new approaches
to benefits.

Consumer-Driven Health Care - Manhattan & Westchester County, NY, Fairfield, CT, and New Jersey

To help with skyrocketing medical costs and regulatory changes that impact company expenditures, employers are looking for alternative approaches to health care benefits. AJ Benet offers Consumer-Driven Health Care (FSA, Health Reimbursement Plans).

A.J. Benet offers businesses throughout Manhattan and Westchester County, New York, Fairfield County, Connecticut and nearby New Jersey with several options such as fee-for-service, HMO and PPO plans. We also can provide options that include:

  • Health Savings Accounts (HSAs) – a partial self-funding approach that uses stop-loss insurance to cap potential losses, and allows employees to reserve funds against future health claims. The HSA balance rolls over from year to year. Employees don’t incur federal income taxes, and employers won’t incur payroll taxes (Medicare and Social Security) on the amounts employees elect to have deducted from their paycheck and deposited into their HSAs.
  • Flexible Spending Accounts (FSAs) – a tax-free account allowing employees to pay for essential health care expenses that are not covered, or are partially covered, by medical, dental and vision insurance plans. In contributing a portion of their payroll dollars into an FSA on a pre-tax basis, employees can save from on the cost of eligible expenses they’re already incurring.
  • Health Reimbursement Accounts (HRAs) – consumer-directed funds contributed and managed by employers that are often available in combination with HSAs using employee funds.

Consumer-driven health care options can save you and your employees money. A recent study found that the cost of medical coverage through a consumer-driven health plan linked to an HSA averaged $7,787 per employee in 2011. This is about 20% less than the average of $9,385 per employee for medical coverage through a preferred provider organization.

A.J. Benet can also provide you with a solution to offer fully paid coverage, high-deductible plans or generous subsidies on health insurance premiums.

Talk to us about your options when it comes to employee health plans.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page, and we’ll call you to set up an appointment to review your employee benefits program in detail and show you we can serve your needs.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.