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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 $750 dedcutible, 60/40 coinsurance with $8700 max out-of-pocket. These plans do offer…
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United Dental Plans
United Health offers some of the BEST dental & vision plans out there with Nationwide PPO plans and some plans even offering benefits for ortho and implants. Preventative Care of covered completely on all of the plans with basic, major and more extensive benefit levels available depending on the plan you choose. For Premier Plan Brochure click here. For Primary Plan Brochure click here. The Vision benefits are also very extensive. Plan A has been included in your dental quote, if you would like to upgrade to Plan B let me know and we can adjust pricing. For Vison Brochure click here.
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MedElite Accident Protection
MedElite offers guaranteed issue (no underwriting required) accident plans to help off-set the potential out of pocket costs for hospital and/or urgent care visits with a one time lump sum payout. With premiums ranging from $50 – $160 based on benefit level & family size these plans are a great cost effective option to help keep your cost lower. One pay out per person is allowed per year. Almost 75% of all ER visits for those under 45 are accident related ranging from twisted ankles to food poisoning to car accidents, so having an accident plan makes sense, especially for families … you just never know what is going to…
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NatGen Plan Enhancers
National General (NatGen) 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. NatGen offers both underwritten options with benefit levels ranging from $2500 – $17,500 and also guaranteed issue plans with a $10,000 benefit level. Being that a lot of private plans offer higher deductibles these supplements are a viable solution to help patients receive the care they need without having to pay the high deductible out of their pocket directly. Premiums vary based on benefit level selected and based on underwriting. Plans do…
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United Tri-Term Plan
Tri-Term Plans are a great solution for those individuals who are looking for a consistent premium for an extended period of time. Each plan offers a guaranteed rate for 3 years. The most popular of the Tri-Term-Term plans is the CoPay Select Max Plan. It offers several deductible options, with the $7500 being the most popular and 70/30 coinsurance and $4500 man out-of-pocket after deductible, premiums change based on deductible you choose. There is a $50 copay for Dr visits per person, per term for 4 visits. There is also $75 copay for unlimited urgent care visits. $50 copay for well exams, 1 per person per term is also available.…
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United CoPay Plan
The United CoPay Plan is one of the more traditional private insurance plans. 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 & Urgent Care visits. There are 4 Dr visits allowed per person, per year and unlimited Urgent Care visits. Well exams are not covered. There are several deductible options, the most popular being $7500 with 80/20 coinsurance and $5000 Max Out-of-Pocket after deductible is met. Deductible must be met for hospital stays. To help off-set the deductible cost there are supplemental plans, such as an accident…
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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…
