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Health Insurance Carriers
Executive Planning Concepts and affiliated companies offer a full service network of health, life, disability income and dental insurance companies, providing superior products and unsurpassed service.
Following World War II, American companies found health insurance to be a tax-efficient way of compensating employees.
Fast forward to today, as health costs spiral upward, both companies and individuals are beginning to look for alternatives. A reason cited by some analysts to at least partially explain the rapid rise in health costs is that consumers, who have their medical expenses paid to a large extent by insurance, have no motivation to control costs. Until now? Why? Contact us about the medical IRA. It is in everyones best interest to control medical costs. Now any medical savings can accumulate in your savings and spending account. Remember we are on the employers and employees side.
Below is a list of the Health Insurance Carriers that we represent. If you click on the carriers name, you can access the carriers website.
 Aetna is a national company with over 150 years of experience. They offer a wide range of plans. In addition they have a discounted vision care program called "Vision One," that is automatically included in every health plan. They have an expanded physician network, one of the largest hospital networks in Greater New York and an ID card that is recognized across the country. There are many plans to choose from with many options available to meet the needs of many different kinds of companies. In February 2002, Aetna's entire Northeast region, which includes plans operating in Connecticut, New York, northern New Jersey and Maine, has earned an "excellent" rating from the NCQA.
 Atlantis Health Plan is a new plan available to the NY Metropolitan area including the Boroughs of Manhattan, Brooklyn, Queens, Bronx and Staten Island. Atlantis is the plan where the "Doctors make the difference" because Atlantis is solely owned and governed by private practice doctors. Their goal is to provide cost-effective health care and they offer POS and HMO plans with a choice of co-payments and plans which gives the consumer a wide range of health care and medical services including preventive care.
 Cigna is a leading provider of healthcare, insurance and financial services throughout the United States and around the world. Cigna HealthCare is one of the nation's largest health care organizations. Cigna is delivering quality care and is determined to do it in a friendly, uncomplicated way to the member as well as the broker community. By offering such benefits as discounted alternative medicine and laser vision correction, Cigna has the best interest of its members at heart. Cigna offers a large selection of medical HMO plans, and PPO plans with an array of co-payment options. Dental plans are also available.
 GHI has the solutions for any company's healthcare needs. GHI' s rates are very competitive. There is an EPO plan available which is sure to become very popular as well as their PPO plan that is very competitive in today's marketplace. Each of GHI's plans offer quality coverage at an affordable price. Best of all, almost 60,000 providers - hospitals, physicians, pharmacies and other health care professionals - have joined GHI in the effort to provide cost-effective, quality healthcare. For more than 60 years, GHI has pioneered affordable health insurance programs.
 Guardian Health Net, formerly The Guardian and Physicians Health Services of New York (PHS) is a joint marketing and services arrangement between The Guardian and PHS. PHS was started by a group of physicians over 20 years ago. The goal then and now is to provide outstanding service to members through a network of high quality medical providers. Guardian Health Net is available for small (2 - 50 lives) and large (50 or more) groups. The plans available to choose from are HMO, POS and a gatekeeperless product (no referral for specialist).
 HealthPass offers freedom of choice for Small Business. HealthPass is an exciting small group product (2-50 eligible employees) that addresses the unique needs of small businesses in the new millennium. Employees of small businesses typically get one choice in health insurance - take it or leave it. With HealthPass in place, employers give their employees a choice from many different benefit options from some of the best health plans in New York - GHI, HIP Health Plans, Guardian HealthNet, Horizon Healthcare and PerfectHealth. And by using the "defined contribution" method, employers can fix a benefits budget while allowing their employees access to a menu of benefit options, just like a Fortune 500 company. Plans are available with all different levels of benefits including both in-network only and in and out of network options to choose from. And by joining together quality networks, Healthpass offers more doctors and hospitals to employees than any one plan alone. Plus, everything is simplified so there's only one enrollment form, one group application and one consolidated bill. HealthPass - it's that simple. (NOTE: HealthPass is available for businesses located in the 5 boroughs of New York, Westchester, Rockland, Nassau and Suffolk Counties - for more info, contact your FNA representative or visit our website at www.healthpass.com)
 HIP, Known as the region's premier HMO and growing in its national reputation, HIP Health Plan of New York offers and expanding range of health care choices as well as a growing provider network. Now number over 21,000 providers in nearly 32,000 service locations, HIP's health care options include physicians independent practice as well as physicians practicing in health care centers. The centers are managed by outstanding groups of multispecialty physicians, as well as groups associated with leading hospitals, such as Beth Israel Medical Center, St. Luke's and Roosevelt Hospitals; Lenox Hill Hospital; St. Barnabas Hospital and Montefiore Medical Center.
With the acquisition of Vytra Health Plans and its more than 200,000 members, HIP is the largest HMO and one of the largest health plans in the New York metropolitan area. It is also the largest Medicare and Medicaid HMO in New York State, according to Centers for Medicare and Medicaid Services. HIP is the first health plan in the nation to offer a Web site (hipusa.com) in English, Spanish, Chinese and Korean.
 Horizon Healthcare draws on 65 years of experience. They offer competitive rates, a large PPO network and recently added their own network. Horizon Healthcare offers some new and innovative plan designs to meet the needs of almost any employer group.
 The LIA Health Alliance is a small business health insurance purchasing cooperative designed to increase competition, decrease health insurance rates and expand choices. The advantage to the LIA Health Alliance is that employees in one group can have the option of choosing from different health insurance carriers (GHI, HIP Health Plan of New York, Horizon Healthcare, MDNY Healthcare Vytra Health Plans) as well as different benefit plans. The choice you make within your company is based on the network and your budget. With the combination of carriers, it is the most extensive list of physicians and hospitals on Long Island.
 MDNY is the one of the very few insurance carriers in New York State to be owned and operated by its doctors and hospitals. With a strong presence in Nassau and Suffolk County. MDNY plans are available for large and small groups and it is also available to the self-employed through IRBA. Take a look at MDNY and what they have to offer. All MDNY plans are open access with a variety of choices with competitive rates. There are new plans and new networks that make MDNY perfect for anyone's needs.
 Oxford Healthplans is pleased to announce that the merger between UnitedHealthcare and Oxford Health Plans has been formally completed, uniting two highly complementary organizations focused on creating more choice and access in our markets. UnitedHealthcare's tri-state operations will be combined with those of Oxford Health Plans under the leadership of Chuck Berg. Oxford Health Plans offers consumers access to a broad network of quality health care physicians and providers in the tri-state region. The combination strengthens the offerings and capabilities available to customers of both companies, enabling greater flexibility, choice, and access to the health care system. The blending of these two companies will give many advantages.
 Patriot Health is a leading administrator of discount RX plans that work as a stand alone product. There are no deductibles, no claim forms, no underwriting. It is not "insurance" but a discounted prescription card that works on a three-tier structure, and your co-payment or cost is based on the name and type of the drug. It is just another way to help maintain the cost of prescriptions.
 PerfectHealth - Anthem Health & Life Insurance Company of New York has changed its name to The PerfectHealth Insurance Company ("PerfectHealth"). They decided on this name because they believe high deductible health insurance is the "perfect" solution for today's high premiums. By joining high deductible plans with tax deductible Medical Savings Accounts or the future Health Savings Accounts, plan-holders can save premium dollars and stop paying out of pocket expenses with after tax dollars.
 Touchstone Health Partnership, Inc. is the first Federally-Qualified Physician Sponsored Organization with a Medicare Advantage contract in New York. Six years ago, Touchstone Health was started in New York City by local, neighborhood doctors, and they remain owned and operated by these doctors. Their goal is simple: to provide efficient and quality healthcare to Medicare beneficiaries in the communities that they serve.
All these Insurance companies participate in the Consumer Driven Health Plan - A Healthcare Savings Account (HSA) serves as a medical and retirement-planning savings account that gains tax-free interest. Your employees can withdraw money tax-free to spend on medical expenses or save the money for retirement.
Our other brokerage (Marquis Brokerage) firm offers personal insurance, such as homeowners, rentals, coops, condos, auto, umbrella, life (and many other personal services for the benefit of employers, employees and partners).
www.Marquisbrokerage.com
email address: marquisbkg@aol.com
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