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Health Insurance
At American Business Insurance we make shopping for health insurance easy. With a little information we can compare the rates of the top companies in your area.
You Can't Have Doubts About Your Group Medical Coverage.
You have to be absolutely confident that your group medical insurance plan will do what it's supposed to do if a covered employee or dependent gets sick or hurt and needs treatment.
You simply can't afford an unpleasant surprise at claim time. With all the responsibilities of managing your business, you don't need any additional worries or problems.
You and your employees deserve the peace of mind that comes from having quality medical insurance. After all, peace of mind is the reason you buy insurance. It is truly priceless. But that doesn't mean that you have to drain your bank account in order to obtain it.
Now, you can have an economical, top-quality, custom-designed small group medical insurance plan from world class insurers. You get all that when you select a group health policy from American Business Insurance.
American Business Insurance offers extensive coverage.
- - A dependable base of inpatient and outpatient benefits, including wellness service
- - A variety of optional medical benefits to custom-tailor your plan
- - A chance to offer your employees as many as four different plans
- - A choice of life, dental and short term disability insurance to round out your benefits package.
American Business Insurance delivers exceptional value.
- - The Flexibility to structure your medical insurance program to meet the exact needs of your group
- - The opportunity to save money by selecting a higher deductible, lower benefit percentage and higher out-of-pocket limit.
- - The ability to provide richer benefits so you can compete with larger businesses for key employees
American Business Insurance provides peace of mind.
- - The confidence that comes from dealing with an industry leader.
- - The experience of a insurance company that has sold and serviced health insurance plans for over 110 years - Time Insurance
- - The stability of a health insurer rated Excellent (A-) by A.M. Best Company
Plan Types
- PPO Copay Plans
Feature physician and hospital networks. A covered person pays only the selected copay amount for each covered visit to a physician's office, urgent care center or non-surgical outpatient facility.
- PPO Plans
Feature physicians and hospital networks but do not include an office visit copay. They are generally more economical than PPO copay plans.
- Hospital-Only PPO Plans
Offers hospital networks but not physician networks. They are a good choice where there is no local physician network or if the local physician network does not meet your employees' needs.
- Traditional Indemnity Plans
Are best suited for those who live and work outside a PPO network area. Plans are subject to usual and customary charges.
- HSA/HRA Plans
Are high deductible plans specially designed to work with recent, federally authorized financing programs, know as Health Savings Accounts and Health Reimbursement Arrangements. Contact us for more information.
- Healthy Edge Plans
Are PPO Copay plans specially designed and priced for healthier groups that anticipate lower utilization of healthcare services.
- Group Dental
With our dental plans you will see significant premium savings, when you use network providers.
