As the health insurance economics and legislation continues to change, the future of medical insurance will look nothing like the past. Not long ago traditional indemnity plans (deductible and co-insurance) were the only programs available. The resistance to managed care was surrendered by the soaring cost associated with indemnity programs. A decade later the cost of managed medical coverage has soared to an average of $4,447 per New Jersey employee, according to a Year 2000 survey by the state's Business and Industry Association. Yet the prospect of changing health insurance plans can be daunting - both for the company and the employee. We won't kid you - implementing benefit plans can be a difficult process and can stop a company in its tracks. The insurance plan you choose and how it is implemented, go a long way in retaining, or losing, employees' confidence and trust. Stratford will survey the entire marketplace for you and put together a plan that will satisfy employees' needs and the firm's bottom-line requirements.

We take the pain out of providing benefits with these and other services:

• We quote the entire marketplace and prepare an apples-to-apples comparison to your current plans.
• We quote alternative plan options.
• A one-size-fits-all approach may not fit - we quote dual-option programs providing employees with choice (cafeteria type plans).
• We provide you and your employees with a comparison of your network directory to the entire marketplace's directories.
• We provide alternative funding methods (simple funding, partially self-funded).
• We explore employee contribution levels using pre-tax (Section 125) methods.
• We handle the enrollment and installation of your new plans.
• We explain the new plan and how it works to each employee.
• Every single employee of your firm has access to our dedicated customer service representatives on a daily basis.
• Your Human Resource Department receives COBRA, HIPPA, FMLA, and NJ Continuation support.

Our commitment does not stop here.

Types of managed care plans available

(Click on the name of the plan to see more information about the plan.)

Restrictions	Plans
	PPO	Non-referral POS	POS	HMO
Primary Care Physician is required	no	elective	yes	yes
Referrals to Specialists are required	no	no	yes	yes
Coverage only for in-the-network hospitals and doctors	no	no	no	yes

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	Less Restrictive / More Expensive		More Restrictive / Less Expensive

PPO - Preferred Provider Organization       (Least restrictive managed care plan)	POS - Point Of Service       (More restrictive managed care plan)
Non-referral Point Of Service       (Less restrictive managed care plan)	HMO - Health Maintenance Organization       (Most restrictive managed care plan)
Alternative funding methods       (Partial self-funded and simple self-funded plans)	Medicare       (Supplemental programs)

Pre-tax savings plans

Section 125 plans       (Pre-tax premium contribution plans)	Flexible Speding Accounts (FSA)       (Pre-tax premium contribution plans)
Section 125 program calculator       (Pre-tax premium contribution plans)	FSA employee worksheet       (Pre-tax premium contribution plans)

Other products

Vision programs

Voluntary vision benefit programs

Employee Assistance Programs (EAP)