208 Newark Pompton Tpke, Little Falls NJ 07424

Sales@JPappas.com  |   973-429-0725

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J.Pappas Payments is a registered ISO of Wells Fargo Bank, N.A., Concord, CA. ​

The Clover trademark and logo are owned by Clover Network, Inc., a First Data company. All other trademarks, service marks and trade names referenced in this material are the property of their respective owners

© Copyright 2014 J.Pappas Payments

do not pay for insurance you are not using

Group health insurance

J.Pappas Insurance will help navigate you and get the right coverage. Here's How: 
Step 1: Compare types of health insurance plans 
Step 2: Examine health plan networks  
Step 3: Compare out-of-pocket costs
Step 4: Compare benefits
Step 5: Provide you with the the coverage you need at a low-cost
Choosing the best coverage option: 
PPO - A preferred provider organization offers a network of healthcare providers you can use for your medical care. These providers have agreed to provide care to the plan members at a certain rate.

EPO - "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.

OMNIA - Offers you the benefits of patient-centered care, along with access to all doctors and other health care professionals in the Horizon Managed Care Network, and all hospitals in the Horizon Hospital Network. 

HSA - A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit.

HRA - A Health Reimbursement Arrangement (HRA) is an employer-funded account that helps employees pay for qualified medical expenses not covered by their health plans. HRAs are compatible with all types of health insurance plans and they are owned by the employer.
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GROUP HEALTH INSURANCE FORMS

 

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Term

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Universal

We will help navigate you and get the right coverage

Disability