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Read on for information regarding plans and services: |
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Health |
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With medical
expenses steadily on the rise,
most of us cannot survive without good
medical insurance. Health insurance plans fall into two
categories - indemnity plans and managed care plans (i.e. HMO's,
preferred provider organizations [PPO's], and [POS] point of
service plans). |
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Indemnity plans allow you to choose your own doctors.
The plan pays for your medical expenses totally or in part or it
allows a specified amount of coverage per day, etc. While
a managed care plan provides broader coverage, it involves an
arrangement between the insurer and a selected network of
health-care providers. That is, you are required to select from
primary care physicians in the network who refer you to
specialists, if necessary.
Selecting the plan that is right for you is very
important. The best plan is the one that gives you both
flexibility and benefits at the lowest cost available.
GreenTree Benefit Services will help find the best plan for you. |
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"Mini-Meds"/"Secure Care" |
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Most employers
realize that offering health benefits reduces turnover and associated costs. The challenge is to find
quality benefits at a price the employer and employee can live with.
Mini-Med/Secure Care insurance is a new alternative to
traditional healthcare insurance that provides traditional range
of medical insurance but at predetermined limits set by your
employer. Mini-meds are a relatively new and
very affordable alternative in healthcare coverage. |
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"Seniors Choice" & Individual Medicare Plans |
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The Seniors
Choice plan is designed for employers to
offer their retirees. The plan provides coverage for medical
expenses not covered by Medicare (including out-patient
prescription drugs). |
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Participants are offered a complete choice of
physicians at economical rates including outpatient
prescription coverage. |
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Disability |
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Statistics
show that men have a one in five chance of suffering a long-term disability before their planned
retirement; A woman, one in three! What would happen to you
and/or your family if you were to become disabled? Many
employee plans, such as workers' compensation and social
security benefits - combined - do not provide adequate
coverage. GreenTree Benefit Services offers supplemental
coverage to protect you from the financial disaster
caused by injury/illness-related disability. |
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Life Insurance |
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Buying life insurance is an easy way to protect your family after you're gone.
The staff at
GreenTree Benefit Services will help you determine what
type will give you peace of mind. |
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There are two basic types of life insurance: Term, which provides coverage for
a specified period of time (term), and cash value (permanent)
insurance, which combines a death benefit with a cash value
component. |
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Self Insurance |
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Self-insurance
(or self-funding as it is also referred
to) is an alternative risk financing strategy used by tens of
thousands of employers across the country to finance their group
health care and workers' compensation liabilities.
Self-insurance has become an increasingly attractive option for
many employers due to the rising costs associated with health
care and workers' compensation commercial insurance. |
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COBRA Billing at No Cost |
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Consolidated
Omnibus Budget Reconciliation Act (COBRA) legislation has
created a rather complicated administrative process for
companies offering health coverage to it's employees. Before you
can correctly administer the COBRA legislation, you must
understand contents, your company's responsibility and potential
liabilities. An employer found to be in noncompliance of the law
may be required to pay stiff penalties and/or civil
responsibilities to former employees.
GreenTree Benefit Services has the necessary knowledge, experience
and the technology to work within the framework of COBRA legislation.
We offer a solution to COBRA administration... at NO cost to you, our customer! |
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Health Savings Accounts |
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Through a
combination of cost-control advantages and benefit enhancements
the "Health Savings Account" is an attractive option for
almost any small business and individual. Premiums and
contributions are 100% tax deductible with any accumulated
savings and interest kept in a tax-deferred, IRA-type account.
This plan is ideal for self-employed individuals
and companies with up to 50 employees! |
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Dental Coverage |
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GreenTree
Benefit Services offers dental coverage through multiple
carriers including Metropolitan Life (aka MetLife) and Delta
Dental. Delta Dental provides dental benefits for over 5,000 groups nationwide and
Metropolitan Life has been rated #1 largest dental carrier in
the country with over 7,000,000 employees... 18.6
million people covered!
These carriers have the knowledge and innovation to help you implement a dental plan that fits
your financial strategies and provides value to your employees. |
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Vision Coverage |
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GreenTree
Benefit Services also offers quality vision care services
including: Full-Service Vision, Eyewear Only, Exam Only, and
Voluntary Vision plans. Our carriers provide group and
individual vision care through a network of over 11,000 private
practice and retail optical providers nationwide! |
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