Giving you the Health Insurance Information you need to make an informed decision and chossing the right plan for you and your family:

• Life Insurance
• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)
• Point of Service Plan (POS)
• Frequently Asked Questions

What is Health Insurance?

Health insurance is one of the most important benefits that employers can provide for their employees. Employers that sponsor group health plans enable their employees and their families to take care of their essential medical needs, ensuring that they can devote their energies to productive work. Because of the critical importance of good health, employer-sponsored group health insurance programs benefit employees, employers, and society as a whole.

Most group health plans sponsored by employers must comply with the Employee Retirement Income Security Act of 1974 (ERISA), a Federal law that sets standards to protect employee benefits. One of the protections contained in ERISA is the right to COBRA continuation coverage, a temporary continuation of group health coverage that would otherwise be lost due to life events like termination of employment, death of an employee, and divorce.