for you.

· Cost Savings: The number one reason to choose The Tri-State Life Insurance Planning Agency for your Group Health Insurance needs is our services do not cost anything. Give us a call today and start saving.

Understanding Health Insurance

Let's face it--in today's world, health insurance is a necessity. The cost of medical care is soaring higher every year, and it's becoming increasingly difficult (and in some cases, impossible) to pay medical costs out of pocket. Whether you already have health insurance or want to get it, here's some basic information to help you understand it.

You may have group health insurance or be able to buy it through your employer. Group insurance is most commonly offered through employers. It is also offered through some civic groups and other organizations (e.g., auto clubs, chambers of commerce). A single policy covers the medical expenses of a group of people. All eligible members of the group can be covered by a group policy regardless of age or physical condition. The premium for group insurance is calculated based on characteristics of the group as a whole, such as average age and degree of occupational hazard. It's generally less expensive than individual insurance.

The cost and range of protection that your health insurance provides will depend on your insurance provider and the particular policy you purchase. You may have comprehensive health insurance that involves several types of coverage, or basic coverage that includes hospital, surgical, and physicians' expenses. In addition, major medical coverage is necessary in the event of a catastrophic accident or illness. Many plans also cover prescriptions, mental health services, and other health-related activities (e.g., health-club memberships).

When it comes to health insurance, HMO, PPO, and POS are more than just letters. You need to know the types of health plans available so that you can make an informed decision. You can obtain health insurance through traditional insurers like GHI, health maintenance organizations (HMOs), preferred provider organizations (PPOs), point of service (POS) plans, and exclusive provider organizations (EPOs).

* Traditional insurers: These plans usually allow you flexibility regarding choice of doctors and other health-care providers. Some policies reimburse you for covered expenses, while others make payments directly to medical providers. You will pay a deductible and a percentage of each bill, known as coinsurance.
* HMOs: Health maintenance organizations cover only medical treatment provided by physicians and facilities within their networks. You must choose a primary care physician, who will either approve or deny any requests to see a specialist. You usually pay a fixed monthly fee for health-care coverage, as well as small co-payments (e.g., $10 for each office visit and prescription).
* PPOs: Preferred provider organizations do not require members to seek care from PPO physicians and hospitals, but there is usually strong financial incentive to do so (in terms of percentage of reimbursement). You usually pay a fixed monthly fee for health-care coverage, as well as small co-payments (e.g., $10 for each office visit and prescription).
* POSs: Point of service plans combine characteristics of the HMO and PPO. You must choose a primary care physician to be responsible for all of your referrals within the POS network. Although you can choose to go outside the network with this type of plan, your health care will be covered at a lower level.
* EPOs: Exclusive provider organizations are basically PPOs with one important difference: EPOs provide no coverage for non-network care.

Read your contract

You should have a basic understanding of what your policy does and does not cover. This may help you prevent an unexpected medical bill from arriving in your mailbox, because you'll know ahead of time, for instance, whether or not liposuction is covered. You must read your policy carefully, particularly the section on limitations and exclusions. The specifics will vary from policy to policy. In general, though, most policies will at least mention the following:

* Pre-existing conditions: An illness or injury that began or occurred before you obtained coverage under the policy. These conditions are often excluded from coverage for a time period, depending on state laws.
* Nonduplication of benefits: Benefits will not be paid for amounts reimbursed by other insurance companies.

Your health insurance policy should also address the following issues:

* Deductible: The amount that you must pay before insurance coverage begins (usually an annual figure
* Coinsurance: The portion of each medical bill for which you are responsible
* Co-payment: The fixed fee that you pay for each doctor visit or prescription
* Family coverage: Many group plans allow you to cover your spouse and dependents for an increased premium
* Out-of-pocket maximum: This provision is designed to limit your liability for medical expenses in the calendar year; you won't have to make coinsurance payments in excess of this figure
* Benefit ceiling: The maximum lifetime payout under the insurance policy, usually at least $1 million

Privacy Notice
Our Commitment To Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
The Information We Collect:
This notice applies to all information collected or submitted on the Tri-State Life Insurance Planning Agency website. On some pages, you can request a quote, make an appointment, or inquire about our services. The types of personal information collected at these pages are:
Name
Email address
Phone number
Comments
The Way We Use Information:
This site is owned and maintained solely by the Tri-State Life Insurance Planning Agency. The confidentiality of information received either through inquiry or quote request is strictly preserved; as does your physician with your medical information. The privacy of information received is strictly protected. Tri-State Life Insurance guards the confidential and personal information entrusted to us and we do not share, sell or exchange information with any other source or individual(s). Your satisfaction and trust is our goal.
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please call us at 516-522-2882 or send us an email at contact@tristatelifeinsurance.com.

Tri-State Life Insurance Planning Agency

Office: (516) 224-4440

RexCorp Plaza
626 RexCorp Plaza
Uniondale, New York 11556

By Road:
The Reckson Plaza Center of HQ Global Workplaces is centrally located in Nassau County, at the intersection of Meadowbrook Parkway and Route 24 (Hempstead Turnpike). Situated across the street from Nassau Coliseum Complex and the Long Island Marriott.

FROM THE NORTH: Take Northern State Parkway to the Meadowbrook Parkway South (toward Jones Beach). Take exit M4 West and follow to the end to Route 24 (Hempstead Turnpike). Merge onto Route 24 and immediately go to the left lane and turn left at the first traffic signal for Glen Curtis Boulevard. Follow ½ mile to the entrance of Reckson Plaza on the left hand side of the road.

FROM THE SOUTH: Take Southern State Parkway to Meadowbrook Parkway North. Take Exit M4 West for Route 24 (Hempstead Turnpike). As you merge with Route 24, immediately go to the left lane and turn left at the first traffic signal for Glen Curtis Boulevard. Follow ½ mile to the entrance of Reckson Plaza on the left hand side of the road.

Once inside the building, take the escalator up to the main lobby level, and turn left towards the West Tower. Take the North elevator bank to the 6th Floor for HQ Global Workplaces