LSM INSURANCE ASSOCIATES

Today, starting a health care plan is expensive & time consuming.  Many employers are now offering a limited medical plan to employees to control their benefit costs.  If an employee wants a true major medical PPO or HSA plan, they work directly with LSM Insurance Associates to select the plan that best meets their PERSONAL budget & heath coverage goals. 

As the employer, you can offer a limited medical plan which is much more affordable to both you and employees.  You are also not required to contribute to the cost of the limited medical plan nor do you have to be concerned with employee participation.  As long as a minimum of 5 employees enroll, you have a plan! Combined with a variety of supplemental payroll deducted benefits including Life, Disability and Accident coverage, employees can design an affordable plan that meets their specific needs without the high costs associated with a true major medical plan.

Depending on the size of your business, pre-existing condition clauses can be waived, and rates are NOT based on YOUR COMPANY'S claims experience.

The plan is VALUABLE as it offers doctor visit copays, prescription drug coverage and emergency room coverage for everyday health needs.

Plans are AFFORDABLE with premiums starting at $100 a month!

A Limited Medical Plan IS NOT A MAJOR MEDICAL PLAN AND DOES NOT PROVIDE COVERAGE FOR PRE-EXISTING CONDITIONS OR CATASTROPHIC MEDICAL EXPENSES.

Can't afford to offer Health coverage through work.  LSM Insurance Associates can help your employees directly with a variety of Major Medical plans.  In addition, we offer Defined Solutions which offers immediate coverage with out health questions.  No Wait Health Coverage