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Week Ending 9/17/2021 Another 56+- Families Newly Insured

Week Ending 9/10/2021 56+- Families Newly Insured

Week Ending 8/27/2021 61+- Families Newly Insured

Week Ending 8/13/2021 72+- Families Newly Insured

Week Ending 8/6/2021 46+- Families Newly Insured

Saving YOU and Employers Money On Health Insurance

How Do We Keep Your Coverage So Affordable?  Our Healthcare solution addresses these coverage issues:

No Pregnancy Coverage for MEN (Obamacare requires this coverage)

No Coverage for a Sex Change

No Coverage for an Abortion

No Coverage for Immunizations

No Coverage for Sex Modification Drugs

60 day Wait for Wellness Coverage

Policy is Underwritten - Obama care is NOT underwritten

Example: weight limits - fairly healthy requirement - Limited number of health questions

Rider available only for Naturally Born Women to be Hospitalized during a Pregnancy

Limited Drug Rehab Coverage

Coverage Issued when you are WELL and Pays when You are SICK or Need Medical Coverage

Unlimited TELADOC Phone Service included with 24/7 access

Karis360- Patient Advocate and Bill Negotiation Services

MultiPlan- PHCS Extended Network for Additional Savings

Open Enrollment ALL Year Long

"Major Medical Coverage" as defined by Obamacare requires-

Pregnancy Coverage for MEN

Coverage for a Sex Change

Coverage for an Abortion

No Underwriting Guidelines

Coverage for Immunizations

Coverage for Sex Modification Drugs

Un-Fettered coverage for Drug Rehab

Because our policy EXCLUDES these options, this policy cannot be called Major Medical as defined by Obamacare standards

EXAMPLE RATES

Get Your Policy

WEIGHT TABLES

Affordable

Affordable

Save 30% or More

Individual Owned

Individual Owned

Client Controls Policy Coverage and Changes

 

Transparent

Transparent

Clarity on Procedure Cost and Benefits. No Surprises

Consumer Choice

Consumer Choice

Client Chooses Best health provider. No network restrictions

Government Mandated

PROBLEM

Soaring Costs

Family Premiums Now Record $20,500 Expect Double Digit 2021 Increases Deductible Rising Faster Than Premiums Costs are Crushing Consumers

Billions Wasted

Total Waste Nears $1,000,000,000
Needless Admin Wastes $265.6 Billion
Overpricing Procedures Wastes $230.7 Billion
Fraud & Low Value Care Wastes $150 Billion

Confusing Policies

ACA 20,000 Pages of Burdensome Regulation Total Lack of Transparency Complex, Fragmented Care is Failing Patients

Restricted Networks

Insurance Companies Use Multiple Networks
Limiting Network Access Control Costs
Concealing True Procedure Cost

Our Solution

SOLUTION

Affordable

Underwriting & Benefit Options Result in Big Savings Customized Benefits
Reward Medical Price Shopping
Save 25-50% Versus ACA Plans

Individually Owned

Insured Controls the Policy. Insured Decides if and when to Change or Modify Plan
Coverage Follows the Individual when Job/Employer Changes - NO COBRA

Transparency

Benefits Paid by Defined Schedule Clarify Codes CPT: Current Procedural Terminology RBRVS: Resource Based Relative Value Scale

Consumer Choice

Insured Chooses which Health Provider is Best. No Network Restrictions. Licensed Doctors and Hospitals in all 50 States

Consumer Directed Healthcare
Make "You The Client" #1 Again
Restore the Patient Doctor Relationship
Show Honest Transparent Procedure Pricing

Plan Features

Lifetime Policy Maximum $5 Million

Lifetime Policy Maximum $5 Million

Three Calendar year Maximums: $250K, $500K, $1 Million

Three Calendar year Maximums: $250K, $500K, $1 Million

Multiple Benefit Levels to Choose from: Value, Preferred, Premier

Multiple Benefit Levels to Choose from: Value, Preferred, Premier

Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits

Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits

Guaranteed Renewal to Age 65

Guaranteed Renewal to Age 65

Flexible Hospital Inpatient Deductibles to match budget: $0 - $10K

Flexible Hospital Inpatient Deductibles to match budget: $0 - $10K

Annual Premium Increases 3% or less last 6 years

Annual Premium Increases 3% or less last 6 years

Available for Individuals and Groups

Available for Individuals and Groups

Preferred Benefit Highlights

Doctor Visit & Pharmacy Benefit

  • Pays $120 for 18 Visits per Insured per calendar year, includes 6 chiropractor visits
  • Pays $150 for 2 Specialists visits per calendar year
  • Pays Generic Drugs $20 per day Brand Name Drugs $40

Wellness Preventative Care Benefit

  • Pays $250 For Annual Checkup
  • Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
  • Pays $160 for X-Rays, Diagnostic and $80 per Labororatory
  • Benefit starts 60 days after policy Effective Date

Outpatient Surgery Benefit

  • Pays Outpatient Surgical Facility $3,500 under general anesthesia or $1,500 local anesthesia
  • Pays Surgeons and Anesthesiologists based on CPT code (1x, 2x or 3x)
  • Pays MRI, CAT Scan PET $500 per

Accident & Emergency Benefit

  • Pays Hospital $4,500 per day for Injury and $3,000 for Sickness- General Room
  • Pays Hospital ICU $4,500 per day for 20 days per calendar year
  • Pays Skilled Nursing Facility $1,500 per day
Accident & Emergency Benefit

Accident & Emergency Benefit

  • Minor Accident Pays up to $4K of Actual Expenses for up to 45 days from the Accident
  • Major Accident Pays by Schedule up to policy Maximum $500,000
  • Ambulance air or ground pays up to $11K of Actual Expenses per Accident
  • Pays $300 for Urgent or Emergency Care 2 times per year Non-Accident

Catastrophic Diagnosis Benefit

  • Pays a Lump Sum upon diagnosis up to $40,000 per Adult and $10,000 per Child
  • Pays up to an Additional $250,000 in Actual Treatment Expenses
  • Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant & Renal Failure

Calendar yr maximum $500K, $0 Deductible & Copay on Outpatient. Optional benefits cost additional
*Separate Policy - Pays Benefits in addition to others

Click Here - To print the above- Health Insurance Plan Information

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