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LTCC is a trademark of Long Term Consumer Care, Inc. / Consumer Benefits Health & Dental.  All other products mentioned are registered trademarks of their respective  companies.

More health insurance choices. More flexibility. More for you and your family.

We offer a number of quality, affordable health care plans for families and individuals under age 64 through Golden Rule Insurance Company, Assurant Health and Celtic Insurance Company.

With a Copay plan, you spend a copay to use Preferred Network doctors for office visits. After that, we pay 100% of history and exam fees. 

Preventive Care office visits are covered the same as other doctor office visits with copay benefits. Plus, most plans have Prescription drug card benefits. And inpatient and outpatient medical expenses are covered up to a $3 million lifetime maximum benefit per covered individual. 

A Copay Plan may be right for you if you:

• Prefer the convenience of copay benefits for routine health care expenses.
• Have young children with regularly scheduled doctor office visits.
• Want copay benefits for preventive care and prescription drugs.

HSA Plans include two components: a lower cost, high deductible health insurance plan and a tax-favored savings account. and HSA is very much like a traditional IRA with the added bonus that you can take money out for qualified medical expenses at any time without ever paying income taxes.

The money you save on premiums with your high deductible plan can be put into your tax-favored savings account (HSA). You can withdraw the money to help pay your deductible or other qualified health care expenses. Once your deductible is met, the health insurance plan starts paying for covered expenses. 

The best part: Your unspent savings roll over year after year and the account keeps growing. 

An HSA Plan may be right for you if you want:

• More control over how your health care dollars are spent.
• One annual deductible per family.
• To save money on monthly premiums and taxes.
• Keep the unused HSA account balance and save it for retirement.

With high deductible plans you get to keep more of your money by taking responsibility for covering minor or routine health care expenses - if they come up. The higher the deductible, the lower your premium. 

A High Deductible Plan may be right for you if you are:

• Willing to pay for routine health care expenses in exchange for lower premiums.
• Wanting lower cost protection from unexpected accidents and illnesses.
• An early retiree needing a bridge to Medicare.

Health Insurance By: Assurant Health, Time Insurance Company, Golden Rule, United HealthCare, Celtic Insurance Company and Standard Security Life Insurance Company of NY.

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