Our Offerings
Health Maintenance Organization (HMO) Plans
HMO means “Health Maintenance Organization.” HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. With an HMO you’ll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. As a member of an HMO, you’ll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you’ll need to obtain a referral from your PCP.
Though there are many variations, HMO plans typically enable members to have lower out-of-pocket healthcare expenses.
Preferred Provider Organization (PPO) Plans
A Preferred Provider Organization or PPO is also a network of healthcare providers who provide its members with multiple choices regarding healthcare and healthcare providers(doctors, specialists, hospitals etc). PPOs do not restrict patients to receiving care in-network. It’s optional to designate a PCP
Point of Service (POS) Plans
A point-of-service plan (POS) is a type of managed care plan that is a hybrid of HMO and PPO plans. Like an HMO, participants designate an in-network physician to be their primary care provider. But like a PPO, patients may go outside of the provider network for health care services. When patients venture out of the network, they’ll have to pay most of the cost or higher out of pocket expenses, unless the primary care provider has made a referral to the out-of-network provider. Then the medical plan will pick up the tab.
Health Savings Account (HSA) Plans
A Health Savings Account (HSA) is a tax-advantaged account to help people save for medical expenses that high-deductible health plans don’t cover. An HSA, owned by an employee, can be funded by the employee and the employer. The contributions are invested over time and can be used to pay for qualified medical expenses.Account balances are rolled over from year to year.
We offer these group dental plans to your employees:
- Dental Maintenance Organization (DMO)
- Preferred Provider Organization (PPO)
- Participating Dental Network (PDN)
- Dental Indemnity Plans
Vision insurance – a clear choice
Unfortunately, blindness and other types of vision impairment are a common disability in the United States. Many factors, especially age, can have an impact on a person’s vision. Regular visits to an optometrist are crucial to maintaining healthy vision. To help reduce employer and employee costs for vision care, AIS provides access to low cost, comprehensive vision insurance plans. Vision insurance plans make a great supplement to any employer healthcare benefits package as the premiums are very affordable.
AIS’ vision insurance plans offer many benefits including:
- A comprehensive eye health exam every year with low copayment
- Savings on new eyewear – get the latest styles!
- Choose your own optometrist or select one from our network
- Savings on replacement glasses and frames
- Special deals for contact lenses
- Discounts for Lasik eye surgery
- Excellent administrative support
- A wide variety of coverage plans to select from
AIS provides employers with the following types of life insurance for their employees
- Term life insurance
Term Life Insurance is the most basic form of employer paid life insurance. It’s inexpensive and easy to get – no medical exams or questionnaires are required. Term life insurance pays a death benefit only. - Whole life insurance
Whole life insurance policies have the potential to earn dividends, adding to the value of the policy while the insured is still living and increasing the death benefit for their beneficiaries. Whole life insurance is more expensive than term life insurance, because it covers the policy holders for the rest of their life. - Universal life insurance
Universal life insurance plans offer you and your employees the flexibility to adjust premiums and death benefits.
A Universal life insurance plan includes features like guaranteed protection and cash value accumulation. - Variable universal life (VUL) insurance
A variable universal life insurance plan gives its holders the flexibility to adjust their policy according to their needs. With a VUL policy you and your employees can invest the funds into stocks and bonds, growing the value of the plan while you are alive and providing increased death benefit to beneficiaries.
A quality life insurance policy will enable you to continue to care for your loved ones even after you’re gone. AIS wants to make sure you get the most beneficial life insurance plans for yourself and your employees. Contact us to schedule a consultation with one of our representatives. As an independent insurance agency, we can offer you the widest selection of plans at competitive prices. We make it easy for you and your employees to guarantee the financial security of your beneficiaries after you’re gone.
- A 401(k) plan is a company-sponsored retirement account that employees can contribute to. Employers may also make matching contributions.
- There are two basic types of 401(k)s—traditional and Roth—which differ primarily in how they’re taxed.
- In a traditional 401(k), employee contributions reduce their income taxes for the year they are made, but their withdrawals are taxed. With a Roth, employees make contributions with post-tax income, but can make withdrawals tax-free.
- International students
- Business travelers
- Green Card Holders & Immigrants
- Visa holdersRelatives visiting family members in the U.S.
- Tourists
Please visit www.visitorguru.com for more information.
- There are two types of CGL policies—a claims-made policy that covers claims regardless of when the event took place, and an occurrence policy where the event must take place during a set period.
- Companies can add other companies they contract with to their commercial liability insurance policy as an “additional insured.”
Workers’ compensation can cover the cost of:
- Ambulance rides, emergency room bills, and other employee medical emergencies
- Medications, physical therapy, and other ongoing costs
- Part of the wages lost while an employee is recovering
- Legal expenses if an employee sues your business over the injury or illness
EPLI protects companies accused of:
- Discrimination
- Wrongful hiring / firing decisions
- Mismanagement of benefits
- Breach of employment contract
- Privacy invasion
- Sexual harassment
- Workplace harassment