Limited Medical Plans
Traditional group medical premium increases are in the double digits and as a result current medical trends are unsustainable. Our fixed indemnity limited benefit medical plans are designed to cover employees traditionally not offered major medical or for employers who can no longer afford major medical plans.
We will utilize a group’s previous medical experience and demographics to customize limited medical plans for your clients. Our case-by-case approach combined with proven administrators, who are experienced with high-turnover industries, has made us a leading provider of these types of programs. Our seven carrier limited medical portfolio will meet almost any clients' needs.
We have been nationally recognized for our ability to serve groups both large and small. The large groups require a high level of payroll flexibility, claims administration and the ability to integrate employee benefit platforms.
Product Highlights:
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This is an “Excepted” plan and is not subject to PPACA requirements
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PPO Network (Network use not required)
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Prescription Benefits
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No Pre-Existing Condition Limitations
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Guarantee Issue
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First Dollar Coverage
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Discounts Available for Network Provider Use
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No Deductibles or Co-insurance
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No Benefit Waiting Periods
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No Coordination of Benefits - Plan pays in addition to other insurance you may have
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Discounted Health Services
Product Differentiators:
Benefits at a Glance:
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In-Hospital – Pays $100 - $2,000 per day
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Dr. Office Visits – Pays $40 - $100 per visit
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Surgical – Pays up to $500 - $5,000 per surgery
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Hospital Admission – Pays $500 - $5,000 per admission
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Diagnostic Tests, X-Rays and Lab Work– Pays $40 - $300 per visit
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Preventive Care – Pays $100 - $300 per visit
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Emergency Room Sickness – Pays $75 - $200 per visit
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Accidental Injury Care – Pays up to $500 - $1,000 per occurrence
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Intensive Care Unit – Pays $100 - $1,000 per day