Medical Insurance is a contract between the policy holder and an insurance carrier. Plans can either reimburse the member for medical expenses, or pay reimbursement directly to the provider. Coverage is usually obtained from either Private Insurance carriers or Government Sponsored Plans such as Medicare. Plans can be purchased on an individual or group basis. The payments or premiums are made monthly to the carrier.

Medical insurance is one of the most important insurance purchases one can make. Understanding the various plans, networks, and providers can be confusing.

At United Benefit Solutions we believe it is our duty to educate, and serve the client by going beyond traditional methods of customer service. We proactively keep our clients informed and up to date with all aspects of the industry. We are dedicated to finding the best plan combination of coverage, service, and pricing in the insurance industry.

This is a current list of some of the medical products and services offered by United Benefit Solutions. Fully insured or Self Funded programs are available. (Note: UBS is licensed in almost 30 states.)

Plans and Services:

Indemnity/traditional Health Plan
Point of Service Plan (POS)
Health Maintenance Organization (HMO)
Preferred Provider Organization (PPO)
Exclusive Provider Organization (EPO)
Health Savings Account (HSA)
Cost Sharing Policies
Travel Insurance
Mini Medical Policies
Catastrophic Health Insurance
Temporary Health Insurance
State Funded health plans (Health NY)
Limited Benefit policies for start up companies (Smart Start)
Medicare Supplements
High Deductible health plans (HDHP)
Flexible Spending Accounts (FSA)
Health Reimbursement Account (HRA)
Hospitalization only

Who is eligible:

-Individuals
-Self employed
-Groups of 1 and above
-Small and large employers