The one thing that has been constant in health insurance is change. First we had deductibles, then HMO's with small co-pays and no deductibles, now back to deductibles.
With very few carriers to choose from, increasing insurance costs, and economic uncertainty, now more than ever you need a broker that will help you consider All options.
Every year Stratton & Associates will assist you and your employees by considering options like Fully Insured, PPO's, EPO's. We're excited to have partnered with a company that will allow us to build your plan with options that will directly affect your rates, and that is by lowering your employees' claims. Using data, your plan can be customized to make the most of your premium dollars. Nobody in NW PA is using this insurance model. Plus, you'll have access to national provider networks like Aetna and Cigna. Plans can be tailored to fit companies with 25 employees and up. We also offer traditional plans for companies with 2+ employees. Carriers represented: Aetna, Highmark BC/BS, UPMC, United Healthcare
Individual Health Insurance
If you're self employed, or your employer doesn't provide you with health insurance, that doesn't mean you're without options. If you don't have many employees, you can still assist them in purchasing individual plans where you, the employer, can assist them in premium costs as well as claims
Plan design for the individual is paramount. Since you're the one paying for your coverage, you don't want to pay for benefits you won't use, while making sure you're taken care of in the case of an illness or accident.
Carriers represented: Highmark BC/BS, and UPMC
Medicare Supplements & Medicare Advantage Plans
Seniors are inundated with mailings and packets from insurance companies when they're close to turning 65, or during the end of year Annual Enrollment Period, form October 15 - December 7. In case you want to make a change, you can do so during the first three months of the year.
Whether you're already on Medicare or if you're in the Open Enrollment Period and new to Medicare, then you have numerous options. Stratton & Associates has a large number of carriers and plans to consider, depending specifically on how you use healthcare.
Stratton & Associates is all about providing choices, and that way you or your loved ones will be matched with the best plan available. These choices might include access to any Medicare Provider in the country that accepts Medicare, and other Medicare Health Plans might have $0 premiums, and include prescription drug coverage, and other things like dental and vision benefits.