IMPORTANT INSURANCE INFORMATION

There has been an increase in the number of individuals marketing fraudulent health insurance plans.  With the rising cost of health care, these scam promoters are aggressively targeting small businesses and their employees.  To protect your business and employees when purchasing health insurance, here are a few tips to keep in mind: 

•             Compare insurance coverage and costs.  Always compare the benefits and costs of multiple insurance products.  If one product appears to offer similar benefits at a dramatically lower cost, ask questions.
  

•             Confirm that the person offering the product is a licensed insurance agent with a proven record of reliability.  Promoters of insurance scams often engage unlicensed insurance agents to market their product as cheaper alternatives to traditional insurance.  Check out unknown agents with your state insurance department.
  

•             Verify that any unfamiliar company, organization or product is approved by your state insurance department.
  

•             Examine the policy to determine the actual coverage and whether the promised benefits are fully insured by a licensed insurance company.  Do not confuse representations about stop-loss coverage with a guarantee of group health benefits.  Stop-loss coverage often protects only the insurer, not the insured individuals.
  

•             Request references of employers enrolled with the provider.  Get information about benefit payment history and claim turnaround time.
  

•             Ask about the allocation of premiums charged for commissions, fees and administrative expenses.  A high percentage allocation my indicate a problem with the product or insurer.

•              Contact your regional office of the Pension and Welfare Benefits Administration, U.S. Department of Labor, at 866-275-7922, or at www.askpwbe.gov to report problems.

                       CHECK THIS OUT

The H.B.A.A. is creating a web site. www.hbaahomes.org With this web site we hope to be able to advertise our organization, keep you informed and more. When completed, the web site should be a place:

• for companies to request an application for membership

• to review the latest HBAA newsletter

• to view a calendar year of HBAA activities

• for Home Show information

• for visitors to review our membership listing

• for a list of our members in category of expertise 

• to link to each members business web page
  
  In order to make this web page more useful we need information from you. Please complete and mail the following so we may correctly represent your business on the web site.
  or fill out the form in the members section on the website.
  
  Business Name _____________________________
  
  Existing Website_____________________________
  
  Email Address______________________________ 
  
  Business Motto______________________________ 
  
  __________________________________________
  
  Area(s) of expertise _____________________________________

Please try to pick from the following list:
Accounting, Appliances, Architects, Attorney, Banker, Building Supplies, Carpentry, Commercial Contractor, Computers, Concrete Work, Electrical, Engineers, Excavation Work, Financial Services, Flooring, Insurance, Kitchens, Land Developer, Landscaping, Marketing, Modular Homes, Plumbing, Real Estate, Remodeler, Residential Contractor, Roofing & Siding, Sub Contractor, Utilities, Wall Coverings, Other

Using your HBAA membership discount would you be interested in getting a website? YES NO (see samples on our website) 

Mail to: Home Builders Association of the Alleghenies
1397 Eisenhower Blvd.
Johnstown, PA 15904