Health insurance in the United States is in the midst of a radical transformation. One aspect of the momentous changes taking place is a shift in cost-sharing to the consumer. With few exceptions, we’re facing higher deductibles, higher co-pays and greater co-insurance. This cost-sharing trend is not going away and we need to find ways to help the consumer offset this financial burden. This is where Specialty Group Accident Insurance and Group Accident & Sickness Insurance plans can help your client.
Specialty Group Accident Insurance and Group Accident & Sickness plans help cover the patient responsibility that results from high deductibles, increasing co-pays and more cost-sharing in the form of coinsurance. By helping to offset the financial burden created by this cost-sharing, Group Accident Insurance plans also mitigate the chances that a family will need to take legal action against your client to cover their financial loss.
For families covered under Medicaid, Specialty Group Accident Insurance plans are primary over Medicaid and other state and federally funded plans potentially allowing for broader access to care and improved treatment options.
We deliver innovative Group Accident and Sickness Insurance solutions in all states and we do so with the help of long-standing relationships with Property & Casualty and Employee Benefits insurance brokers. We want to help you – help your client!
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