BCS CONSULTING- BCS INSURANCE -
THE HIGHEST QUALITY COVERAGE FOR THE LOWEST POSSIBLE COST

STUDENT SELECT HEALTH INSURANCE
This is affordable health Insurance for college students. If you are a full-time college student, taking at least 9 or more college credits and under the age of 30, you qualify to apply for this coverage. You have a choice of deductible, after which expenses are paid at 80% of the next $10,000 and then 100% of any remaining expenses for each illness or injury up to a maximum of $100,000. Click here on this "STUDENT SELECT" Link to apply for this program on-line now.

TEMPORARY HEALTH INSURANCE
Temporary health insurance is very low cost because it only covers you for a period of your choosing any where from 30 to 185 days. However, each person may apply for a second policy of the same or varying period of time. So, using temporary coverage you can obtain health insurance for over one full year. After a deductible of your choice, the Plan pays either 80% or 100% of the next $5,000 after which expenses are paid up to 2 million dollars for each covered person. There are only 6 health questions on the application and you can apply right here by clicking here on this "TEMPORARY HEALTH INSURANCE" link to apply for this program on-line now.

DENTAL NETWORK PLANS
There are many dentists, who have joined national and local networks to provide affordable quality dental care to their clients. These Network Programs are NOT insurance programs, but instead the dentists offer deep discounts in the cost their services in return for the benefits of being part of the network. These programs are not as expensive as insured dental plans and may be your answer to making dental care more affordable. Click here on this "DENTAL NETWORK PLAN" link to review the program available in your area and apply for one online now.

PROPERTY CASUALTY INSURANCE
I have a relationships with the premier property casualty agents representing financially superior carriers offering comprehensive coverage, reasonable rates and low monthly payments. This will allow you to insure the property you buy, protect your business and secure your assets.

INDIVIDUAL HEALTH INSURANCE
If you are not covered by your employer, you can apply for individually underwritten coverage right here on line. Click here on this "INDIVIDUAL HEALTH INSURANCE" link to apply for this program on-line now. However, you must remember these plans are individually underwritten, so if you have health issues and you are concerned about being approved for the coverage, you may want to CONTACT ME first with your name, the name of any family members to be included, their dates of birth, and your home address with zip code. We can discuss the issues and determine the best way to proceed. I will contact you to confirm the desired coverage and email quotes. Once we determine the best way to proceed, we can apply with an application or do it together on line, eliminating all the hassle and paperwork normally associated with the application process.

• Health Benefit Choices - A full range of PPO and Traditional health insurance products are available, including the NEW one deductible plans with an Health Savings Account.
• I have a Right Start Program for the healthy client which is a low cost comprehensive plan with some well designed limitations that greatly reduce the cost of a health insurance plan.
• Value Plan which covers up to 8 Million Dollars in benefits with a few annual limitations and maintains the overall affordability of the plan.
• One Deductible HSA which takes advantage of the new Health Savings Accounts and the financial flexibility a Medical IRA.
  

EMPLOYER INSURANCE
I provide an annual review and comparison of various program benefits, rates and benefits from all qualified carriers so you always have the option of choosing the lowest cost highest quality benefit program and getting the "biggest bang for the buck" in insurance. I also advise on the structure of employee contribution levels and shared funding using HSA's and HRA's. The insurance carriers we use include all of the major HMO's, Aetna, BlueCross BlueShield, Assurant/ Time, American Medical Security, Humana, Pacific Life and United Health Care. Products available include health, life, dental, disability, long term care, Medicare supplemental, short term medical, buy sell, hospital and medical supplemental indemnity, accident care a specific disease indemnity protection.

Monthly Health Letters - All my clients receive a monthly health letter free of charge. The Letter provides helpful information on diet, exercise and expert health advice. This helps my clients and their employees maintain a healthy life style and improve their personal health and productivity which is vital in the effort to keep your health insurance affordable.