Weather Alert  

COASTAL FLOOD ADVISORY REMAINS IN EFFECT UNTIL MIDNIGHT EST TONIGHT * WHAT...One to locally two feet of inundation above ground level expected in vulnerable north shore communities of the twin forks of LI, north shore of LI, and north facing LI barrier island communities for today's AM and possibly PM high tides near the waterfront and shoreline. * WHERE...Northwest Suffolk, Northeast Suffolk, Southwest Suffolk, Southeast Suffolk, Northern Nassau and Southern Nassau Counties. * WHEN...Until midnight EST tonight. * COASTAL IMPACTS...Minor to locally moderate flooding is expected in the most vulnerable locations near the waterfront and shoreline. Expect around 1 to locally 2 feet of inundation above ground level in low lying, vulnerable areas. A few to several roads and low lying property including parking lots, parks, lawns and homes/businesses with basements near the waterfront will experience shallow flooding. A few cars may take on water and be damaged if not moved. * SHORELINE IMPACTS...3 to 5 ft surf likely for north shore of LI and north shore of south fork shorefront with Sat AM tides, which will likely cause beach erosion and possibly minor damage to shoreline structures. Along the oceanfront, surf should build to 4 to 8 ft tonight into Sun AM, with scattered dune erosion impacts during those tidal cycles. * ADDITIONAL DETAILS...Minor to locally moderate coastal impacts are possible for the same north shore communities of the twin forks of LI, north shore of LI, and north facing LI barrier island communities for this evening's high tides as well. There is potential for more widespread minor coastal flooding along the southern and eastern bayfront communities of Long Island with the Sunday morning high tide.

Deciding on a Health Plan Type

LongIsland.com

If you have been shopping for a health plan for your business recently you probably have become familiar with the terms HMO, POS, PPO & EPO. While these terms seem innocent enough, they are very ...

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If you have been shopping for a health plan for your business recently you probably have become familiar with the terms HMO, POS, PPO & EPO. While these terms seem innocent enough, they are very important factors in determining your plans scope of coverage's and how your employees will access their healthcare providers. Listed below are some brief descriptions of these plan types:

HMO Coverage - Under an HMO contract, members are provided services only by physicians and other providers employed or approved by the HMO. Except in an emergency, members are fully responsible for paying for all charges when they seek care outside the network.

Point-of-Service (POS) - The POS plan provides the same services as the HMO plan. It provides more flexibility because it permits you to seek treatment from providers included in your plan's network or to seek treatment outside their service network. If you seek coverage outside the network you will be sharing the cost of care with the carrier, usually through deductibles and co-insurances.

Preferred Provider Organization (PPO) - A PPO is a contractual agreement between providers of healthcare i.e. physicians, hospitals, and insurance carrier or a third party administrator. To encourage patients to use the preferred providers (network), there is full payment of covered services or reduced deductibles and co-payments. Patients are free to use a non-PPO provider if they are willing to pay higher out-of-pocket costs.

Exclusive Provider Organization (EPO) - An EPO plan has the identical contractual agreement of a PPO plan however; an EPO does not offer coverage out-of-network.

The plan design you select has a big effect on the premiums charged for each plan. A PPO plan quite often is 30% - 40% higher than an HMO plan design. Most carriers that offer plans to Long Island businesses offer all of these plan designs in some fashion. Although, POS plans that drop the requirement of a PCP referral to see a plan specialist are often incorrectly called PPO plans when they really are modified POS plans.

Remember that a Licensed Insurance broker can help your business stay on top of these different plan designs. He/She can help you select a plan that is affordable for your business and offers quality healthcare for all your employees. Brokers are compensated by carrier for their services provided to your business.