Group Health Insurance

Benefits that keep your employees happy

BRIA Insurance & Risk Consultants provides group health insurance to businesses in Austin, Lakeway, Bee Cave, Round Rock, Georgetown, Westlake, and surrounding areas.

As an employer in today’s business world, BRIA Insurance & Risk Consultants knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that is healthy and insured with peace of mind.

At BRIA Insurance & Risk Consultants, we are proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that is not only affordable, but complements your business’s needs.

Which plan is right for your business?

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of-Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out-of-pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it is important to discuss your business’ Health Insurance needs with a specialist at BRIA Insurance & Risk Consultants who can help you find a solution that is ideal and feasible for you and your employees. Contact BRIA to discuss your specific needs.

Dental Coverage

Benefits that can make you smile

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, BRIA Insurance & Risk Consultants has a solution that’s right for you. From routine cleanings and checkups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Our Dental Coverage options include:

• Traditional Indemnity.
• Dental Health Maintenance Organization (DHMO).
• Preferred Provider Organization (PPO).

While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative from BRIA Insurance & Risk Consultants. We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.

Contact BRIA Insurance & Risk Consultants today to receive dental benefits that keep you, your family, and those around you happy.

Long-Term Care Insurance

Personal and financial protection for the long term

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but, for many others, additional coverage is required. At BRIA Insurance & Risk Consultants, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from BRIA Insurance & Risk Consultants can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

• Home care.
• Assisted living.
• Adult daycare.
• Hospice care.
• Nursing homes.
• Respite care.

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with BRIA Insurance & Risk Consultants to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Contact BRIA to discuss details.

Temporary Health Insurance

Protection that matters in the short run

At BRIA Insurance & Risk Consultants, we realize that individual people require individual insurance needs based on their current situation. And as an insurance agency, we also know that an unexpected accident or illness can happen at any time. That’s why we want to help you with all of your short-term needs in the event that you require a temporary solution.

A Temporary, or Short-Term, Health Insurance plan from BRIA Insurance & Risk Consultants can be purchased for a variety of reasons. It is a way to keep you protected from accidents or illnesses that occur when you are not insured under a standard Health Insurance policy. Individuals who require short-term coverage are typically those who:

• Have a gap in their Health Insurance as a result of switching jobs.
• Are waiting to receive benefits from their current employer.
• Have recently graduated and are looking for employment.
• Maintain a seasonal or temporary position.

What’s covered under a temporary health plan?

The right Temporary Health Insurance plan can assist in covering hospital visits, prescription drug costs, and other situations that require medical attention for injury or illness. However, there are several limitations that are not included. These items include physicals, exams, and pre-existing conditions. Since the terms, conditions, and duration of your policy may vary, it is important to talk to an insurance specialist at BRIA Insurance & Risk Consultants who can help you find a plan that meets your needs.

Do not experience the financial burden of out-of-pocket medical expenses as a result of an unexpected injury or illness between your Health Insurance plans. Get the coverage you deserve today with a flexible and affordable Temporary Health Insurance plan from BRIA Insurance & Risk Consultants. Contact BRIA for more information.

Supplemental Insurance

Additional insurance to cover the gaps

At BRIA Insurance & Risk Consultants, we are committed to offering a total array of insurance services that meet your every need. That is why we offer additional insurance coverage to keep you protected in areas that your current Health Insurance policy does not cover – for peace of mind assurance that keeps your finances secure.

Supplemental Insurance works to cover any gaps in your Health Insurance plan. This can include any out-of-pocket medical expenses, such as deductibles and co-payments, that you may not be able to afford. It can also provide cash benefits to assist you in certain situations such as high living expenses, loss of income due to an illness or injury, and money to pay for medication.

Types of supplemental insurance

There are many types of Supplemental Insurance, which is why it is important to talk with an insurance representative from BRIA Insurance & Risk Consultants to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.

• Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.
• Maternity Supplemental Insurance helps to cover any medical expenses up to the delivery of the baby. This can include deductibles, co-payments, and more – so you are not stuck with unexpected expenses on top of your existing bills.

Since Supplemental Insurance is an addition to your Health Insurance policy, it is important to note that it does not act as a traditional Health Insurance policy.

Avoid gaps in your current Health plan with Supplemental Insurance from BRIA Insurance & Risk Consultants. Contact us to discuss your specific needs.

Disability Insurance

Your biggest asset is you

BRIA Insurance & Risk Consultants provides disability insurance to individuals in Austin, Lakeway, Bee Cave, Round Rock, Georgetown, Westlake, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure is not a material object like your car or home – it is your ability to work and earn a living. At BRIA Insurance & Risk Consultants, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income Insurance from BRIA Insurance & Risk Consultants, you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual. The duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two- or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at BRIA Insurance & Risk Consultants will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.

Medical Expense Insurance

Keep your medical service needs covered

In the event that you or any of your loved ones get injured or become ill, you will need a policy that prevents you from paying high out-of-pocket expenses for medical services. With the right coverage, you can achieve peace of mind knowing that you are appropriately protected.

At BRIA Insurance & Risk Consultants, we can offer Medical Expense Insurance to prevent you from feeling the burden of high-priced medical costs. We know that after a hospital visit or a procedure, the last thing you will want to experience is paying bills that you may not be able to afford.

Types of medical expense insurance

There are typically two types of policies: Basic Medical and Major Medical Expense.

• Basic Medical Expense policies offer coverage for standard hospital, surgical, and physician expenses. It works to insure certain types of hospital visits/stays, surgery for specific types of procedures, and common physician fees.
• Major Medical Expense policies are for covering expenses that take over when the limits of a basic insurance plan have been exhausted. This typically involves more catastrophic situations over basic injury or illness.

To find out more, please contact BRIA Insurance & Risk Consultants today. One of our helpful Health Insurance specialists will work with you to create a Medical Expense policy that fits the needs of you and your family.

Child Health Insurance

Insurance solutions for those in need

Unfortunately, not everyone can afford a Health Insurance policy. At BRIA Insurance & Risk Consultants, we believe that each person deserves some sort of coverage in the event of illness or injury.

Depending on your location and situation, there may be several options for keeping your children insured so they can receive the care they need when they need it most for physician visits, dental exams, vision services, prescription coverage, and more. Options like Medicaid for low-income children and adults or a State Children’s Health Insurance Program may be the right solution.

Contact a specialist at BRIA Insurance & Risk Consultants to learn more today.

Travel Health Insurance

Coverage that travels with you

Traveling is a great way to either spend time with your loved ones or take some time off from your busy schedule and simply relax. At BRIA Insurance & Risk Consultants, we want to wish you safe travels on your next adventure and keep you safe with protection that matters.

An accident can happen at any time – even on vacation. Whether you are overseas or across the country, the best way to ensure that you are protected at all times is with a Travel Health Insurance plan that is right for you. The last thing you will want to experience is being sick or injured in an unfamiliar place.

BRIA Insurance & Risk Consultants offers additional Travel Health Insurance policies that keep you covered in the event of travel-related accidents or conditions, such as:

• Car accidents (whether you are the driver, a passenger, or pedestrian).
• Accidental injury or disability.
• Loss of eyesight or hearing.
• Sickness.
• Medical evacuation.
• Accidental death.

While there are other options available, including insurance for any lost items or delays, it is important to discuss your travel needs for your next trip with  an expert at BRIA Insurance & Risk Consultants. This type of coverage typically lasts throughout the duration of your trip outside of the country and generally expires upon your return.

Enjoy your next trip with the peace of mind assurance that you and your loved ones are protected with flexible and affordable Travel Health Insurance.

Prescription Insurance

Extra discounts for your medication

BRIA Insurance & Risk Consultants understands the importance of your daily medication. Due to today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket – especially if you depend on taking multiple medications for various symptoms.

With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can:

• Reduce the cost of your medications.
• Decrease your co-pay expenses.
• Cover any specialized medications.
• Make your out-of-pocket expenses feasible.

Since there are many coverage types and Prescription Insurance plans available, it’s important to discuss your options with a specialist from BRIA Insurance & Risk Consultants to see if your current Health plan requires extra coverage for your individual needs.

Contact BRIA Insurance & Risk Consultants today to find out how additional Prescription Insurance can save you money.

HSAs

It’s all about options

Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, BRIA Insurance & Risk Consultants can help you find a Health Insurance solution that meets the needs of everyone.

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money into a savings account that they can use over time for medical expenses that are not covered under their high-deductible plan.

With a standard HSA, you can:

• Put money into your HSA (tax free).
• Watch your money grow (tax free).
• Take out money if needed for qualified medical expenses including dental and vision (also tax free).

Advantages of HSAs

With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.

Although there are limits to the amount of money in which you can deposit to your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.

Contact an insurance specialist at BRIA Insurance & Risk Consultants today to learn more about how an HSA can benefit you.