Corporate

Health Insurance Options
Bremer Insurance offers individual and group policies that can cover costs related to health, dental, vision, disability, cancer and accidents.

We also offer options to defray out of pocket expenses. Most health insurance contracts have deductibles and coinsurance to be paid by the insured, and many do not provide much, if any, coverage for dental, vision, disability, or even some expenses related to cancer and accidents.

• Health Savings Accounts (HSA's): Growing in popularity, this tax advantaged option can be used to pay for expenses not covered by your health insurance.
• Separate coverage: Bremer can help you review proposals for specific coverage in any area you desire.
• Disability insurance: You should consider protecting your biggest asset, your income. It’s important to note that if you are 35, you are six times more likely to become disabled than you are to die before you reach age 65 according to the American Council of Life Insurers.

Individual Policies
Individual insurance is purchased by those who have to provide health insurance for themselves, for instance, if you are self-employed; if you work for a small business that does not provide a health plan; if you have a family and want individual insurance; or if you are retired. Various plans exist, including short term plans, high deductible plans, and coverage that supplements Medicare. Whatever plan you have, think of it as a contract between you and your insurance company in which you both consent to all the agreements made when setting up the plan. As such, you are well-advised to periodically perform a careful review of your plan with the help of a trained agent.

Group Policies
Employers that provide employees benefits often include a combination of health, dental, vision, disability, cancer and accident coverage, as well as other coverages including life insurance, group home/auto and long term care. Providing and managing valuable employee benefits at an affordable cost to the employer and employees can be a challenge. Bremer’s benefits staff has expertise in providing employee benefits solutions, and can help businesses save time and money by providing the know-how and tools to manage all aspects of their benefits program.

To talk to a Bremer agent, call 1-800-908-BANK (2265) or visit the Bremer location nearest you.

Products and services offered through Bremer Insurance are not insured by FDIC, are not a deposit or other obligation of, or guaranteed by, the depository institution, and are subject to investment risks including possible loss of the principal amount invested.