Medicare Insurance
Prescription Part D Supplemental Insurance
Life Insurance Accident and Dismemberment Insurance Short-Term and Long-Term Disability Insurance
Renewal
Medicare Insurance
Medicare is the Federal Government Health Insurance Program for people age 65 and older and younger people living with illnesses and disabilities.
- Part A- Covers hospital care and hospice care.
- Part B- Covers Doctor appointments, out patience care and preventative care.
- Part C- Covers benefits of part A and B and covered by private insurance companies that are approved by Medicare.
- Part D- Covers Prescription Drugs
Prescription Part D
This covers most outpatient prescription drugs. It is offered through private companies or Individual Insurance Plans. This will help you save money on your prescription cost.
Supplemental Insurance
Supplemental Insurance is a great additional coverage for those with high deductible plans and it is also beneficial for those who have catastrophic accidents and must pay the out- of-pocket expenses that your major medical would not cover. Some Supplemental Insurance may provide you with a cash benefit paid out over a period of time or pay you out in one lump sum. These plans are designed to give you financial comfort for any unexpected health emergencies.
Life Insurance
Life Insurance is a contract between a life insurance company and a policy owner. It is a legally binding contract that pays into a death benefit by the person who owns the policy. When the insured person dies. The named beneficiaries will be guaranteed premium payments for the face value or death benefit.
Accident and dismemberment Insurance
Accident death and dismemberment Insurance (AD&D) is added as a rider to your Health Insurance or Life Insurance Policy. This covers dismemberment which is the loss of a body part such as, limbs, speech, eyesight and hearing and unintentional death.
Short term and Long-term disability Insurance
Short-term Insurance covers the first few months you are unable to work. Meanwhile, Long-term Insurance can cover you for years. These situations are suited for those people who are injured, have a serious illness or permanently cannot work.
Renewal
Every year companies renew their Health Insurance Options. Either they may stay with the same plan design or make some carrier and plan changes for the upcoming year. Renewals may seem frustrating if the information is sent late. As that will cost your organization more money and stress. Here at Ivy Pacific, we are very proactive about strategizing, engaging with employees about their current health needs by providing surveys, and understanding the new upcoming goals of the organization. We always reach out three months before your renewal. Our goal is to save you money every year and take the stress load off of you by providing you with the most affordable plans that will help you succeed. Open enrollment is a smooth process for employees as they will be provided with an online enrollment tool that will simplify the process for them through our guidance. We make sure that your employees understand their options.
Tele-medicine
People can seek medical attention and care from the comfort and privacy of their homes. This helps save travel time and long waiting times. This program can reduce medical costs and will keep you healthy by staying away from the emergency rooms.
