Health Insurance

Looking for Group Health Insurance?

Quoting or purchasing Health Insurance is a relatively simple, quick process. Understanding policy benefits so you can make the best purchasing decision however can be a challenge. At Preferred Guardian Insurance, we take the time to go over benefits with you and your family to make this process even easier.

Key Components to a health insurance policy are:

The deductible: The greater deductible, the lower the premium. The deductible is what you will pay before benefits are paid. There can be an individual deductible, family deductible, or both.
Co-Insurance Percentage: This is the percentage the insurance company will pay after the deductible has been exhausted. The percentage varies most commonly from 80-100%. The higher the percentage, the higher the premium
Maximum Out-of-Pocket: This is the most that the consumer will pay in addition to their deductible. This applies to covered benefits only.
Office Co-Pay: The amount you will pay to see the doctor within the Insurance Company Network. In most cases, diagnostics, blood work, X-Rays, etc. fall outside the office co-pay. Many policies have different co-pay amounts for family doctors and specialists.
Prescription Coverage: This is the amount you will pay for prescriptions covered under your policy. There are generally three or four categories of prescriptions, all of which have a different benefit amount. There can be a deductible applied to reduce the expense of the insurance plan

For a health insurance quote within 24 hours, please provide the following information:

Your Name
Date of Birth
Height and Weight
Spouse Name (if applying for coverage)
Spouse Date of Birth
Spouse Height and Weight
Name, Age and Gender of Children (If applying for coverage)

Please give us a call to discuss details on your health insurance plan. Prior to applying for coverage, please consult one of our insurance professionals.

Click the logo for a quote on Aetna coverage.	Click the logo for a quote on BCBS coverage.	Click the logo for a quote on Humana coverage.

Group Health Insurance

As employers, we want to offer our people the best possible coverage for their families and themselves.

Many of the same items that apply to Individual Health Insurance apply to Group Health Insurance. There are many things to consider when selecting a group plan such as:

Affordability for both yourself and your employees
Quality of the Insurance Company
Deductible
Co-pay percentage
Maximum out of pocket

In order to qualify for group insurance, the following must occur for most companies:

There must be at least two employees in the group
The employer must contribute at least 50% of the individual premium, although some carriers require 75%
At least 75% of the employees must enroll

In order to receive a quote, click here for us to send you our Employee Questionnaire Spreadsheet.. Most quotes are returned within 48 hours and will include a minimum and maximum premium which is determined after underwriting the group.