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Select Advantage Features a choice of deductibles and office visit co-pays, including: ·       same day lab and x-ray, ·       a prescription drug card program, and ·      individual, spouse and child(ren) coverages available, including child-only coverage. Select Choice Features a choice of deductibles and a low co-pay for in-network physician office visits. Select Saver Offering a new "back to the basics and cost effective" health insurance plan, designed to provide a selection of benefits, including a choice of deductibles, to fit your health care coverage needs and budget. Supplement to Medicare Aged 64 to 65? Guaranteed Issue Medicare Supplement Life Insurance Would your death leave loved ones financially stranded? It's time to shop for peace of mind.		J & S Consultants aims to narrow that financial burden by providing competitive healthcare packages to individuals, small businesses and senior citizens. We can also help individuals who are already covered, but may need coverage for their spouses. Apply directly online for family, individual or student coverage.   According to the U. S. Census Bureau, the number of Americans without any health insurance rose to 43.6 million between 2001 and 2002.1 In the study, the "National Survey of Small Businesses," 67% of small business executives report "they are very or somewhat dissatisfied" with the cost of health care and health insurance.2 The study also notes that a 10% increase in health insurance costs would likely prompt 36% of small businesses to reduce health benefits for employees and 17% to drop coverage, while a 25% increase in costs would likely prompt 48% to reduce health benefits and 27% to drop coverage.2 In addition, 72% of small businesses that did not offer health insurance for employees cited cost as a "very important reason."2   1 http://www.census.gov/prod/2003pubs/p60-223.pdf  2 http://www.kaisernetwork.org/daily_reports/print_report.cfm?DR_ID=10407&dr_cat=3     In the news...   Prefer to call?   Telephone:     800-579-3738     FAX:                   432-943-6100     Postal address:     P. O. Box 111                                               Monahans, Texas 79756    Electronic mail: General Information: info@healthinsurancebrokerage.com   Sales: agent@healthinsurancebrokerage.com   Customer Support: tjones@healthinsurancebrokerage.com Webmaster: techdept@healthinsurancebrokerage.com		APPLY ONLINE Individuals and Families   Short Term Medical   Not Sure? Let us provide a Personalized Quotation   One Deductible® One Deductible Plan One Deductible Plan HSA CoreMed® Individual Insurance Plan Right Start® Right Start Plan Right Start Plan HSA   Student Select® No longer covered as a dependant under your parent's plan? Attending school outside an HMO or PPO region? Required to have coverage but choose not to participate in a college-sponsored plan? Finding a traditional individual medical or other current coverage to be too expensive? FREE STUDENT QUOTE     Right Start Brochure One Deductible Brochure OTHER BROCHURES
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