Medical
Health care coverage is often expensive and difficult to evaluate. Cost containment is the number one priority for many of our clients. At Hover Insurance Services we recommend plans that offer a wide range of cost containment features without compromising the quality of coverage and service of the plan. We look at the whole spectrum of health management approaches and recommend those appropriate for your organization, whether a PPO, HMO, or POS dual-option plan.

Group Medical Insurance plan considerations:

• Cost/benefit analysis
• Cost containment approach
• Quality of client services
• Claims turn-around
• Treatment of pre-existing conditions
• Limitations and exclusions
• Alternative funding

Dental
Employees readily use and appreciate a dental plan. The marketplace offers many different plan arrangements including PPO's and DMO's. At Hover Insurance Services we continually evaluate the dental plan marketplace to determine the appropriateness of the programs for our clients.

Dental plan considerations include:

• Cost/benefit analysis
• Evaluating UCR determinations
• Claims turnaround
• Cost containment approaches
• Limitations and exclusions
• Alternative funding

Long Term Disability (LTD) & Short Term Disability (STD)
Disability coverage is an important part of any well-rounded benefit plan. The effects of a long term disability can be devastating to the employee and employer alike. A well-conceived LTD plan will lessen the financial stress on your company, the employee and his/her family. An insurance company's rehabilitation capability is vitally important in the return-to-work process. Hover Insurance Services recommends carriers that have this goal in mind.

Disability plan considerations include:

• Return to work incentives
• Integration methods
• Rehabilitation services
• Definition of disability
• Limitations and exclusions
• Tax implications  
• Coordination with existing benefit plans