Stratford Financial Group
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STOP Buying Health Plans and START Buying Health Insurance!

"STOP Buying Health Plans and START Buying Health Insurance!"

This book is a guide with the latest techniques and strategies that show you how to save thousands on your group health insurance program.

CPA's - We are approved by both the NJ & NY Boards of Accountancy to provide CE credits to CPAs on HDHP/CDHC

Stratford Financial Group

February 9, 2010

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The Stratford Financial Group is one of New Jersey and New York's leading insurance consulting and brokerage firms. We specialize in employee benefits such as group medical insurance, dental, life, accident, short term disability, long term disability, long-term care, vision and other group insurance programs. We have been early adopters of the strategy of consumer directed healthcare. By linking up two specific healthcare components we have been able to reduce company healthcare costs without reducing benefits or increasing employee contributions for our clients.


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Swine flu vaccine covered-no co-pays or deductibles
Aetna and United HealthCare are the first two insurance companies offering swine flu vaccines to its members—for no co-pay, co-insurance or deductible. Given the critical importance of curtailing the spread of this flu, other insurers are expected to soon follow suit. Both Aetna and United Healthcare will cover the administration of the H1N1 flu vaccine for all fully-insured medical plan members, including those whose plans either don’t offer or limit coverage for preventive care.

The federal government has purchased 200 million doses of the vaccine, which will be available as a nasal spray and as a traditional needle vaccination later in October.

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Providing New Jersey employees with non-occupational short term disability (STD) benefits is required by law in the State of New Jersey. Most companies are currently paying premiums directly to the state for these temporary disability benefits. However, many employers are choosing a better way to provide their employees with the same benefit while enjoying a premium savings with faster and more accurate service. That better way is a private temporary disability plan through any one of a number of insurance carriers such as The Hartford. One sample company of roughly 100 employees saved $2,500 in premium and an additional $1,000 in annual tax assessments.

Click here for more information or to get a quote and join the many New Jersey employers already making the switch!

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Please join the Jewish Renaissance Medical Center for Their 1st Annual Dinner Cruise and Gala Honoring:

Lawrence B. Altman, Executive Director
The Horizon Foundation for New Jersey
Saturday, November 7, 2009
Aboard the Cornucopia Princess
401 Riverview Drive
Perth Amboy, NJ 08861

For further information please contact Jennifer Crutchfield at 732-376-6611 or
jcrutchfield@jrmc.us or click: JRMC Annual Dinner Cruise

Please fax response along with ad journal request to 732-293-0139.

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Get the Stratford RX card and you’ll save 10% to 85% off the regular cost of most prescription medicine. This card can be used at more than 58,000 pharmacies nationwide. And it’s completely FREE!

Stop paying outrageous prices for prescriptions!
The Stratford Financial Group has partnered with TrustScripts to offer this free Discount Card to help you pay far less for your prescriptions. The card can be a powerful tool for high-deductible health plans helping you pay for drugs during the deductible accumulation period. There are no limits on the number of prescriptions and no age or income requirements. The POWER TO SAVE is yours.

Share with employees, family and friends

Feel free to make as many copies as you’d like for your workers, friends and family or forward this e-mail on to them. And if you belong to a non-profit group, we can provide co-branded cards and make you a hero!

Happy Savings!!!
Click here to get your free card: The Stratford Discount Drug Card

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Consumer-Directed
Healthcare