Individual Health Insurance Covered CA Insurance Medicare Insurance
Prescription Part D Supplemental Insurance Dental Insurance Vision Insurance
Life Insurance Accident and Dismemberment Insurance Short-Term and Long-Term Disability Insurance
Pet Insurance Renewal HSA COBRA
FSA Tele-medicine Ease Central
Individual Health Insurance
Individual and Health Family Insurance Plans are for people who do not have access to Health Insurance from their employer or a Government Sponsored Plans. This also includes people who are self-employed, work for a small company that does not offer Health Insurance, people who are retired before they are eligible for Medicare until they reach the age of 65. Individual Health Insurance Plans are designed to personalize the coverage that will align with your health needs.
Covered CA Insurance
Covered California is a Health Insurance Market that makes it possible for individuals and families to get free to low-cost Insurance Coverage. Covered California plans are subsidized by the Government. If your income is below a certain amount. You can get a discount on your premium. If you are eligible, you can get free to low-cost Health Insurance Coverage through the State's Medi-Cal Program.
Medicare Insurance
Medicare is the Federal Government Health Insurance Program for people age 65 and older and younger people living with illnesses and disabilities.
- Part A- Covers hospital care and hospice care.
- Part B- Covers Doctor appointments, out patience care and preventative care.
- Part C- Covers benefits of part A and B and covered by private insurance companies that are approved by Medicare.
- Part D- Covers Prescription Drugs
Prescription Part D
This covers most outpatient prescription drugs. It is offered through private companies or Individual Insurance Plans. This will help you save money on your prescription cost.
Supplemental Insurance
Supplemental Insurance is a great additional coverage for those with high deductible plans and it is also beneficial for those who have catastrophic accidents and must pay the out- of-pocket expenses that your major medical would not cover. Some Supplemental Insurance may provide you with a cash benefit paid out over a period of time or pay you out in one lump sum. These plans are designed to give you financial comfort for any unexpected health emergencies.
Dental Insurance
Maintaining good oral health is not just about your teeth and gums, it's an investment in your overall well-being. Dental Insurance will allow you to lower the cost of your two annual teeth cleaning and one X-ray a year. You may have a chance of paying a very low co-pay.
Vision Insurance
Vision Insurance is a way to reduce eye care expenses. This will give you a discount on elective vision correction surgery and lower the cost of your retail eyeglasses.
Life Insurance
Life Insurance is a contract between a life insurance company and a policy owner. It is a legally binding contract that pays into a death benefit by the person who owns the policy. When the insured person dies. The named beneficiaries will be guaranteed premium payments for the face value or death benefit.
Accident and dismemberment Insurance
Accident death and dismemberment Insurance (AD&D) is added as a rider to your Health Insurance or Life Insurance Policy. This covers dismemberment which is the loss of a body part such as, limbs, speech, eyesight and hearing and unintentional death.
Short term and Long-term disability Insurance
Short-term Insurance covers the first few months you are unable to work. Meanwhile, Long-term Insurance can cover you for years. These situations are suited for those people who are injured, have a serious illness or permanently cannot work.
Pet Insurance
Pet Insurance will help you pay your bill for when your pet gets sick or injured. Most of these plans you will pay the full amount upfront at the hospital and when you submit your claim for reimbursement all you must send is the receipt to your insurer. These plans have deductibles and limits to see how much the insurer will pay for your claims.
Renewal
Every year companies renew their Health Insurance Options. Either they may stay with the same plan design or make some carrier and plan changes for the upcoming year. Renewals may seem frustrating if the information is sent late. As that will cost your organization more money and stress. Here at Ivy Pacific, we are very proactive about strategizing, engaging with employees about their current health needs by providing surveys, and understanding the new upcoming goals of the organization. We always reach out three months before your renewal. Our goal is to save you money every year and take the stress load off of you by providing you with the most affordable plans that will help you succeed. Open enrollment is a smooth process for employees as they will be provided with an online enrollment tool that will simplify the process for them through our guidance. We make sure that your employees understand their options.
HSA
Health Insurance saving accounts help people with high deductible plans by covering their out-of-pocket medical costs. HSA contributions are pre-taxed dollars. This means you will not pay income tax on the money you put into your HSA. This will allow you to save income tax money. You will be charged a 20% penalty if you withdraw funds from your HSA for non-qualified expenses before you turn 65 years of age. This is unlike flexible spending account FSA where if you don’t use it, you will lose it.
COBRA
COBRA (Consolidated Omnibus Reconciliation Act) Is a federal law that was created to protect your health coverage and well-being. COBRA lets you extend your former employer's health insurance coverage when you leave your job. There are qualifying and eligibility events, cost involved, and time coverage duration meanwhile you explore other options. We will help handle this process for you.
FSA
A flexible spending account (FSA) is a savings account that is provided by your employer for their employees. This account allows you to contribute a certain amount of your regular earnings to pay towards the FSA program. These contributions also have pre-taxing saving. FSA must be used by the end of the plan year if the employer doesn’t put a grace period in place. If you do not use your FSA you will lose that money as it does not roll over.
Tele-medicine
People can seek medical attention and care from the comfort and privacy of their homes. This helps save travel time and long waiting times. This program can reduce medical costs and will keep you healthy by staying away from the emergency rooms.
Ease Central
Ease Central is a benefit administration software that is designed for employers and employees. This will automate, streamline, and integrate with most payroll vendors. Ease Central will be used for open enrollments and ongoing enrollments as your employees become eligible for benefits. This software will keep you in compliance with Government Regulations and Health Care Reform such as the Affordable Care Act. It is a very easy set up and user friendly to navigate through. It will help you manage benefits, track eligibility, onboard new hires, offboard employees, automate medical deductions and more. Employees will have online access to Ease Central, which will allow them to see their cost and healthcare plan information.
