Integrity First
Group Health Plans
Working Hours
Mon-Thur: 9am – 5pm
Fri: 9am - 3pm
Sat: By appointment only
Sun: Closed
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For Businesses of All Sizes
We specialize in creating customized benefit plans for businesses of all sizes. Health insurance is not a one size fit all proposition. We understand that every business is unique, so we work hard to tailor your health insurance to fit you, your employees and your business.
GET THE BEST SOLUTION FOR YOUR BUSINESS
Fully Insured Health Plans
We work with all of the major medical carriers to find the right fit for your business.
What is a fully-insured health plan?
This is the most traditional type of health plan. A
fully-insured health plan refers to a group health plan in which the employer or association purchases health insurance from a commercial insurer in order to provide coverage for its employees or association members.
The employer pays premiums to the insurer (some of which are passed on to the employees via payroll deduction) in trade for the insurer taking on the financial risk associated with providing coverage and administering the plan.
Level Funded Health Plans
Want a major medical plan without the cost and more flexibility? We can help you explore level funded programs through the major carriers as well as alternative carriers.
What is a Level Funded Health Plan?
A
level funded health plan is an insurance arrangement in which an employer pays a health carrier a set monthly payment to cover the estimated cost for expected claims, administrative costs, and stop-loss insurance premiums.
If actual claims are lower than expected, the employer receives a refund for unused dollars at the end of the plan year. If actual claim costs are higher, the carrier makes an end-of-year adjustment to increase the premium on the employer’s stop-loss insurance.
integrity first IS YOUR TRUSTED BUSINESS SOLUTIONS PARTNER
Limited Med Health Plans
Do you have a young and relatively healthy workforce? Do you want Health insurance without the major medical cost? Let us help you explore Limited Med Health Plans.
What is a Limited Med Plan?
Limited medical plans provide less benefit than regular medical insurance, but for a lower cost. They only cover medical costs up to a certain low level. Any fees incurred above that level have to be paid for by the patient.
FSA
A flexible spending account (FSA) is a type of savings account that provides the account holder with specific tax advantages. An FSA is sometimes called a “flexible spending arrangement” and can be established by an employer for employees. The account allows you to contribute a portion of your regular earnings; employers also can contribute to employees’ accounts. Distributions from the account must be used to reimburse the employee for qualified expenses related to medical and dental services.
HSA
- A health savings account (HSA) is an employer-sponsored health plan that is much like a savings account and is typically maintained and administered by banks or insurance companies.
- Whether you are an employee or self-employed, you must be covered by a high-deductible health plan (HDHP) in order to establish an HSA.
- Withdrawals from an HSA can be made on a tax-free basis as long as they are used to pay for qualified medical expenses.
- Unlike many employer-sponsored savings plans, an HSA allows you to roll over any money that you do not spend by Dec. 31.
Hours Of Operation:
Monday - Thursday: 9am – 5pm • Friday: 9am – 3pm
Saturday: By appointment only • Sun – Closed