• America’s Choice $500K Plan

    The America’s Choice 500K Plan  plan is a fixed indemnity co-pay plan. The difference with this indemnity plan is that it offers co-pay’s through the PHCS network. There is a $500,000 yearly benefit limit, meaning anything beyond that the client will be responsible for.  You have 10 Dr visits each year per person. There is pharmacy coverage offered with this plan, but not all meds will be covered. To help off-set the potential out of pocket there are supplemental plans, such as an accident plan from MedElite or a hospital plan from AllState. This plan is great for those healthy individuals who are wanting a plan for “what if’s” of…

  • America’s Choice Health $5000 Bronze

    The America’s Choice Health Plan – $5000 Bronze  plan is a major medical plan, within the PHCS network. It works as a traditional co-pay plan with $25 primary care visits and $40 specialist visits. Preventive care is generally covered by this plan, if staying within network. There are also good pharmacy benefits including $10 copay for generics, $45 copay for preferred and $100 copay for non-preferred, and even some specialty drugs included. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from AllState. This plan is great for those healthy individuals who are wanting a plan for “what…

  • John Hancock – Simple Term

    Quick & Easy John Hancock offers a quick easy underwritten plan with face amounts up to $500,000.  Plans can be written for 10, 15, 20, 25 or 30 year terms, giving you several options that could work for you.  To learn all the details follow the link here to the brochure. Name Recognition One of the best parts of these plans is the name attached to them.  John Hancock is a highly recognized and regarded life insurance company, which in turn can give you some added peace of mind that you are protected.  While nothing is guaranteed being with a company that has been around for so long does help…

  • AKOS – Virtual Concierge Care

    AKOS Direct is a great option for those looking for an easy to use virtual plan. Not only do they offer 24/7 virtual Dr visits, but they also offer some meds at no cost (outside of your monthly membership fee) and 100’s of others prescriptions at a reduced cost, with delivery options. AKOS Direct also offers deep discounts for labs and imaging that rival most larger insurance companies costs. It is important to note that there is NO Hospital or ER Benefit included so it is IMPERATIVE that you do pick up a Short-Term plan, such as United, with an Allstate plan to help cover those costs if needed. With…

  • United Hospital & Surgical Plan

    The United Hospital & Surgical Plan what you might call a catastrophic plan.  It is offered through United Healthcare, one of the largest healthcare insurance providers in the country and is a Nationwide PPO plan. This plan does NOT include Dr visits.  It is a 50/50 coinsurance plan with a $75 copay for up to 2 Urgent Care visits a year. There are several deductible options, with an additional $10,000 Max Out-of-Pocket after deductible is met. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from Allstate. This plan is great for those healthy individuals who are wanting…

  • Philadelphia American Value Plan

    The Philadelphia American Optimum Health Saver plan is a unique plan giving YOU more control of your health insurance than ever before. It is an indemnity plan.  What that means is there is a specified amount the insurance company will pay for each service, office visit or procedure.  Many are outlined in the Indemnity Benefit Plan Brochure including 20 Dr visits per person, per year, excellent lab benefits and hospital benefits and some chiropractic benefits as well.  The dollar amounts listed on the left column, Value, (the plan I quoted for you) is the amount the company will pay for the specified service.  Please see brochure (click here) as I…

  • Manhattan Life Affordable Choice Enhanced Plan

    The Manhattan Affordable Choice Enhanced Plan  plan is a fixed Indemnity Plan. It offers generous First Dollar Benefits giving you the opportunity to make the best decisions for your health care options, including your Dr and Hospitals. There are 4 Plan Options, as outlined in this brochure.   The Elite Plus offers the MOST coverage, at a very budget friendly price. There is some limited pharmacy coverage offered with this plan. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan from AllState. This plan is great for those healthy individuals who are wanting a plan for “what if’s”…

  • AllState CoPay Enhanced Plan

    The AllState CoPay Enhanced Short Term plan is a more traditional private insurance plans.  It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan DOES have copay payments for Dr visits & Urgent Care visits.  Each family member can have 2 Dr visits per 12 month period.  There is a $40 copay for PCP and $60 for specialist. There are 2 deductible options $6000 & $8000 with premiums adjusted by chosen dedcutible. There is also pharmacy coverage offered with this plan. To help off-set the deductible cost there are supplemental plans, such as an accident plan from…

  • AllState Enhanced 80/20 Plan

    The AllState Enhanced Short Term plan is a more traditional private insurance plans.  It is offered through AllState, formerly National General, and accesses the Aetna Network, one of the largest networks in the nation. This plan does NOT have copay payments for Dr visits.  You are required to pay 20% of costs, after deductible, up to the max $10,000 out of pocket coinsurance.  There is a $50 access fee for Urgent Care (before deductible). There are several deductible options, the most popular being $5000 with 80/20 coinsurance and $10,000 Max Out-of-Pocket after deductible is met.  Deductible must be met for hospital stays & Dr visits before the plan covers anything.…

  • Health Insurance Terms

    Health Insurance is something we all need but it is not necessarily something we all understand. Let’s try and understand it a little more with some fun Health Terms. Cobra A health insurance program that offers eligible employees and their dependents extended health insurance coverage for the plan they’re on, in the event that they lose their job or their hours are reduced. It stands for the Consolidated Omnibus Budget Reconciliation Act of 1985, which is the law that first introduced COBRA insurance Coinsurance A percentage you’ll pay for covered health services after you’ve met your annual deductible. Many plans offer 80/20 coinsurance, covering 80% of the cost of a…