for employers, association/affinity groups, and direct to consumer marketers that provide employees/members with the valuable services and features they desire.
Level Self Funded Plans
These plans give employers the ability to provide quality health benefits at a fraction of the cost of traditional insurance plans while providing stop/loss protection; plus a potential partial refund of the unused claims fund. Plans can be ACA Qualified and can provide coverage equivalent to major medical plans.
Medical Sharing Plans
These plans provide benefits for both everyday and comprehensive healthcare. These are not insurance plans and are not ACA qualified by themselves. The cost of benefits is lower than traditional insurance health plans but plans have specific health/lifestyle exclusions, limitations and requirements.
Limited Medical Plans
These plans are fully insured and provide limited healthcare coverage for a specific set of out-patient and/or in-patient benefits. These plans are very cost effective for employees/members and in most cases are guaranteed issued meaning that there are no medical pre-requisites or exams required.
Short Term Medical Plans
Short term medical insurance plans, also known as GAP Plans, are a supplemental health plan that helps to cover the out-of-pocket expense for people and businesses with high-deductible healthcare plans. These plans provide both in-patient and out-patient benefits.
Wellness/Preventive Care Plans
These plans provide basic wellness and preventive healthcare services plus doctor visits either with a primary care physician or urgent care clinic. This is a fully insured health plan designed for everyday basic medical needs. These plans do not provide benefits for emergency or chronic medical care needs.
Prescription Drug Plans
These plans are available both as a fully insured benefit, as well as discounted benefit plan option. In either instance the prescription drug plan will provide employees/members with the ability to minimize the high cost of Rx medications and out-of-pocket expense.
Critical Illness Plans
Critical illness insurance, also known as catastrophic care plans, specifically cover the insured in the event of a diagnosis of a catastrophic illness such heart attack, stroke, or cancer. These plans pay out a lump sum benefit ($5k - $50k) directly to the insured at the time of diagnosis.
Hospital Indemnity Plans
Hospital Indemnity insurance plans, also known as hospitalizaion or hospital plans, are insurance plans that pays limited benefits when you are confined to a hospital for treatment. This is an in-patient benefit only and is not an ACA Qualified plan.
Short Term Disability Plans
Short Term Disability insurance plans provide income replacement for non-work related injuries that result in your inability to work for a specific time period. Benefits are paid to you as a percentage of your monthly income for a maximum period up to 6 or 12 months.
Dental Insurance Plans
Dental insurance plans typically pay benefits at 100%, 80%, and 50% based upon the type of dental procedure received and have a maximum annual benefit amount for all services per insured of $1500, $2500, or $5000 depending on the coverage selected. Plans include child orthodontia.
Vision Insurance Plans
Vision insurance plans cover the costs associated with routine eye exams, eye glasses, contact lens, and occassionally procedures such as LASIK or PRK. These plans do not cover medical needs related to eye injuries or illness.
Accidental death and dismemberment insurance plans pay benefits to the beneficiary if the cause of death is an accident or for dismemberment of the insured. Dismemberment can include the loss, or the loss of use, of body parts or bodily functions of limbs, speech, eyesight, hearing, etc.
Telemedicine provide access to US doctors via phone, video conference call, or email for non-emergency and non-chronic acute injuries or illness; and over the phone Rx when medically necessary. These plans a very cost effective as a stand-alone product and are an excellent add-on to limited medical or health plans for the convenience they provide.
Patient advocacy plans provide a valuable benefit by helping employees/members ensure they are being properly charged for medical services and procedures. This services helps to eliminate unnecessary medical charges and reduce overcharging for medical services.
Accident insurance plans pay benefits for accident related injuries that occur off-the-job. These plans can pay benefits as a lump sum payment to you up to the maximum dollar benefit of the plan, or as an expense incurred benefit. These plans are often used as means to minimize out-of-pocket medical costs.