NJ Employee Health Insurance Agent

Most small businesses offering their employees Group Health insurance plans
contribute towards the cost of the coverage. Some pay for all of the employees'
premiums (for single coverage) and have the employees pay the premium if they
need coverage for their families. Other small businesses pay a percentage of the
total health insurance premium cost.

American Insurance Services Agency has been assisting New Jersey businesses
with their employee benefit health insurance needs since 1976. We have created
strong relationships with many of the finest insurance carriers, while maintaining
our primary focus of serving the employer's needs.

As the cost of health care continues to increase at a rate much faster than
inflation, many large employers and small businesses in New Jersey choose to
have their employees make a contribution towards the cost of health insurance
coverage.

Managed Care vs. Fee-for Service

The health insurance plan that works best for your
business is determined primarily by your location, the
physicians and hospitals available through the health
insurance plan, options offered by each insurance plan,
and what your budget can accept.

We also offer affordable employee health insurance plan services to businesses located
in the following New Jersey counties and cities: Union County, Essex County, Bergen
County, Passaic County, Sussex County, Morris County, Warren County, Hunterdon
County, Somerset County, Middlesex County, Monmouth County, Mercer County,
Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway, Colonia, Iselin,
Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North
Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville,
Piscataway, Edison, New Brunswick, Highland Park, North Brunswick, Sayreville, East
Brunswick, Somerset, Milltown, South River, Bound Brook, Somerville, Bridgewater,
Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New York,
Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus, Fairview, Ridgefield, Fort
Lee, Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck,
Paramus, Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield,
Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford,
Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great Notch,
North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge,
Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East Orange, East
Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne,
Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.

"Your Local New Jersey Employee Health Insurance Agent!"

Employee benefits are an important factor to any
business in hiring and retaining a good work force. We
can provide assistance to your benefit administrator in
answering employees questions and requests pertaining
to health insurance for groups of 20 or more. Every
business needs to review periodically their employee
benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group
health insurance.

Click on the link below to fill out a quote request form
for an employee benefit health insurance plan that
regardless of whether you're a large employer or a
small business, will provide first class health insurance
coverage at an affordable cost for your New Jersey
businesses most important assets, your employees. Or
speak with our Group Employee Health Insurance
Agent specialist at 732-680-4444 to discuss the
features.

PPO Plan Features (Group Employee Health Insurance - NJ)

PPO Insurance Plan (Group Employee Health Insurance - NJ)

A PPO group health insurance plan is recommended for New Jersey small businesses
wanting to offer their employees convenient access to quality medical care with
effective medical management, a large and diverse network of primary care physicians,
medical specialists, hospitals and clinics.

An employee can see any health care professional in the network any time they choose
to make an appointment. They don't need referrals for specialists or other services as
required in an HMO. An employee can see doctors or specialists outside your PPO
network, however, your employees portion of the costs will be higher.

An employee may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 per doctor visit, regardless of what the services cost.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a PPO health insurance plan.

Click on the link below to fill out a quote request form for a PPO group employee
health insurance plan that regardless of whether you're a large employer or a small
business, will provide first class health insurance coverage at an affordable cost for
your New Jersey businesses most important assets, your employees. Or speak with
our Group Health Insurance Agent specialist at 732-680-4444 to discuss the features.

HMO Insurance Plan (Group Employee Health Insurance - NJ)

An HMO group health insurance plan helps your New Jersey business control health
care costs through a closely managed plan with an emphasis on preventive care. Each
employee selects a Primary Care Physician from a network of providers. The
Primary Care Physician can coordinate the total care of the employee to help ensure
appropriate care is received. An employee may also seek care from any provider in
the network without a Primary Care Physician referral, subject to a higher out-of-
pocket expense.

Subscribers to an HMO receive medical services from participating physicians, clinics
and hospitals. An employee chooses a primary care physician from a list of
participating doctors. That doctor is used for typical circumstances such as annual
exams and usual health issues. If the employee needs to see a specialist, be
hospitalized, or have lab or X ray work, their doctor will refer them to a provider or
facility within the HMO system. Your employees doctor must give authorization for
those services to be covered by your HMO. In other words, an employee must see
HMO approved physicians and use HMO approved facilities or pay the entire cost of
the visit themselves.

Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for
lower fees with a network of health care providers and give their policyholders a
financial incentive to stay within that network.

An employee may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 per doctor visit, regardless of what the services cost. Also,
some services such as emergency room, mental health and chemical dependency
services, may carry additional costs in an HMO health maintenance plan.

Click on the link below to fill out a quote request form for an HMO group employee
health insurance plan that regardless of whether you're a large employer or a small
business, will provide first class health insurance coverage at an affordable cost for
your New Jersey businesses most important assets, your employees. Or speak with
our Group Health Insurance Agent specialist at 732-680-4444 to discuss the features.

POS Plan Features (Group Employee Health Insurance - NJ)

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Insurance Plan (Group Employee Health Insurance - NJ)

A POS or Point-of-Service group health insurance plan allows your New Jersey
employees the option of accessing any medical provider without a primary care
physician referral and receive the highest benefit level. Similar to an HMO, a POS
stresses preventive care and offers closely managed benefits. A POS health
insurance plan also pays benefits for out-of-network care, but at a lower level than
for in-network care.

Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the
policy. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a POS health insurance plan.

Click on the link below to fill out a quote request form for a POS group employee
health insurance plan that regardless of whether you're a large employer or a small
business, will provide first class health insurance coverage at an affordable cost for
your New Jersey businesses most important assets, your employees. Or speak with
our Group Health Insurance Agent specialist at 732-680-4444 to discuss the
features.

Fee-for-Service (New Jersey Group Employee Health Insurance)

Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and Customary
costs and you're responsible for paying the other 20%, which is known as co
insurance. If the insurance company charges more than the Usual and Customary
rates, you will need to pay both the co-insurance and the difference.

Fee-for-Service group health insurance allows your employee to choose their
doctor and any hospital for their medical services. Usually, an employee will have
a deductible such as $500 or more to pay each year before the insurer starts
paying. The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.

Fee-for-Service health insurance coverages for New Jersey employer sponsored
employee benefits typically offer the following:

* Employers and employees share premiums

* Employees have the freedom to choose any provider

* Insurance company pays the allowable claim

Fee-for-Service plans also offer some Managed Care type of insurance options that
can assist your New Jersey small business in reducing employee benefit costs.

* Case Management

* Second Surgical Opinion

* Pre-admission Certification

* Special Benefit Networks

Fee-for-Service employee health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care health plans, such as HMO, PPO, and POS. Fee-
for-Service employee health insurance may not pay for some preventive care, such
as check-ups, and is usually a more expensive health insurance coverage than
utilizing an HMO, PPO, or POS plan.

Click on the link below to fill out a quote request form for a Fee-for-Service group
health insurance plan that regardless of whether you're a large employer or a small
business, will provide first class health insurance coverage at an affordable cost for
your New Jersey businesses most important assets, your employees. Or speak with
our Group Health Insurance Agent specialist at 732-680-4444 to discuss the
features.

Section 125 Services - Premium Only Plan

If your employees pay a portion of their group insurance premiums, there's a way to
increase their take-home pay and reduce your payroll taxes at the same time. Section
125 of the Internal Revenue Code allows your New Jersey business to pay less
(FICA) taxes while reducing the amount your employees pay in federal taxes.

Establishing a Premium Only Plan for your employees allows for their group
insurance premium contributions to be automatically deducted from their salaries
before taxes are taken out. An employees taxable income is reduced by the group
insurance premium amount contributed, so your employee pays less in federal
taxes, and has more take-home pay.

Your business therefore pays less social security (FICA) payroll taxes because
your employees pretax income was lowered through the Premium Only Plan.
(For applicable state legislation, consult your business tax advisor.)

Click on the link below to fill out our contact form so we can provide you with
additional information on how Section 125 Plans can save both your small
business and your employees money. Or contact us at 732-680-4444 to discuss
the features.

New Jersey Employee Health Insurance

Section 125 Service:

New Jersey Group Employee Health Insurance Information

Managed Care:

Fee-for-Service:

Learn more about the types of Group Employee
Health Insurance Plans we can offer your business
by clicking on a link below!

HMO

PPO

POS

Major Medical

Premium Only

* Convenient access to quality medical care for employees