Supplemental Products. Supplemental programs are designed to assist with an individual’s specific needs and make a great stand-alone. They also compliment employee benefit programs and are highly customizable, which means they can fit any lifestyle or budget. Supplemental Health Benefits.
While considered a supplemental plan, prescription plans are usually offered as part of benefits package in group medical expense plans. This coverage generally covers part of the cost of prescription drugs with co-pays for the employee.
Health insurance policies that provide daily indemnity benefits for extended care confinement. Quite often overlooked, Long term care policies can be used to preserve assets, especially for critical illnesses, or in later years when declining health often results in extended hospital stays.
health savings accounts are rising in popularity as insurance premiums and deductibles rise. HSA’s provide a tax-deductible savings vehicle for paying qualified medical costs such as deductibles, co-pays, and prescriptions.
Its (also known as a flexible spending arrangement) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside. This is a use it or lose it plan, so employees need to carefully determine their qualified expenses for the upcoming year. There are also limits to the amount an employee can contribute to the FSA per year. Finally, there is a Dependent FSA which can be used to increase savings limits to cover additional qualified dependent expenses such as day care, braces, education, etc.
Preventive maintenance plans which take proactive steps in improving the health of employees…essentially driving down costs of claims and reduced hours due to sickness. MRG of GA offers a unique Indemnity Payment Health and Wellness plan which offers coaching, counseling, telemedicine, biometric screenings, and DNA testing. This unique plan utilizes Cafeteria 125 tax deductions to provide a program which increases take home pay for employees and provides tax savings for employers. CLICK HERE for more information.
Supplemental policies which help cover expenses for preventive care, and also offer discounts for services such as root canals, crowns, etc.
Supplemental plans which assist in coverage for routine eye exams, dilations, etc. Also, provide discounts for prescription glasses, lenses, and/or contacts.
We are full line of Health, Accident and Sickness, Life, and Disability Insurance Products. If you are interested in discussing your insurance needs with a licensed agent, please contact us.