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Health Insurance

Health insurance provides protection against medical expenses including hospitalization, surgery and physicians' visits. Due to rising health care costs, most employers are choosing managed care plans such as Health Maintenance Organization (HMO), Point-of Service (POS) and Preferred Provider Organization (PPO) plans rather than the traditional indemnity plans. Within these plan styles, you can select from a wide variety of deductible, copay and coinsurance options to tailor your plan design to meet your benefit and budgetary requirements.

There are many types of policies available:

  • Various types of access to Providers (doctors & hospitals)
    • HMOs
    • POSs
    • PPOs
    • HSAs
    • HRAs
    • Drug Coverage
  • Design Services
    • Analysis of cost/benefits based on various scenarios of employer/employee premium co-pays valuing several configurations of plans (HMOs, POSs, PPOs, HSAs, HRAs and Drugs) to provide appropriate levels of comprehensive coverage in light of escalating costs
    • Competitive quotations from carriers
  • Installation
    • Coordination with carriers to enroll employees
  • Education
    • Multiple information distribution channels, coordinated with human resource departments giving employees access to benefits, and internet access for adds, deletes, and changes
  • Administrative Services
    • Adds, deletes, and changes provided by HR&S Financial Services, LLC staff where appropriate
    • Links to company's own Intranet


  • Aetna/US Healthcare
  • AmeriHealth HMO
  • AmeriHealth NJ
  • Blue Cross Blue Shield-PA
  • Blue Cross Blue Shield-NJ
  • Blue Cross Blue Shield-DE
  • Horizon Healthcare-NJ
  • US Life

Choosing the right insurance plan can be a challenge. Let HR&S Financial assist in developing the best benefits package for your employees.

Contact Us

HR&S Financial Services, LLC welcomes your requests, comments, questions, and/or concerns. Simply fill out our contact form.