JIM POSEY INSURANCE SERVICES

INDIVIDUAL / FAMILY

GROUP

Individual and family health insurance is a type of coverage that is made available to individuals and families, rather than to employer groups or organizations. We are pleased to offer a variety of health plan options to meet the needs of you and your family. With a variety of deductible and coinsurance alternatives, you are sure to find a plan that fits your budget.

Group health insurance is a type of coverage that is only available to employer groups or organizations. We offer a variety of small group health plan options, with a choice of deductibles, copays, coinsurance levels, coinsurance maximums and optional riders. The flexibility of the plans make it possible for you to design a healthcare plan that will fit your business while helping you control costs.

SHORT TERM

HSA (Group and Individual)

Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. It is a low-cost option for your temporary needs and may also be a low-cost alternative to COBRA.

ASSURANT QUOTE

HSA stands for "Health Savings Account," and is a tax-favored savings account that is used in conjunction with a high-deductible HSA-eligible health insurance plan, to make healthcare more affordable and to save for retirement. Funds in the HSA may be invested at your discretion. Unused funds remain in the account and accrue interest year-to-year, tax-free. Like an IRA, the account belongs to you, not your employer. But unlike an IRA, your employer can contribute to your HSA.

ASSURANT QUOTE

COLLEGE STUDENT	INTERNATIONAL
Renewable, individual health insurance for college students. A plan for those who attend school outside their current PPO region, are no longer eligible for coverage under their parents' health plan, or find their current coverage too expensive. The college or university may even require coverage but their college-sponsored plan is inadequate.	International travel can quickly turn frightening if you're not prepared for a medical emergency. Traditional health plans may offer adequate domestic coverage, but not be designed for international travel. This type of policy will provide peace of mind for you and your family while away from home.