Health Insurance
Medical
The ACA Marketplace can be overwhelming. We offer 5 tiers of ACA compliant primary insurance plans with affordable premiums as an alternative to the Marketplace. These plans are self-funded, group health plans we offer to individuals who join the group. They all offer preventive and wellness coverage as mandated by the ACA at no cost to you.
Plan 1
This plan adds 5 copays for outpatient office visits plus an additional 5 copays for basic labs and x-rays to the preventive and wellness benefits.
Plan 2
This plan offers unlimited copays for several services such as outpatient office visits, labs, and mental health visits in addition to the preventive and wellness benefits.
Plan 3
This plan offers limited copays for outpatient services plus some hospital coverage including 3 days of inpatient hospitalization, 1 outpatient surgery, and 1 inpatient surgery in addition to the preventive and wellness benefits.
Plan 4
This is a high deductible plan that offers 100% coverage on most services after meeting the deductible plus copays for other services in addition to the preventive and wellness benefits.
Plan 5
This plan has a lower deductible and offers 80% coverage on most services after meeting the deductible plus copays for other services in addition to the preventive and wellness benefits.
H.I.P.
This policy is designed to pay cash benefits when an employee is hospitalized or receives other medical treatment covered under the policy and provides cash benefits with streamlined flexibility from day one.
Featuring
- Supplements existing medical coverage by filling gaps created by rising:
- Deductibles
- Increasing co-payments
- Higher out-of- pocket maximums
- Benefits are paid directly to the employee or medical service provider and are not coordinated with any other form of insurance
- Use the cash benefits as needed to cover:
- Out-of-pocket medical expenses
- Everyday living expenses
- Unexpected expenses