Small Group Major Medical Insurance
Small Group Health Insurance plans usually are either indemnity (fee-for-service) or managed care. Indemnity and managed care plans differ in their basic approach. The broad major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more choice of doctors (including specialists, such as cardiologists), hospitals, and other health care providers than managed care plans. Indemnity plans pay their share of the costs of a service only after they receive a bill. Managed care plans have agreements with certain doctors, hospitals, and health care providers to give a range of services to plan members at reduced cost. In general, you will have less paperwork and lower out-of-pocket costs if you select a managed care-type plan and a broader choice of health care providers if you select an indemnity-type plan. Many health insurance companies have moved away from indemnity plans and are instead offering managed care plans such as HMOs and PPOs. PIAVA/DC offers choices in Small Group Health Insurance from Anthem Blue Cross Blue Shield Inc.

Long Term and Short Term Disability Insurance
No matter what your income level, disability insurance is necessary to ensure that your assets and lifestyle are protected in case of a disability. Having LTD and STD insurance helps assure that if you are unfortunate enough to sustain a serious disability you will have peace of mind knowing there is an adequate income stream while you're unable to work. PIAVA/DC can help you find the best long and short term disability insurance for your needs. We offer an LTD and an STD policy from Unum Life Insurance Company through PIA Services Inc.

Small Group Dental Insurance
Dental Insurance that provides for early diagnosis and preventative care is vital to maintaining good dental hygiene, and contributes to your overall health. PIAVA/DC offers a small group standard PPO dental plan, by UNICARE Life & Health Insurance Co., through PIA Services, Inc., which emphasizes routine examinations so that minor dental problems can be treated before more extensive problems develop.

AD&D Insurance
You can't always prevent an accident, but you can prepare with Accidental Death & Dismemberment Insurance. PIAVA/DC offers this insurance, by UnumProvident Corporation through PIA Services, Inc.

Small Group Life Insurance
Basic Group Term Life and Voluntary Group Term Life Insurance are available in various benefit categories for you and your agency employees. PIAVA/DC offers this insurance from Unum Life Insurance Company of America through PIA Services, Inc. Provide extra protection for unexpected hospital expenses with Hospital Indemnity Insurance, offered through UnumProvident Corp. by PIA Services, Inc.

Business Overhead Expense Insurance
Help keep your agency practice active when you are disabled with Business Overhead Expense Insurance. Office overhead doesn't stop just because you're hurt. This insurance helps maintain your business until you can resume your duties. PIAVA/DC offers this coverage by UnumProvident through PIA Services, Inc.

For any of these products, contact lreed@piavadc.com for more information.