Health Insurance Options

Health care decisions are an important part of providing for your future, and for your loved ones, but making the right decisions isn’t easy. MLR offers you invaluable assistance in your search for a quality health care plan, with these promises.

  • A stress-free, transparent working relationship.
  • Devoted staff responsive to your needs who are trained to offer the best solutions.
  • The best health care plan for you, for the best rates, and the expertise to clearly explain why.
  • Access to the largest and most successful health care insurance providers in the field.
  • Medicare solutions.
  • Multifaceted solutions: short-term, long-term, individual, family and group health care plans.
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Cigna
Aetna
AdventHealth Medicare

Individual Plans

A health care plan for an individual, tailored to the specific needs of that individual, should give you the comfort and peace of mind to face any and all health emergencies. One size does not fit all. Share your story with MLR and we’ll find the health insurance plan that fits your life.

Family Healthcare Plans

You may have a family member who requires frequent hospital visits. Or who may require a certain type of care. A plan that covers ambulance rides, surgeries, or diagnostic imaging. MLR will go above and beyond to understand your requirements and guide you toward your best plan option, a plan that is affordable with your criteria in mind.

Group Plans

Making the right decision regarding a group health care plan is simply good business. Beyond making sure your employees are protected, choosing the right coverage can help you retain your best employees and attract your industry’s top talent. MLR offers vision, dental, hospitalization, health savings accounts, and other employee benefits. Making these important decisions with the right information will benefit your business, your staff, and your bottom line.

Short-Term Solutions

Short-term health care insurance plans are for those unexpected emergencies: sudden loss of employment, coverage before Medicare begins, needing proof of insurance and other life situations that might come without warning. Short Term may be your health care solution answer if you have been terminated from your current employment; are waiting for employer-dependent coverage; or you are looking for a lower-cost alternative to COBRA. Our team of experts is here to answer your questions and simplify your decisions.

Our Difference

We are a decades-old business serving some of the largest organizations in Flagler County and some of the latest start-ups. MLR is a business built over many years through the word of mouth recommendations of our customers, the people and businesses who came to us for caring advice, then sent us their friends, neighbors and business associates.

We believe in health care coverage at a price you can afford, and that’s tailored just for you. So, bring us all the puzzle pieces of your health care situation, and let us design a plan that suits you, health care that gives you comfort for life’s emergencies.

LET’S GET STARTED

We’re here to help answer your questions. Financial, insurance, and tax matters can be complicated, our experts are on hand to help inform you of every aspect regarding your accounts. We take great pride in using our expertise for you and look forward to hearing from you.

    MLR Financial Company will help you understand your employer benefits. This is our specialty! We assist with your HDHP, FSA 1, FSA 2, and HSA plans.

    High Deductible Health Plan (HDHP) is a plan with a higher deductible than a traditional insurance plan. While the monthly payment is lower, you pay more in healthcare costs before your insurance company starts to pay their share. This plan can be combined with a health savings account (HSA), allowing you to pay for some medical expenses with tax-free money. For more information about this plan, contact us.

    Another option you can choose through your job is a Flexible Spending Account (FAS 1 or FAS 2) to pay for your co-payments, deductibles, drugs, and some other costs. Using this method can reduce your taxes. A FSA account is a special account you put money into to use to pay any out of pocket healthcare costs. You do not have to pay taxes on this money. You will also actually save money equal to the taxes would have set aside. Your employer may make contributions to your FSA, but they are definitely not required to.

    Here’s a few facts about FSAs:

    1. They are limited to $2,650 per year, per employer.
    2. You can use FSA to pay down deductibles and co-payments
    3. You can spend FSA funds on prescription medications.
    4. You can also cover medical equipment, bandages, and more.

    They recommend to use you FSA within the plan year. You can also receive up to 2 extra months of grace period. This can allow you to carry up to $500/per year to use the following year.

    There is always a Health Savings Account (HSA) which allows to you to set aside money on a pre-tax basis to pay for qualified medical expenses. Sometimes this method can help you lower your overall healthcare costs. These funds cannot be used to pay premiums. Of course, you can only contribute to an HSA if you have a High Deductible Health Plan (HDHP). An HSA may also earn interest, which is also not taxable.