Health Insurance
& Employee Benefits
With constant changing laws and new mandates bombarding us, health insurance can be a difficult and intimidating topic. Here at Northern Insurance, LTD we give a personal touch to helping you understand your options whether it be for group coverage or for an individual health insurance program. We work hard to make sure you have the best coverage and rates possible, while keeping you compliant with the Affordable Care Act requirements.
Not what you are looking for?
Group Coverage
As an employer finding the right coverage for your employees, while staying ACA compliant, can be a challenge. We have all the tools you’ll need to help you find competitive rates and quality coverages for you and your staff. We work with all the top carriers such as:
• Aetna
• BlueCross BlueShield
• Health Alliance
• Humana
• United Healthcare
We offer both Fully Insured and Level Funded group medial programs.
Our goal is to find the best plan design(s) and rates that work best for your employees and their families. We keep it as personal as possible, working with you every step of the way to make sure all your needs are met.
To round out your employee benefits package, we can assist with providing the following additional coverages:
• Dental
• Vision
• Short Term (and Long Term) Disability
• Life/Accidental Death & Dismemberment
• Life/Accidental Death & Dismemberment
• Voluntary Life/AD&D
• Employee Assistance Programs
• Wellness (Incentive) Programs
To assist with your Medicare eligible employees (for groups under 20 lives), we can provide Group Medicare programs.
Individual Insurance
Not covered through an employer? We can help you obtain individual coverage for yourself and your family. We work with all the top insurance carriers to provide the best coverage to suit your family’s needs at competitive rates.
We can also assist you with obtaining dental and vision coverage as well as Life and Disability Income plans.
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Turning 65 years of age, we take pride in assisting our seniors. We will walk with you through each step of the way. We can guide you in obtaining Original Medical (parts A & B). Once obtained we can help you find a good Medicare Supplement, together with standalone Medicare Part D Prescription plan, or to obtain a Medicare Part C Advantage program.
We are trained, as required by the Center for Medicare and Medicaid Services, and have completed the mandated educational requirements of each of our carriers.
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Short term medical can be very useful for someone who is transitioning from one employer to another or while looking for a new job; and for College Students who are losing school coverage and in a waiting period for their new job.
Short term medical covers an individual and their family for a short period of time in the event they get sick or need to take a trip to the hospital for an emergency. These plans DO NOT cover any pre-existing conditions. These plans provide a wide range of deductible and coinsurance options.
We can help you find the coverage you need to help you get through those times you might be without coverage. Coverage is available for one month up to 364 days.
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International Major Medical coverage is for those traveling out of the country as a student (and student groups), on a business trip or for individuals planning to vacation out-of-the country. We write coverages through GEO Blue and with Peterson International. Coverage can be provided for a single trip or for several trips and destinations.
We are happy to discuss your needs. Please contact Northern’s Benefits Department at 8152546363 and select Option 3.