Uncategorized
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Philadelphia American/New Era Plan
The Philadelphia American/New Era Plan (PAL 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 22 Dr visits per person, per year, excellent lab benefits and hospital benefits. The dollar amounts listed on the right column, Preferred, (the plan I quoted for you) is the amount the company will pay for the specified service. Please see brochure (click here) as I have highlighted benefits mentioned above on pages 2…
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AKOS Direct-Virtual Concierge Care Plan
AKOS Direct is a NEW Virtual Concierge Care Plan that includes physician visits, at home delivered meds and access to labs and imaging at reduced cost. This Concierge Care Plan cost is based on family structure. For an individual it is $79 a month, for member + spouse it is $110 a month and for a family is it $125 a month. This price includes 24/7 physician visits, FREE prescriptions delivery, no copays, unlimited dr visits and access to imaging and labs. For the complete brochure click here
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United Medical Plus Elite
The United Medical Plus Elite Plan is a 100/0 coinsurance plan with options to make it a high deductible 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 offer copay payments for Dr visits AFTER the deductible is met and $50 Urgent Care co-pay before deductible. Well exams are covered, AFTER the deductible is met There are several deductible options, the most popular being $5000. Deductible must be met for hospital stays. To help off-set the deductible cost there are supplemental plans, such as an accident plan from MedElite or a hospital plan…
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Allstate Plan Enhancers
Allstate offers some great supplemental plans to help off-set the cost of your deductible and subsequent out of pocket cost for accident and sickness related hospital stays with a lump sum payment made directly to you. Allstate offers both underwritten options with benefit levels ranging from $2500 – $17,500 and also guaranteed issue plans with a $10,000 benefit level. The underwritten plans now offer “disappearing deductibles” meaning that over time your deductible will decrease. The 1st year it is $250, the 2nd year it is $150 and the 3rd year, and beyond, is $0. There are also increased benefits amounts for ambulance services and durable medical equipment, making this a supplement…
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BCBS Advantage Gold 206
Blue Cross Blue Shield is one of the most recognizable insurance companies out there. While there corporate, or employee sponsored plans, are second to none their private plans are a little different. To start with the max-out-pocket is generally higher than some other plans, but their deductibles can be on the lower end. With that being said though, their premiums are typically higher than most other private plans. Based on your individual needs they may be the best option, but there might be another company that fits your budget a little better. This plan in particular offers a $6000 dedcutible, 50/50 coinsurance with $8700 max out-of-pocket. These plans do offer…
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Philadelphia American Flex Choice Health Plan
The Philadelphia American/New Era Plan (PAL Plan) is a unique plan giving YOU more control of your health insurance than ever before. It is an indemnity plan that is really made to pair with an ACA (or Obamacare) plan. It helps to fill in the gaps of those plans. 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 up to 6 Dr visits per person, per year, excellent lab benefits and hospital benefits. The dollar amounts listed on the left column, PLUS, (the plan I quoted for you)…
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United Short Health Hospital & Surgical Plan
The United Health Insurance Hospital & Surgical plan is a true 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 have Dr visits coverage or prescription coverage. This is a plan built for those who are looking for a true catastrophic plan that will be there for the major “what if’s” of life. There are several deductible options, the most popular being $5000 with 50/50 coinsurance and $10,000 Max Out-of-Pocket after deductible is met. You pay 50%, up to $10,000, after deductible is met. To help off-set the deductible cost there are…
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Ameritas Dental & Vision Plans
Ameritas is a leader in Dental & Vision plans and we are very excited to be partnering with them. Not only are they affordable but their coverage is second to none, even offering teeth whitening in some of their plans and some coverage from day one for fillings and even crowns on some plans. Make sure and check out their DENTAL brochure click, here. For the VISION brochure, please click, here.
