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Flood Insurance Offers a tremendous value and peace of mind

For the most part, flood insurance is inexpensive.    A policy for a property outside a flood zone, averages around $450 per year.  ( Visit our website http://www.getagreatquote.com/research-center/flood-insurance for rates).   Since we live on the Gulf Coast, it is not a matter of "IF" another storm will hit but rather, "WHEN" a storm will occur so a flood policy is a great value and worth the peace of mind.
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What? We need to start Preparing for Hurricane Season Already?

We hope we never see another disaster like Harvey again.   Many of our Family, Friends, Clients in our community lost everything.  Flash floods are the most common natural disaster in Texas. Most home and commercial policies do not cover flood damage. You'll need a separate flood policy, usually from the National Flood Insurance Program (NFIP). These flood insurance policies typically have a 30-day waiting period before coverage takes effect.

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Making Healthcare Affordable Again!

Our practice has worked with clients for the past 30 years, providing viable solutions for financing their healthcare cost through risk transfer (insurance), Discounted medical services and general advocacy. We have been working with a local Physician Patient Cooperative that is working to help solve the healthcare crisis in our country. A Physician Patient Cooperative is a group of medical providers that form an association for the purposes of providing medical care to the members that participate. As long as you receive direct medical care from a PPC provider, there is little, if any additional cost, other than the membership fee. This works for Doctors, Labs, Imaging and other basic services. When combing the PPC with a catastrophic hospitalization plan, we are able to offer our clients an affordable alternative for healthcare that was not previously available to them.   The cost for the PPC is $109 / month and with a limited Hospital plan, the monthly cost can be as low as $179 / month. If you would like to see if the PPC is a viable option for you individually or your company, call Crystal Calaway at 281-448-3040 or click here
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Got the Message?

This was the head line on the first page of the Houston Chronicle (click here for the full article). "Got the message?  Buy flood insurance", written by Mihir Zaveri in the April 11th 2018 edition.    Harris county is planning a massive billboard campaign, aimed at making Houston and surrounding area residents aware of the need for flood insurance.    Hurricane Harvey, devastated our city and 83% of the 1.4 million buildings lacked flood insurance, according to Zaveri.
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Do you think your teen would use an app that offers a chance to win gift cards if they avoid using their phone while driving?

Do you think your teen would use an app that offers a chance to win gift cards if they avoid using their phone while driving? It's called  TrueMotion Mojo, an app that can help and it's free. I've used it and it's actually kind of fun.
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UNDERSTANDING HOME REPLACEMENT COST

Our clients often ask us to explain the difference between the replacement cost and the market value of a home.

The answer is often much different than people think.

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Breaking News! Changes is Law allow small employers to reimburse employees for Individual Insurance Plans using a HRA.

  In the past, only traditional Group Insurance Plans qualified for pre-tax savings.   However, changes in the health insurance law are now allowing employers to provide a tax savings plan for their employees that have individual health insurance coverage.  As an employer with less than 50 full time employees, group healthcare may not be an affordable option; however, providing healthcare expense relief to your employees at a tax savings is a great option to explore.   The plans will allow premiums for individual insurance to be made before taxes are calculated.   This will reduce the payroll tax burden for the employer and employee - therefore, this is a win-win! With a Qualified Small Employer HRA, you enjoy the flexibility of choosing the plan option that best works for you. Want expenses reimbursed? Want to allocate a set amount for qualified expenses? Choose from three types of plans: Insurance premium reimbursement only: Allows an employer elected doll ...
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Coupon for Tamiflu is here.

Tamilflu and Generic “Oseltamivir” has released a coupon via Good RX
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Medicare Premiums Increase for Many Retirees in 2018

 

Most of the Social Security cost-of-living adjustment will be used to pay for higher Medicare Part B premiums.  The standard Medicare Part B monthly premium will be $134 in 2018, the same amount as in 2017. But many retirees who have been paying less than the standard rate for the past several years will see a jump in their premiums. Here's a look at how much you can expect to pay for Medicare Part B premiums in 2018.


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Group Health Insurance Plans

Shopping for group health insurance?  ABM Insurance & Benefits offers many different plans for your company.  Contact us today for your free quote. 281-448-3040.

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