Health Benefit Plans
Consumers today have several excellent alternatives to major medical insurance which are available to those who cannot afford or cannot qualify for the more expensive “Cadillac” plans. While major medical insurance is the best option for catastrophic coverage, it is not always appropriate for individuals who wish to minimize their monthly expenditures or who have pre-existing health concerns.
Indemnity plans, group association plans, and other health benefit plans provide coverage in all areas of traditional health services but do so only up to certain yearly limits. They provide first-dollar coverage for hospitalization and surgical expenses, steep discounts on medical services and prescription medicines, membership in the nation’s largest PPO provider networks, coverage for doctor visits, chiropracty, vision, dental, and more. But the benefits are not unlimited. These plans pay set amounts for costs associated with illness and injury and after the specified benefits are exhausted, the plan stops paying until the policy year renews again.
These plans have lower, fixed monthly premiums compared to major medical insurance and often provide up to $60,000 annually in total benefits for half the cost of major medical insurance with no deductibles to pay. They also guarantee a set monthly premium that will not be raised so long as you remain enrolled. Furthermore, they do not exclude coverage for individuals who have pre-existing health conditions. Health Option One is a leading example of this type of provider, and our agency is a premier vendor of Health Option plans. Plan terms vary from state to state, so if you are looking for a health coverage that provides first-dollar coverage at a relatively low, fixed monthly membership premium, with no price penalties for pre-existing conditions, call us now to learn more.
Consumers today have several excellent alternatives to major medical insurance which are available to those who cannot afford or cannot qualify for the more expensive “Cadillac” plans. While major medical insurance is the best option for catastrophic coverage, it is not always appropriate for individuals who wish to minimize their monthly expenditures or who have pre-existing health concerns.
Indemnity plans, group association plans, and other health benefit plans provide coverage in all areas of traditional health services but do so only up to certain yearly limits. They provide first-dollar coverage for hospitalization and surgical expenses, steep discounts on medical services and prescription medicines, membership in the nation’s largest PPO provider networks, coverage for doctor visits, chiropracty, vision, dental, and more. But the benefits are not unlimited. These plans pay set amounts for costs associated with illness and injury and after the specified benefits are exhausted, the plan stops paying until the policy year renews again.
These plans have lower, fixed monthly premiums compared to major medical insurance and often provide up to $60,000 annually in total benefits for half the cost of major medical insurance with no deductibles to pay. They also guarantee a set monthly premium that will not be raised so long as you remain enrolled. Furthermore, they do not exclude coverage for individuals who have pre-existing health conditions. Health Option One is a leading example of this type of provider, and our agency is a premier vendor of Health Option plans. Plan terms vary from state to state, so if you are looking for a health coverage that provides first-dollar coverage at a relatively low, fixed monthly membership premium, with no price penalties for pre-existing conditions, call us now to learn more.