A and H Insurance provides an array of insurance plans, association health plans, benefits, and products for employer groups, individuals, and families. We also have a dedicated Medicare team to help you find the right coverage.
Plan Types
- Partially and Fully Funded — PPO and HMO
- HRA and High Deductible (HSA compatible)
- Short Term Medical
- Travel Medical Plans
- Supplemental Insurance (Aflac / Colonial)
- Association Health Plans
Note: Click on the icons to see info on other product categories.
Product Descriptions
PPO Plans: PPOs (Preferred Provider Organizations) offer great flexibility to patients and allows them to visit the specialists of their choice without referrals. They also offer some coverage for out-of-network providers. These plans are typically more expensive than an HMO and may be partially or fully funded by the employer.
HMO Plans: HMOs (Health Maintenance Organizations) are a lower cost plan that requires primary care referrals to see a specialist. Many will not cover any out-of-network services, except in emergencies. These plans may be partially or fully funded by the employer.
HRA: Health Reimbursement Arrangement plans offer tax-free reimbursement to employees for medical expenses or insurance premiums. Employers may contribute to these plans.
High-Deductible Health Plans w/ HSA: HDHPs are a low premium cost option that has a large deductible that must be met before any benefits are paid out. These may be paired with tax advantaged health savings accounts (HSAs) that allow employees to pay for qualified medical expenses. Employers may contribute funds to these HSAs and the accounts may even have investing options for employees.
Supplemental Insurance: These voluntary plans may cover incidents such as disability, supplemental life, accident, hospital confinement and cancer and critical illness plans. They can help pay for your everyday expenses if you're unable to work.
Association Health Plans: AHPs allow small businesses and self-employed individuals to form a group to get health insurance offerings similar to what a large business would get.
Dental insurance is an optional coverage in employee health & life benefits plans.
- PPO and Material Only Plans
- Annual Eye Exams
Product Descriptions
Material Only Plans: These plans cover the cost of physical items like eyeglasses and contacts, but don't include eye exam coverage.
Vision PPO Plans: These PPO (preferred provider organization) plans offer coverage for eye care services, including routine eye exams, glasses, and contact lenses, within a network of participating providers
- Whole Life Insurance
- Universal Life Insurance
- Term Life Insurance
- Short Term and Long Term Disability
- Long Term Care
- Annuities
Product Descriptions
Term Life Insurance: A low cost plan with terms of 10 to 30 years. This is a great option for those looking to protect specific short-term financial obligations.
Whole Life Insurance: A policy that provides permanent lifetime protection. It also serves as an investment account that earns dividends and can be cashed out. We even have plans available with living benefits.
Universal Life Insurance: A policy that provides permanent lifetime protection but is adjustable. This allows you to increase or decrease the plan's benefits, as well as premium, as your family's needs change. You may even be able to skip some payments by using the plan's built up cash value to pay.
Annuities: A contract between the beneficiary and life insurance company to receive payments over time instead of a lump sum. This can give the beneficiary a stable income stream (rather than a lump sum payment) and may even earn interest.
- Section 125
- Supplemental
- HSA, HRA, FSA
Product Descriptions
Section 125: This employer-sponsored cafeteria plan allows employees to pay for expenses such as medical, dental, or child care with pre-tax dollars.
Supplemental Insurance: These voluntary plans (such as Colonial or Aflac) may cover incidents such as disability, supplemental life, accident, hospital confinement and cancer and critical illness plans. They can help pay for your everyday expenses if you're unable to work.
FSA: A flexible spending account allows employees to automatically deduct pre-tax dollars from their paychecks to pay for qualified medical expenses.
HRA: Health Reimbursement Arrangement plans offer tax-free reimbursement to employees for medical expenses or insurance premiums. Employers may contribute to these plans.
HSA: Health savings accounts are tax advanataged accounts that allow employees to pay for qualified medical expenses. Employers may contribute funds to these HSAs and the accounts may even have investing options for employees.
- Supplemental Plans
- Advantage Plans
- Rx Plans
Product Descriptions
Supplemental Plans: Also known as Medigap, these plans offer increased flexibility to see the providers of your choice and cover some medical costs that standard Medicare does not.
Advantage Plans: These Medicare part C plans are issued by private insurance companies and include standard Medicare (parts A and B) as well as additional benefits.
Rx Plans: Medicare prescription plans allow you to spread out your payment for prescriptions in monthly bills, rather than paying at the pharmacy.
Why Do Employee Benefits Matter?
For employers, offering a robust benefits package can:
- Attract and retain top talent.
- Boost employee satisfaction and productivity.
- Reduce absenteeism and turnover.
- Lower group insurance costs through healthier employee lifestyles.
For employees, these benefit programs provide financial security, support for health and wellness, and a better work-life balance. They ultimately contribute to a more fulfilling professional and personal life. Reach out to us today to see what plans would work best for your workforce.