Save money on Health Insurance

At the Gelker and Rohrer Insurance Agency , one of our goals is to educate employees on our clients group insurance plans about health care choices and alternatives on the web. Health care Info WEB MD and Wellness.com are great sources of information on quality care, prescription drugs and wellness information. A better informed employee, practicing simple wellness strategies, has a good chance of leading a disease free life that does not negatively impact the pricing of the group insurance premium of their employer. Our Orange County, California business clients are asking for better benefits and educating employees on ways to live healthy lives is one small part of the added value the Gelker and Rohrer Insurance Agency seeks to give our clients.

Group Insurance Info That Cuts the Cost of Healthcare

You can save a lot of money on the cost of health care in Orange County, California by using online tools provided by insurance carriers like:
Blue Shield ,
Blue Cross ,
Aetna,
HealthNet,
United Health Care,
And Kaiser
The ability to check claim payments, compare mail order prescriptions prices, find providers, and compare prices for medical procedures in your location are tools that consumers can use to save money on health care. The Gelker and Rohrer Insurance Agency, located in Costa Mesa, California has been urging employees at group enrollment meetings to enroll online with the insurance carrier to become better informed and take advantage of the free services offered by insurance companies.

Saving money on Prescription Drugs

When purchasing prescription drugs in Orange County, California savvy consumers are checking prices at Walmart, Costco and Target. What we at the Gelker and Rohrer Insurance Agency are seeing is a drug pricing war that is helping Costa Mesa residents save big bucks on prescriptions. Our clients have used the published pricing from these retail giants to get reduced rates at pharmacies in Newport Beach and Costa Mesa. "We'll match that price" is what the local Pharmacist is saying, driving down the out of pocket expenses for consumers.

Save Money on Group Insurance

Small Businesses in Costa Mesa, California are purchasing High deductible Health Savings Account
health plans for their owners. A quick health insurance comparison by the Gelker and Rohrer Insurance Agency reveals the premium savings over rich benefit HMO or PPO plans. Putting the significant premiuim savings into a tax sheltered Health Savings account gives small business owners flexibility and choice to fund the kind of health care services important to them and their family. The Gelker and Rohrer Insurance Agency , located in Orange County, California is an expert resource for consumer driven health plan information.

Cash Value Health Insurance

Smart small business owners are dropping expensive HMO and low deductible group health plans and using high deductible Health Spending Account ( HSA) ppo plans for their health insurance plans in Orange County, California. Most small business owners do not access health care more than a couple of times a year, so buying rich benefit, low deductible health turns out to be an exercise in purchasing a benefit rarely used. The premium for a rich HMO or PPO plan in Costa Mesa, California is 30-50% higher than a HSA plan with a $1500 to $3000 deductible. The smart part of the HSA plan is the tax sheltered account you can set up to pay for expenses below the deductible. Contributions to this account are tax deductible and payed out for qualified medical expenses tax free. This is quite a tax advantage for the person in a high tax bracket. Contribution limits for 2010 are as follows:

2010 IRS Limits
	Single Plan	Family Plan
Minimum Deductible	$1,200	$2,400
Maximum Out-of-pocket	$5,950	$11,900
Maximum Contribution Limit	$3,050	$6,150
Catch-up Contribution (55+)	$1,000	$1,000