HPFreedom Insurance Support Services

Now more than ever, employers need an advocate to assist them in understanding how the Affordable Care Act (ACA) will affect them. Changes are coming in almost every week from our government causing the medical providers to change their procedures. Most employers do not have an in-house specialist to keep up with all the changes. Some are forced to wade through this on their own or place their trust in an unqualified agent.

At Health Plan Freedom we are on top of the latest changes no matter where they originate. We have a fiduciary responsibility to our clients and will offer the most competitive rates along with creative plan designs.

Our 97% client retention rate is proof that the services we provide are superior.



Group Health Insurance

Coverage underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a Coinsurance requirement each employee must pay.

Read More: Group Health Insurance

Group Health Insurance

Coverage underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a Coinsurance requirement each employee must pay.

There are four fully-funded Medical Plans available and one Level Funded option:

PPO - Preferred Provider Organization
You are allowed to self-refer to any provider in the network. When using the in-network providers, the higher level benefit is received. This may be as much as 90% after the deductible. The benefit level for providers out of the network is typically 70% to 80%. Pre-authorization requirements must be met in or out of network. Providers in and out of network usually have a Doctor Office Copay
POS - Point of Service
Very similar to an HMO in-network plan. It uses a "gatekeeper" (Primary Care Physician or PCP) to refer cases to other in-network providers. Deductibles usually only apply to out-of-network care. Co-insurance is either 90% or 100% for in network providers. Services received out-of-network are typically paid at the 60% to 70% level. There are exceptions...typical an emergency while away from network providers or treatment required from specialists not available in-network
HMO - Health Maintenance Organization
The HMO uses a Primary Care Physician to direct all health care. No benefits are available outside of the provider network except when there is an emergency. HMO plans focus on wellness and preventive medicine and is the highest level of managed care.
Indemnity Traditional Coverage
The insured individual is free to use the doctor, clinic, or hospital of their choice. Both a deductible and a co-insurance apply and there are normally no co-pays for doctor office visits.
Level-funding/Self-funded
Level funding offers the same coverage and protection as fully-funded insurance plans, with the opportunity to get a refund on any un-used claims dollars. How does that work? The same as fully-funded insurance plans – a large portion of your premium dollars are put into reserves to pay claims. With level-funding plans, if your group has a healthy year they keep the claims dollars at the end of the contract term. Level-funded can be coupled with a PPO, POS, and HMO service platforms.

 

aetna logo  Aetna
bcbs nc  BlueCross BlueShield of North Carolina
bcbs sc  BlueCross BlueShield of South Carolina
cigna logo  Cigna
humana group  Humana
nationalgeneral logo  National General
starmark logo2  Starmark
uhc large  UnitedHealthcare



Group Disability Insurance


  • Short Term Usually covers 1st day accident, 8th day illness and up to 26 weeks of disability. A flat amount is typically provided as the weekly benefit.
  • Long Term Coverage begins after a 60 or 90 day elimination period. Funds replace appoximately 50% to 66% of the employees income. Benefits can be from two to age 65.

Read more: Group Disability Insurance

Group Disability Insurance

  • Short Term Usually covers 1st day accident, 8th day illness and up to 26 weeks of disability. A flat amount is typically provided as the weekly benefit.
  • Long Term Coverage begins after a 60 or 90 day elimination period. Funds replace appoximately 50% to 66% of the employees income. Benefits can be from two to age 65.

 

Aflac Logo 1  Aflac
aig 250w  American General
guardian logo  Guardian
metlife logo  MetLife
principalfinancial logo  Principal Financial Group
unum logo  Unum Provident



Group Dental Insurance

  • Preventive Care This plan normally pays 100%. A small deductible may apply.
  • Basic Services This plan is usually paid at 80% after a small deductible. It covers, but is not limited to, fillings, restoration, extractions and sealants.
  • Major Services Usually paid at 50% after a small deductible. Examples of coverage include crowns, inlays, bridges, periodontic work.

Read more: Group Dental Insurance

Group Dental Insurance


  • Preventive Care This plan normally pays 100%. A small deductible may apply.
  • Basic Services This plan is usually paid at 80% after a small deductible. It covers, but is not limited to, fillings, restoration, extractions and sealants.
  • Major Services Usually paid at 50% after a small deductible. Examples of coverage include crowns, inlays, bridges, periodontic work.

 

Aflac Logo 1  Aflac
deltadental logo  Delta Dental
guardian logo  Guardian
metlife logo  MetLife
principalfinancial logo  Principal Financial Group
securian logo2  Securian



Group Vision Insurance


Why is vision health important?

You only get one set of eyes. Take care of them. Your eyes not only affect how you see, but how you feel. Caring for your vision can lead to a better quality of life, including:

Read more: Group Vision Insurance

Group Vision Insurance

Why is vision health important?

You only get one set of eyes. Take care of them. Your eyes not only affect how you see, but how you feel. Caring for your vision can lead to a better quality of life, including:

  • Fewer headaches
  • Better performance at school
  • Less computer eye strain
  • More effectiveness at work
  • Better performance in sports

It all starts with an eye exam.

 

vsp logo  VSP
uhc large  UnitedHealthcare



Group Life Insurance


The plan will cover an employee for a flat amount equal to one, two, or three times the employee's annual salary. The employee may purchase additional coverage if desired at his/her own expense. Dependent family members may or may not be covered.

Read more: Group Life Insurance



Group Life Insurance

The plan will cover an employee for a flat amount equal to one, two, or three times the employee's annual salary. The employee may purchase additional coverage if desired at his/her own expense. Dependent family members may or may not be covered.

Our financial specialists can help you implement solutions to life insurance needs of any kind. Whether you are looking for a low cost way to ensure the well-being of loved ones, or to put a tax-sheltered investment in place that allows for maximum contributions, we can find the right fit for you. Out life insurance products range from Term Life to Universal and Variable Universal Life, and we represent over fifteen carriers.

 

Aflac Logo 1  Aflac
aig 250w  American General
   GE Financial
guardian logo   Guardian
thehartford logo   The Hartford
 metlife logo  MetLife
 nipponlife logo  Nippon Life Benefits
principalfinancial logo   Principal Financial Group
 unum logo  Unum Provident



GroupInsurance Professionals

Group Insurance Experts

Group Insurance Professionals


  • Present quality benefit plans based on employer parameters
  • Coordinate sales & initiates renewals
  • Negotiate the most competitive premiums
  • Obtain alternative quotes from marketplace
  • Provide benefit reviews and market analysis
  • Coordinate enrollment meetings and materials
  • Provide assistance with employee announcements
  • Monitor the integrity of benefits plan throughout year
GroupInsurance Customer Service

Group Insurance Customer Service

Group Insurance Customer Service


  • Responds to the client or insured's service needs within 24 hours
  • Investigates claim and administration inquiries
  • Assists in client billing administration
  • Assists with employee benefit changes and updates
  • Provides direct access to insurance carriers
  • Maintains up-to-date knowledge of ever-changing benefit regulations
  • Advises on the impact of current issues and regulatory activities
  • Provides guidance on proper human resource procedures
  • Coordinates new hire enrollments and communication
GroupInsurance Administration

Group Insurance ADMINISTRATION Wide

Group Insurance Administration


  • Coordinates quotes process
  • Provides hospital and physician network comparisons
  • Conducts employee meetings
  • Processes employee enrollments
  • Coordinates efficient enrollment process