Group Health

Provides coverage for injury and sickness for your employees and their dependents. Traditional health programs and Health Savings Account programs are available. Special programs are also available for local contractors through the Builders Benefits program offered by the Building Industry Association (BIA) of Lancaster County and the Pennsylvania Builders Association (PBA).

Individual / Family Health

Provides coverage for injury and sickness for yourself and/or members of your immediate family. Similar to Group Health, Traditional and Health Savings programs are available to individuals and families, but they are often subject to stricter pre-existing condition limitations and limited benefits for certain conditions, i.e. pregnancy. When available, Group Health benefits and/or COBRA benefits are preferable to Individual / Family coverage from a coverage standpoint, but Individual / Family coverage may be less expensive.

Life

Provides a limited death benefit to your employees with options for their purchase of additional insurance for themselves and/or their dependents through convenient payroll deduction. For most Americans, the life insurance coverage that they receive at work is the only coverage they have.

Disability

Provides income protection, should the employee be unable to work for a period of time due to an illness or injury. Short-Term Disability and Long-Term Disability policies are available on either an employer-paid or employee-paid (voluntary) basis.

Long Term Care

Provides benefits for skilled long-term health care in either a nursing home or residential setting. Claims are based on the need for assistance with 2 out of 6 activities of daily living or cognitive impairment. This benefit is available as a carve-out program for management employees or as a total group benefit with a base employer-paid benefit and optional buy-up benefits on a voluntary basis.

Dental

Provides benefits for routine and restorative dental care for employees and dependents. Programs are available that use network dentists or that will provide coverage with any dentist.

Vision

Provides benefits for routine vision exams and hardware to correct vision, i.e. glasses or contact lenses. Programs are available that use network vision providers or that will provide coverage with any provider.

This is not a policy. The features found here may or may not be included in your policy depending on the type of coverage you select. Please refer to your policy for specific coverage or contact us for assistance.

Hostetler Insurance Associates Inc. is licensed to conduct business in Pennsylvania. The information on this site is a solicitation to conduct business only in the aforementioned state of authority.