AVOID COSTLY MISTAKES

In most years you wind up paying your insurance premiums and most or all of the cost of your treatment.  If the premiums are affordable but unsuitable due to high deductibles, co-insurance, and out-of-network charges, it can create a financial burden difficult or impossible to afford.  We work with business owners and employees to uncover opportunities to lower costs.

FAST EASY QUALIFICATION

There are some simple yet effective ways for employers, employees and individuals to reduce their health insurance costs.  Some of those ways are not immediately obvious, but we’ll help you make it easy and affordable. Call us toll-free 888-559-2339 and we'll show you just how fast, friendly and easy it can be to work with us.

AND NO OBLIGATION

Wellness is much more than the absence of disease or infirmity. Total wellness should be seen as individuals assuming personal responsibility for shaping, adopting & maintaining healthy lifestyles, in order to achieve optimal levels of physical, spiritual, mental and emotional health. We are here to help you get the best coverage for the right price.

There are some simple yet effective ways for employers, employees and individuals to reduce their health insurance costs.  Some of those ways are not immediately obvious unless you understand how the new healthcare laws and HHS regulations work in conjunction with certain IRS regulations. We’ll help you make it easy and affordable.

You want to provide the best available plan for your workers but it also needs to be cost-effective for your company.

Healthtree Financial Fitness is dedicated to giving business clients the best choices for health insurance who want group coverage for their workers, as well as, the individual or family that also wants coverage.

Considering the changing nature of health insurance currently, we stay abreast of the latest developments that will affect the plan you selected, the coverage you expect and the cost to your business.

We have a broad assortment of group health insurance options that are available in your area, and we will regularly present to our customers the best options at the best price available — yes, jaw-dropping.

 

Travel Medical Insurance

Travel Medical Insurance covers you in the event of an ailment or accident when vacationing outside of your country of residence. It offers crucial medical benefits in case of an emergency.

Taking a trip out of the country is an exhilarating adventure, but unforeseeable ailments and accidents can happen. Worse still, the ensuing medical fees can be mind-boggling.

The level of international medical coverage offered by your national insurance provider can vary considerably depending on your plan, so you could have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.

Dental Insurance Planning

Dental Insurance is one of the most sought-after employee benefits. Numerous businesses provide dental insurance coverage for their employees, but an increasing number of employers are presenting this as a voluntary benefit that is paid 100% by the staff member through payroll deductions.

Most dental plans provide :

✔ Full coverage with a 100% benefit for preventive exams and cleanings,
✔ An 80% benefit for basic services such as fillings and root canals, and
✔ 50% benefit for major services and prosthodontics such as implants, dentures, crowns, etc.


Some dental insurance companies provide a dental buy-up plan that allows the employer to purchase a base plan, while staff members purchase additional benefits as necessary.

Another more recent option for dental insurance is a dual option plan that allows each staff member to choose a basic plan or a more detailed plan depending on her needs. This is a voluntary benefit, which means that each employee obtains the coverage needed for her and her family. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.

Disability Insurance Planning

7 in 10 WORKING AMERICANS Would not last one month before financial difficulties.

The moment that an accident or illness prevents an employee from working for an extended length of time, the economic impact can prove to be severe for the employee as well as for the employer. Long Term Disability (LTD) insurance  is tailored to help cover the employee’s bills while their regular income is disrupted.

Flexible plan layout options and benefit choices are available to fulfill particular requirements. This beneficial protection is available with low-cost, tax-deductible premiums.

1 in 4 WORKING AMERICANS Would have financial problems immediately

A consistent income is important for the majority of people. If an accident or illness stops that income, it affects both the employee and the employer. Short-Term Disability (STD) insurance is structured to replace a portion of the lost wages whenever a short-term disability occurs.

An inexpensive, versatile short-term disability insurance plan can supply needed benefits to both the employer and the employee. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.

Long-Term Care Insurance

Did you know… over 40% of people receiving long-term care services are under the age of 65? This is one of the reasons why long-term care insurance has become a frequently requested employee benefit. Employer-based long term care insurance is an essential part of a comprehensive benefits package.


Long-Term Care is the type of care received either at home or in a facility, whenever someone needs help with activities of daily living, such as bathing and grooming as a result of an incident, an illness or advancing age.


Increasing life expectancy indicates that the potential necessity for “long-term care” becomes more serious with each and every passing year of your life. The chance is that you or a member of your family will need long-term care assistance thanks to a prolonged disorder, a disability, or general deterioration of your health and ability to conduct routine daily activities.

Many long term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for just about half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” the majority of your assets on health care. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.

Vision Insurance

Coverage for Eye Examinations, Frames, Lenses and/or Contacts.

Vision Insurance plan is particularly appealing for businesses due to the fact it is inexpensive to provide, still, it’s yet another employee favorite.

Group Vision Insurance is a separate plan that affords coverage for eye examinations and/or eyeglass frames, lenses and contacts.

Oftentimes the basic health insurance plan may provide for regular eye examinations; however, usually it will not give any benefit for eyeglass frames, lenses or contact lenses; this is where a separate group vision benefit comes in handy. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.

OUR FREE GIFT TO YOU, A DEDUCTIBLE BUSTER RX CARD

Save As Much As 55% or MORE!

Download the iPhone or the Android mobile app and utilize it to locate pharmacies and find the lowest drug prices. Show your pharmacist this app in order to receive discounts on your prescription RX.  You can print out extra cards for your family members and save money on their prescriptions, too. Once you download and open the app enter ID number 820195704 and your drug discount card account will be active and ready for savings!

Reduce Prescription Costs Today With

AMERICANCARD

Join the millions of American’s who are already reaping the benefits of Americas Drug Card prescription discount programs.  Tap HERE for more information and to get your free prescription discount card. Enter ID number 820195704 to activate your card, if it is not already filled-in on the card.
 

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