Tom Franco Insurance

Key Facts...

In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family?

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you.

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

Long term care can be expensive. According to the newly released survey by Genworth Financial Services for 2008 the average annual rate for a private nursing home room in San Jose , California is $89,973 – up 17% since 2004. The demand and cost for in-home care are also on the rise. And, we face an impending caregiver shortage that could drive costs even higher in the near future.

Most Americans are unprepared. Learn about expected costs and make sure long term care is part of your overall retirement plan.

Most small business owners provide health insurance through group plans which use organized medical networks. There are several types of networks: HMO's PPO's An POS's You should know about each of them because each has characteristics that will affect your choice for new health insurance. When you work with a representative from TLF Insurance, that person will work with you to find the plan that best suits your company.

HMOs often have lower premiums but they must be available in close proximity to your employees and the workplace. PPOs and POSs tend to cost slightly more but are flexible for your employees, allowing them additional choices of doctors and medical care. Choices often make people happier. The Health Savings Accounts (HSAs) are new and can provide a means for tax-free savings for you and your employees. For your convenience, each type of group health insurance network has detailed descriptions elsewhere in the website. Glossary

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