Many types of Health Insurance are available through Petretti & Associates, Inc. -- from individual medical plans to multi-national large employer group plans, with many in between. P&A does not believe in one-size fits all. Whether you are one person looking for coverage, or a very large employer with thousands of employees, we can design, or help you design, a health plan that is tailored to your specific needs, circumstances, and budget. This can be a fully insured plan, completely self-funded plan, or some combination of the two. Our plans can also be designed to offer special Preferred Provider networks, Exclusive Provider networks, or can be a traditional plan where you can see any provider anywhere. The plans can also be a blend of these networks. Here are some examples of the many solutions to your health care coverage needs we can provide. Short Term Medical Short Term Medical insurance is designed for people who are between permanent health plans. Going without health insurance, even for a short time, puts you at financial risk. This insurance is ideal for people who are between jobs, waiting for employer group coverage, recent college graduates, or anyone else who is experiencing a gap in coverage. Short Term Medical insurance is also often a good, affordable alternative to COBRA coverage. If you find COBRA too expensive, and are in generally good health, Short Term Medical insurance could be the right choice for you. We offer Short Term Medical insurance from Assurant Health (formerly known as Fortis Health), a national leader in Short Term Medical insurance. This temporary health insurance has many valuable features and is available in plans ranging from 30 to 180 days (varies by state**).   · Coverage can start as early as tomorrow, if you apply for coverage online*. · You can obtain insurance for the exact number of days coverage is needed - other carriers require you to obtain pre-set coverage lengths. · You have the freedom to choose your own doctors and hospitals. · Prescription drug coverage is included for covered expenses. There is no additional fee. · Up to $2 million coverage maximum for each covered person. · Flexible payment options - make a single payment or monthly payments. · Coverage continues beyond the policy period for up to 12 months if you are hospitalized -- at no additional cost · A $1000 extension of benefit beyond the policy period for up to 60 days for a non-disabling condition -- at no additinoal cost. · Coverage available for persons up to age 64 and 11 months. You can get a quote and apply for coverage online*, or we can send you an application brochure. To request a Short Term Medical application brochure, or ask any questions about Short Term Medical insurance, please Contact Us. * Coverage is available via online application through Petretti & Associates, Inc. only for current residents of Arkansas, Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Virginia, West Virginia and Wisconsin. If you live in another state please Contact Us directly to apply for coverage. ** Plan benefits and features vary from state to state. Get a quote online to see what is available in your area. Health Savings Accounts Health Savings Accounts (HSA) allow you to save premium, reduce taxes, and build tax-favored savings. An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses. The money deposited, as well as the earnings, are not taxable. The funds can then be withdrawn to cover qualified medical expenses tax-free. (Qualified medical expenses include eyeglasses, braces and long term care insurance premiums.) Unused balances roll over from year to year. Anyone with a qualified high deductible insurance plan is eligible for a tax-deductible HSA. A high deductible insurance plan is a health plan with a minimum deductible of $1,200 for self-only coverage and $2,400 for family coverage. The maximum out-of-pocket expenses for allowed costs must be no more than $5,940 for self-only coverage and no more than $11,900 for family. View the Time Insurance Health Savings Account presentation. This is presented in Shockwave Flash format and is best viewed by a higher speed internet connection, such as a cable modem or DSL. If you are on a 56k dial-up connection it will take approximately 10 minutes to load. Contact Us to request additional information about Health Savings Accounts or to receive the Time Insurance HSA Presentation on CD. Copyright 2011 - Petretti & Associates, Inc.