Saving time and money on administration

LL Benefits is your experienced and knowledgeable partner navigating a difficult (and expensive) health insurance industry. You can count on us to provide you with all the critical information necessary to understand the ever-changing marketplace.

Health Insurance

Health insurance is a policy that protects the insured in the event of illness or injury. It pays for the appropriate medical treatments required based upon limits established within the individual policies.

• Advantages for employers

  • Limits the risk of self-funding
  • Lowers monthly costs
  • Provides substantial refunds for healthy groups

• Advantages for members (covered employees and covered dependents)

  • Makes healthcare affordable
  • Offers choice with in-network providers
  • Is simple to use with multiple ways to get support
  • Improves health with fully covered preventive health services

Health Savings Account (HSA)

An HSA is a tax-advantaged savings account available to employees enrolled in a high deductible health plan and is used to pay for qualified medical expenses. Unused funds roll over and accumulate year to year because the account is owned by the employee. HSAs can be funded by the employee, the employer, or both, and there is an individual and family annual limit to the amount which can be deposited