FIFS offers long-term, short-term, and supplemental health insurance plans from the nation’s most reliable and stable healthcare providers to meet every person’s and family’s unique situation:
Major Medical (Traditional Indemnity)
Preferred Provider (PPO)
Health Maintenance Organization (HMO)
Health Savings Account (HSA)
Short-Term Health Care
International Travel Insurance
Medicare Supplements
Medicare Prescription Drug Plans: Medicare Part D
Major Medical (Traditional Indemnity)
This type of coverage is ideal if “freedom of choice” in health care is important to you. It covers a broad range of health care services and does not require use of selected physicians or certain health care facilities.
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Preferred Provider (PPO)
With this option, you’ll receive a list of highly qualified medical providers and facilities to select from when you require health care. This type of coverage typically pays for hospital room and board, physicians’ and surgeons’ fees, lab services and much more.
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Health Maintenance Organization (HMO)
This popular and competitively-priced form of managed care provides you with a network of doctors and hospitals to choose from. The coverage available through the HMO ranges from routine physicals to emergency care to give you a comprehensive health insurance program.
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Health Savings Account (HSA)
Health Savings Accounts are the newest choice in health insurance for the consumer-driven marketplace. An HSA allows you to build up a tax-free savings account to pay for routine medical expenses. Your HSA is used in conjunction with a high-deductible insurance policy, so your premium cost can be kept lower.
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Short-Term Health Care
If you are between jobs, are a new graduate, or need an alternative to COBRA, ask us about the Short-Term Health Care options open to you. You can get quality interim health coverage for anywhere from a few weeks to 12 months. There is no underwriting, so coverage can become effective immediately – giving you the protection you need right when you need it.
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International Travel Insurance
When you need to travel outside the country for work or pleasure – whether for days, months, or even years – don’t get on the plane until you have talked to us about International Travel Insurance. You need to be aware that most health insurance plans do not cover illnesses or injuries that occur outside of the United States. International Travel Insurance provides you with the medical protection you need, including the cost of repatriation if your condition requires transportation back to the United States.
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Medicare Supplements
Medicare Supplement plans help fill the gaps in your Medicare coverage so you don’t have to pay certain costs out of your own pocket. We offer Medicare Supplement plans with a wide variety of benefit options, no co-payments, no networks, and no referrals – allowing you complete freedom of choice in the providers, doctors, and hospitals you want to use.
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Medicare Prescription Drug Plans: Medicare Part D
Medicare Part D offers prescription drug coverage for anyone on Medicare. With a Medicare Prescription Drug Plan, you will have coverage for many generic and brand name prescription drugs, potentially saving you significant out-of-pocket costs each year.
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For more information about what to look for in a health plan, click here, then call Trish Sneddon, J.R. Hager or
Brad Shelly toll-free at 1-800-332-4141 to learn about the quality, competitively-priced plans available to you!
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