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Health Insurance

With the rising cost of health care in the country, you cannot afford to not have medical coverage. A single trip to the hospital can put your family in a serious financial bind. Protect your family and your assets by making sure you can afford to receive the best medical care available.

• PPO Coverage
  You can choose to receive services from any doctor in the "Preferred Provider Organization". Service received outside of the Network is reimbursed at a greatly reduced rate.
  
  
• HMO Coverage
  "Managed Care" plans control medical costs by having all of your care managed by a Primary Physician. You chose one Doctor as your Primary Doctor, and all other care is referred for approval.
  
  
• Health Savings Accounts (HSA), formerly Medical Savings Accounts (MSA)
  MSAs are tax-deferred accounts that allow you to save money for medical expenses. Your employer (or self) would take the money currently spent on your health insurance and deposit a portion into your newly established HSA, up to $1,400 for an individual (or $3,375 for a family). The other portion would be used to purchase a catastrophic policy that covers medical expenses after you meet a deductible.