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Group
Not only is group health insurance important to peace of mind for you and your family, but it can help ensure that your business is drawing the top candidates in the job market. Prospective employees are increasingly aware of health coverage, and making it a priority when selecting an employer. Give yourself and your business an edge in health, well being, and the market place by letting Ryan & Ryan handle your group health insurance.

Sole Proprietor
Sole proprietors are perhaps hardest hit by rising health care costs and health insurance premiums. Sick days are often impossible and no work due to illness or injury means no income! Ryan & Ryan understands the importance for sole proprietors to not only get healthy when they're sick or hurt, but to stay healthy to protect the welfare of their families and business. Let us provide you peace of mind with health insurance coverage you can afford.

Individual
Millions of Americans are uninsured or under-insured due to high health-care costs and employers cutting employee health plans due to rising premiums. Having health insurance increases the likelihood of early detection of major conditions such as cancer and diabetes and continued good health by seeing physicians for preventive care. These benefits are unlikely to be realized if expenses must be paid without health insurance. Talk to dedicated Ryan & Ryan agent about an affordable individual health insurance plan.

Dental
A healthy smile not only makes you look good, it may also impact your overall well-being. Numerous recent scientific studies indicate associations between oral health and a variety of general health conditions—including diabetes and heart disease. According to the ADA, dental benefits are consistently cited as one of the most sought after employee benefits. We can tailor an individual or family plan to your needs and budget whether you're a business owner or just someone looking to improve their dental and oral health.

HSA/HRA/FSA
Health Savings Accounts, Health Reimbursement Accounts, and Flexible Savings Accounts can be thought of as medical bank accounts, giving you more control over a portion of your health benefit dollars. Monies placed in these accounts are often deducted from your paycheck pre-tax, thereby getting more spending power from your wages. While these accounts are relatively new on the insurance scene, Ryan & Ryan has experience with each and can discuss pros and cons and all of your options.

COBRA
This is the Consolidated Omnibus Budget Reconciliation Act, passed by Congress in 1986. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporary continuation of health coverage at group rates. Due to the many variables and nuances with such plans, we suggest you contact Ryan & Ryan to discuss your individual circumstances.

 
 
 


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