HEALTH INSURANCE
Before the advent of the Affordable Care Act, if your Employer did not provide an avenue for you to obtain this coverage, it was nearly impossible to obtain quality, affordable Health Insurance.
The ACA was designed to correct this problem by creating standardized coverages, leading to the implementation of the 4-Tier 'Metal' plans as shown in the illustration on the left.
The ACA also made it easier for individuals to purchase Health Insurance, either directly theough a carrier or through a State Authorized Online Marketplace (which also may provide some premium assistance for those who meet certain financial criteria).
Of course, no one plans to get sick or hurt, but most of us will need some sort of medical care at some point in our lives. Major Medical Insurance is offered to help make sure that in the event of an unexpected Injury or Illness, your Doctor, Hospital or Medical Facility is compensated for providing the vital treatment necessary for you or your loved ones.
Your Sheridan Benefits representative is always ready to help you navigate the ever-changing world of Health Insurance and will be happy to meet with you to discuss what the best plan is fo you and your family. They will also assist you in signing up for the Marketplace and make sure you receive any subsidies you are entitled to.
The ACA was designed to correct this problem by creating standardized coverages, leading to the implementation of the 4-Tier 'Metal' plans as shown in the illustration on the left.
The ACA also made it easier for individuals to purchase Health Insurance, either directly theough a carrier or through a State Authorized Online Marketplace (which also may provide some premium assistance for those who meet certain financial criteria).
Of course, no one plans to get sick or hurt, but most of us will need some sort of medical care at some point in our lives. Major Medical Insurance is offered to help make sure that in the event of an unexpected Injury or Illness, your Doctor, Hospital or Medical Facility is compensated for providing the vital treatment necessary for you or your loved ones.
Your Sheridan Benefits representative is always ready to help you navigate the ever-changing world of Health Insurance and will be happy to meet with you to discuss what the best plan is fo you and your family. They will also assist you in signing up for the Marketplace and make sure you receive any subsidies you are entitled to.
YOUR HEALTH INSURANCE OPTIONS
Independent Health began in 1980, the culmination of a University at Buffalo graduate school project that determined the community could benefit from a Health Maintenance Organization (HMO) model that focused on preventive care versus reactive care.
For over 40 years, Independent Health has remained dedicated to improving the health and well-being of our members, employer groups, brokers, and provider partners for all of Western New York.
Today, Independent Health is recognized as an innovative health care plan with more than 1,100 associates serving nearly 380,000 members.
For more information on any of the plans offered through Independent Health, be sure to select the Health Insurance box below and your Sheridan Benefits representative will contact you to review your options.
For over 40 years, Independent Health has remained dedicated to improving the health and well-being of our members, employer groups, brokers, and provider partners for all of Western New York.
Today, Independent Health is recognized as an innovative health care plan with more than 1,100 associates serving nearly 380,000 members.
For more information on any of the plans offered through Independent Health, be sure to select the Health Insurance box below and your Sheridan Benefits representative will contact you to review your options.
Under the terms of the Federal Affordable Care Act, States were given the option to either set up a Marketplace or to allow the Federal Government to set up a Marketplace in their state to allow consumers to Shop, Compare & Enroll in quality, affordable health care plans.
New York State opted to set up NY State of Health as their Official Health Plan Marketplace.
NY State of Health is the only place you can receive financial assistance based on your income, to lower your costs even more.
To see if you qualify for financial assistance through NY State of Health, please select the Health Insurance box below and your Sheridan Benefits representative will contact you to review your options.
New York State opted to set up NY State of Health as their Official Health Plan Marketplace.
NY State of Health is the only place you can receive financial assistance based on your income, to lower your costs even more.
To see if you qualify for financial assistance through NY State of Health, please select the Health Insurance box below and your Sheridan Benefits representative will contact you to review your options.
SUPPLEMENTAL INSURANCE a/k/a VOLUNTARY BENEFITS
However, today more than ever, even the best plans may pay only a portion of the actual costs of this treatment, leaving you to deal with the potential financial burden of Co-Pays, Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages or Final Expenses.
Voluntary Benefits provide a cost-effective way to enhance your medical insurance and help you prepare for life’s unexpected challenges. Paid directly to you, they can be used to pay expenses that other insurance may not cover.
This is why we are pleased to announce that our Health Insurance Broker- Sheridan Benefits, has partnered with FJM & Associates of Buffalo, Inc., a Family-Owned & Operated Insurance and Employee Benefits Broker, to facilitate the introduction of our new Voluntary Benefits Program. They bring with them an offer from Colonial Life (a leader in the Voluntary Benefits industry) which provides Guaranteed Issue Accident, Critical Illness, Hospital Indemnity, Short-Term Disability and Whole Life Insurance.
We encourage all employees to take a few moments to review the programs being offered by selecting one of the images below and clicking through to review policy brochures and information specific to Blu Spa and Salon employees.
For more information on any of the plans offered through Colonial Voluntary Benefits , be sure to select the corresponding boxes below and submit. Your FJM Benefits Advisor will contact you to review your options.
Voluntary Benefits provide a cost-effective way to enhance your medical insurance and help you prepare for life’s unexpected challenges. Paid directly to you, they can be used to pay expenses that other insurance may not cover.
This is why we are pleased to announce that our Health Insurance Broker- Sheridan Benefits, has partnered with FJM & Associates of Buffalo, Inc., a Family-Owned & Operated Insurance and Employee Benefits Broker, to facilitate the introduction of our new Voluntary Benefits Program. They bring with them an offer from Colonial Life (a leader in the Voluntary Benefits industry) which provides Guaranteed Issue Accident, Critical Illness, Hospital Indemnity, Short-Term Disability and Whole Life Insurance.
We encourage all employees to take a few moments to review the programs being offered by selecting one of the images below and clicking through to review policy brochures and information specific to Blu Spa and Salon employees.
For more information on any of the plans offered through Colonial Voluntary Benefits , be sure to select the corresponding boxes below and submit. Your FJM Benefits Advisor will contact you to review your options.
COLONIAL LIFE VOLUNTARY BENEFITS
Select an image below for information on products offered through Colonial Voluntary Benefits
