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Creative Solutions to Overcome One of the Biggest
Problems of the Self Employed: Affordable Health
Insurance

Over the past several years, it’s become a troublesome problem for small businesses, freelancers, and entrepreneurs. According to statistics:

60% of people without health insurance are people that have full time jobs

3.5 million Uninsured people work full time and earn over $75,000 a year

18% feel that they are “invincible”

The rest worry that at any moment, something a medical emergency could
smash their financial future.

Are you one of them?

NC Health Insurance agency IBD Insurance speaks out about little known, creative health care packages that make insurance not only possible, but affordable for you.

Group Plans

Did you know that even a single person business can quality for a group health plan? Group health care plans are often much more affordable than individual plans. Having a group health care plan also affords you the opportunity to grow your business and offer employees an incentive for joining your company. It’s even possible to cover 1099 employees under a group health care plan in some cases. In order to qualify, you must be incorporated or an LLC and prove that your business is profitable.

Health Care Spending Accounts (HSA’s)

Many people have never heard of HSA’s and if they have are under the impression that this type of health care package option is only available to the wealthy and healthy. Not true. An HSA is a tax-sheltered trust account that you own for the purpose of paying for qualified medical expenses for yourself and your family. With an HSA, you make voluntary, tax free contributions and make tax-free withdraws for any qualified medical expenditure. Because of the lower premiums and tax savings, you’ll likely pay less with an HSA than with a traditional individual health care plan. For more information on HSA's, visit http://www.opm.gov/hsa/faq.asp.

Benefits Carving

Some states allow you the opportunity to literally ‘carve out’ benefits from typical health care packages as a way to lower monthly premiums. For example, you create a plan that allows you 2 doctor visits per year for a low cost co-pay and agree to pay the full amount for any visits beyond your allotted amount. Any number of creative mix and match options are available to arrive at a premium that is right for you.

Affordable Health Care is a Reality with a Creative Plan

“Health care plans are starting to become more creative,” says Andrea Hunnicutt Grater, insurance agent for IBD. “We constantly work with individuals and small businesses to custom-design packages that fit their budgets and their needs. It’s a misconception that people need to go without because of high costs.”

Creative Solutions to Overcome One of the Biggest Problems of the Self Employed: Affordable Health - PDF

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Health Insurance:

Blue Advantage® [?]
Blue Advantage is a PPO plan that combines the cost savings of managed care plans with the freedom of traditional plans to choose any doctor.

Blue Options HSA^SM [?]
Blue Options HSA is a high deductible health plan that can be paired with a tax-preferred Health Savings Account

Short Term^SM [?]
Health insurance for individuals and families in times of transition and change for up to a maximum of six months

Medicare:

Medicare Supplemental [?]
Supplemental health care coverage for Medicare beneficiaries enrolled in both Medicare Parts A and B

Medicare Advantage [?]
A Medicare health plan that can combine health benefits and Medicare Prescription Drug coverage all in one

Additional Products:

Dental Insurance [?]
Quality coverage available to individuals and families with no network requirements and preventive services covered at 100%

Life Insurance [?]
Low cost term life insurance available from a wide selection of the industry’s most trusted companies

IBD Insurance Services, Inc.
3724 National Drive, Suite 110, Raleigh, NC 27612
Phone: 800 615-5980
FAX: 919 510-8876
http://www.ibdinsurance.com

ibd Insurance Services, Inc. of NC is an independent authorized BCBSNC producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by ibd Insurance Services, Inc. of NC. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.

® Registered mark of the Blue Cross and Blue Shield Association, ^SM Service mark of the Blue Cross and Blue Shield Association

Creative Solutions to Overcome One of the BiggestProblems of the Self Employed: Affordable HealthInsurance