INDIVIDUAL HEALTH INSURANCE PLANS
Complete health care plans for individuals and their families. Each plan is pre-packaged with the most popular medical features. There are PPO plans, Traditional plans, and plans qualified for HSA setup.
BASIC MEDICAL COVERAGE WITH “NO” CATASTROPHIC MAJOR
MEDICAL COVERAGE – CALLED A MINI-MED PLAN.
This is the LOWEST COST HEALTH PLAN. Provides coverage for the EVERYDAY HEALTH CARE COSTS of the Insured. No evidence of insurability required. Guarantees issue. No waiting period. Provider choice. All employees can participate; part-time, hourly, seasonal, or 1099 worker over 15 hours per week can participate. Premiums as low as $49.99 month.
TRADITIONAL GROUP HEALTH – EMPLOYEES 2 TO 500
Best value are plans with $750 to $2,500 deductibles. The five basic features include, Out-patient services and office visit benefits, Preventive Care benefits, Out-patient lab services, Emergency Room services, and prescription Drug card. Multiple choice plan design for groups of 5 or more.
SELF-INSURED/SELF-FUNDED PROGRAM FOR OVER 25 EMPLOYEES
Provides employers the opportunity to save on health care expenses by DIRECTLY self funding expected claims and buying stop loss insurance for claims in excess of the deposited self insured fund account. If the group’s claims are less than the funded amount there is a saving for next year. If the plan expenses exceed the calculated fund, the Stop Loss fund provided by an Insurance Company pays the claims.
SHORT TERM MEDICAL PLANS – ONE YEAR - Optional Renewal
If a person is between JOBS, waiting to become eligible for a new employers plan, laid off, on strike, seasonal employee, early retiree waiting for Medicare, this plan provides temporary health insurance for 30 – 365 days. May be renewed for two years for qualified persons.
CATASTROPHIC MAJOR MEDICAL – For Individual Purchase
Good for issue with “basic only” programs. No pre-existing conditions are covered. Protects against major illnesses. Good with Mini-Med Plans.
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F. Darrell Lindsey