Health Insurance

This is our flagship line.

We have seen the burden and advantages of providing Health insurance to employees.

INgin-IS uses all of our influence and expertise to bring the overall costs and expenses down for employers and employees.

In fact, we have a system that covers individuals from the 1st dollar, manages deductions, and reduces the overall cost to employers.

Putting that revenue back in the company.

Contact us today to see how our current clients are benefiting from our method, and how you can to!

Below are topic items of interest as well.

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What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

1. Fee-for-Service
   These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
    
2. Managed Care
   More than half of all Americans have some kind of managed-care plan¹. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

What is group health insurance?

Group health insurance is a single policy issued to a group of people, offering uniform healthcare benefits to all members. In most cases, these policies are purchased by employers and offered to eligible employees and their families as part of an employee benefits package. Enrolling in group health insurance generally costs participants less than what they would pay for an individual healthcare policy for two main reasons:

1. The risk is spread over the whole group, as opposed to just one individual.
2. Many employers pay a portion of employees’ premiums.

What are the benefits of group health insurance?

For employees, the benefits of group health insurance include the reduced price of healthcare and the ease of enrolling through their employer. For employers, the benefits range from attracting quality workers to the tax credits they can receive.

Is your business required to purchase group health insurance?

Large businesses with 50 or more employees are now required to offer group health insurance under the Affordable Care Act. Small businesses with fewer than 50 employees are not required to offer coverage, but they can qualify for tax credits to help offset the cost if they choose to offer healthcare and pay for at least half of each employee’s premium.

Contact us today for more information about group health insurance.

Why are employee benefits important?

Comprehensive benefit packages are attractive to job seekers, particularly if benefits extend to their families. Offering a competitive benefit package can give you the edge you need to hire and maintain a quality, dedicated staff.

What types of employee benefits are available?

Medical benefits

• Healthcare
• Dental
• Vision
• Workers’ compensation
• Flexible spending account

Life, accident insurance and disability plans

• Basic and supplemental life
• Disability