Category Archives: Affordable Care Act (ACA, Obamacare)

Group Health Insurance

Group Health Insurance

Health Insurance for You and Your Employees

We do the work for you. All we ask from you is a complete census of your employees and some basic information. We discuss your needs, obtain quotes from a variety of providers, and make a recommendation for your company to best meet your needs at the highest possible value. We write business in Ohio, Pennsylvania and West Virginia.

We won’t ask for your business unless we can get you better coverage at a lower cost. If we meet that criteria, we’ll even come out and conduct a meeting with your employees to explain the coverage and get them signed up. That saves you valuable time in the long run, as your employees understand their new programs. Each employee receives a business card so they can call us with questions (instead of pestering you), and there are no costly delays due to incomplete paperwork. You’ll spend less time trying to track down employees who “haven’t gotten around to” filling out their forms yet.

Any of our health insurance programs can be bundled with a full array of ancillary benefits. We can customize a complete benefits package based on your specifics..

Group Health

Chu & Associates offers a full range of health insurance products from local, regional, and national carriers. Products are available, both on and off the Marketplace (“Obamacare”). Ask us about the potential tax benefits of the group plans through the Marketplace.

Self Funded Health

Self funded health insurance is an increasingly attractive option for many businesses. A business can essentially cover its employees for day to day usage and costs, while protecting against catastrophic losses via a carrier; all at a reduced monthly premium cost.

Wellness Programs

Wellness programs offer a win/win scenario for your business! A healthier employee base results in lower usage costs through the insurance, as well as less lost work time. Good company outcomes may qualify you for lower premiums too.

Personal Health Insurance

Individual Health Insurance

Chu & Associates is your one-stop full service insurance agency. We cover everything from your health to your “stuff” with equal aplomb. Call us for a no-obligation insurance audit. We’ll assess your current insurance programs to ensure that you are insured correctly and we’ll check the competition for better coverage at rates that are equal to or even lower than what you currently pay. If we can’t beat your current program, we’ll tell you that as well. None of the information that we collect throughout the quoting process will EVER be sold or used for any other purpose. We want you to be confident that the coverage you buy is the best value for you, whether it is purchased through us or another agent.

“Obamacare” (ACA) through the “Marketplace”

There has been lots of speculation over the last few years as to what “Obamacare” was going to offer. The marketplace is now open and all of our agents are certified to assist you with Marketplace enrollment and comparisons.

Individual Health Insurance

At this point, you’ll probably want to go into the exchange for individual coverage, however, there are plans for healthy individuals available outside the exchange. These will usually have a rich benefit package and lower deductibles and out of pocket limits. The drawback is that these plans will not be eligible for any subsidies from the federal government.

Medicare Advantage/Medicare Supplement Programs

Which should you choose? A medicare advantage plan usually has a lower monthly premium and a richer benefit package. The down side? Advantage plans are generally administered through regional insurance providers. If you spend half the year in a warmer climate, that regional limitation may leave you without your added benefits for half the year. In cases such as this, we commonly recommend a supplement plan through a national carrier.

Scott is our health insurance guru. He will work with you to find the best coverage available.

Reduced Cost Prescription Programs

Many of our clients have seen HUGE savings on their prescription costs by making use of the new $4/month and $10/3 month supply generic prescription lists at their local pharmacies. You don’t even have to run your prescriptions through your insurance to use the program. Just locate your prescription on one of the following lists and have it filled at that pharmacy. Not all generics are included in all lists, so you might have to compare lists to see if you can locate your medications.

In addition to the programs below, our agency has also negotiated a no-cost Prescription Drug Discount Card through the Canal Fulton Chamber of Commerce. Enjoy average savings of 19-20% on brand name drugs and average savings up to 79% for generics! Cards can also be used for the purchase of diabetic equipment, vision expenses, and hearing aids.

  • Buehler’s (now Ritzman Pharmacy) – Ritzman Pharmacy now runs the pharmacy locations within Buehler’s. They have a prescription club, and it is unclear from the website if there is a fee to join.
  • CVS – 10 prescriptions can qualify you for $5 in ExtraBucks rewards
  • Discount Drug Mart– offers a limited number of prescriptions for $1.99 for 30 days and $5.89 for 90 days.
  • Giant Eagle – Giant Eagle appears to have done away with their discounted prescription prices and instead offers FuelPerks to customers on their prescription purchases
  • Kmart – Kmart now offers $5 worth of rewards points for customers who purchase 5 prescriptions in a 12 month period. Reward points can only be used at Kmart and Sears stores and are only valid for 14 days
  • Kroger – It does not appear as though Kroger participates in any discounted prescription programs at this time
  • Marc’s – Two options: a limited number of prescriptions for $1.99 for 30 days. Also has a $3.99/9.99 or less Generic Rx List
  • Meijer – Does not offer the $4/$10 program, but has provisions for certain free antibiotics and prenatal vitamins.
  • Rite Aid – Does not appear to have a discount program at this time
  • Sam’s Club– There are five specific medications that Sam’s Club offers for FREE. There is a list of over 600 generics available for $10 or less. You must be a Plus Member of Sam’s Club to qualify for either program
  • Target – Pharmacy services are now provided by CVS. If you get 10 prescriptions filled at a Target CVS, you can earn a $5 Target gift card
  • Walgreens – Walgreens allows you to earn Balance Rewards for your prescriptions: 100 points for every 30-day prescription picked up in store, 300 points for every 90-day prescription, 100 points per vaccination
  • Walmart – $4/10 Program

Also, many of our providers offer online access to your prescription benefits and mail order information.

ACA/”Obamacare”

The Healthcare Reform initiative is also called “Obamacare” or “The Exchange”. It has changed the entire face of healthcare in the United States today.

Love It or Hate It, it is here to stay in some form or another. Even if the laws are repealed, there will have to be a replacement. Let CA help you navigate the system. We will tell you about your options and can assist you with signing up.

Chu & Associates Agents are Certified to assist you with signing up with the Affordable Care Act (Obamacare) coverage through www.healthcare.gov.

Personal Insurance

Did You Know?
Ostriches don’t actually bury their heads in the sand at all!
Ostrich parents dig a hole in the dirt in which to lay their eggs. Both parents take turns rotating the eggs throughout the day and may appear from a distance as though they have “buried their heads in the dirt”. However, they aren’t avoiding anything!

Insurance can seem overwhelming. Many people avoid it by filing their renewals and ignoring their premium increases each year.

Please let us review your policies. We will look for coverage gaps that may not have existed when the policy started and make sure you’re getting all the discounts to which you are entitled. It doesn’t necessarily mean additional cost either.

We offer a full complement of policies to cover your health, life, home, transportation, and your stuff. Our experienced agents can answer your questions and guide you through the process.

We offer:

  • Individual/Family Health Insurance
  • Individual Dental & Vision Insurance
  • Life Insurance
  • Home, Condo, Tenant, Mobile Home Insurance
  • Auto
  • Motorcycle
  • RV
  • Boat
  • Umbrella Coverage