health insurance
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Health Insurance

Ever hear the phrase "Without your health, you have nothing?" We have. And we take your health insurance needs very seriously.

Our employee benefits specialists, with over 30 years of experience, deliver health plans to businesses and individuals. We are deeply committed to providing customized guidance and implementing the best solutions the industry offers. With the Affordable Care Act in place, we know what the contemporary climate entails: Compliance, Affordability, Minimal Essential Value, etc. You can count on Folks Insurance Group to consult with you on these points. We offer innovative solutions, deliver value, and provide excellent service in a manner that is cooperative, knowledgeable, and friendly.

Your health insurance needs are as unique as you and your family.

Throughout your life, you work and play hard. Having the right health insurance is essential. Let Folks Insurance Group protect your assets. As your life changes, so do your coverage needs. Our professional staff remains proactive in finding coverage that best suits your lifestyle. Please peruse our testimonials and hear what our current clients have to say.



Health Savings Account (HSA)

  • You pay into an account with pre-tax dollars.
  • You have a tax advantaged savings account, much like an IRA.
  • You have a high deductible.

Health Maintenance Organization (HMO)

  • You choose a primary care physician in the plan network.
  • You pay a set monthly amount which covers all care.
  • You also pay a small co-pay at the time of service.

Point of Service (POS)

  • You can choose a primary care physician in the plan network.
  • You can obtain healthcare services outside the network.
  • If you use services from outside the network, you must provide complete documentation and receipts for those services to be covered.

Preferred Provider Organization (PPO)

  • You choose a physician and care services from a list of preferred providers, generally at a significant cost savings.
  • You can ask for referrals to providers outside of the network who offer services at the PPO rate.
  • You can also select providers outside the network, usually at a higher cost.

Self-Directed Health Plans (SDHP)

  • You pay regularly into an account, from which you can pay for health, wellness and preventive services.
  • Money remaining in your account at the end of the year rolls over into your account for the following year.
  • You must pay for in-patient and emergency room sevices out of pocket.

Short Term Health Plans

  • You can purchase short term coverage from 30 days to one year, when you have a lapse in coverage, to pay for regular doctor visits and major medical services.
  • You can choose your health providers, clinics and hospitals.
  • You pay a deductible and coinsurance.


"My health plan renewal was Dec 1. I could not absorb another increase but at the same time I wanted my employees to feel they were insured with a comprehensive benefit plan. Important was maintaining the same doctors and hospital as my current plan. To my surprise, with Jim’s team I was able to reduce my premium costs 15% with a better plan of benefits and have a representative network. Because of Jim, all of my employees are pleased with the benefit plan offerings I provide."


Making Smart Savings Choices



33 Main Street, West Sayville, NY 11796
P: 631.589.5100 | F: 631.589.3335