The document summarizes a supplemental medical expense plan called PremierCare. It discusses the plan's purpose of offering lower premiums without reducing medical benefits. Key advantages include a single point of contact for multiple benefits, easy billing reconciliation, and no exclusions as long as the illness is covered by the underlying medical plan. The document provides a sample benefits summary and explains how to use the quoting sheet for enrollment. It addresses common questions such as whether medical carriers will allow the plan to be sold alongside their core plans.
1. The document outlines vision insurance benefits and discounts, including coverage for eye exams, frames, lenses, and contact lenses. Discounts are only available at participating providers.
2. Members can receive in-network benefits at lower costs than out-of-network reimbursement. For out-of-network visits, members may have to pay the full retail price in some states.
3. The plan does not cover orthoptic services, medical eye treatments, safety glasses, or multiple pairs of glasses. Coverage ends if premiums are not paid, fraud is committed, or the member moves out of the plan's service area.
This document summarizes the dental and healthcare savings available through the Family Care Advantage plan. It offers two free comprehensive blood tests valued at over $529 each per year. Members also receive significant discounts on dental care, with savings of 34-66% on common procedures. Additional benefits include a $20 generic prescription card, pharmacy discounts, and 30-40% off lab and radiology services. The plan provides access to affordable preventative and healthcare services.
Medical Discount Program that covers Medical, Dental, Vision, & Prescriptions for entire family for $129.95 / Month & Individual for Only $99.95 / month. Everyone is accepted, even if you have a pre-existing condition.
This discount medical plan provides members with discounts on a wide range of medical services through contracted healthcare providers. The plan offers savings of 5-60% on physician visits, hospital services, vision, dental, chiropractic care, and more. Members simply present their membership card to receive discounted rates and have no claim forms to file.
The plan is administered by Coverdell & Company and is not available in Florida or Vermont. Hospital discounts are not available in Maryland.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
This document provides an overview of a proposed VEBA health plan for a group of dentists, including details about the two plan options, premium rates, and instructions for completing a required personal health questionnaire (PHQ). Key information includes: the VEBA plan allows for consistent nationwide coverage; the two plan options vary in deductibles and premiums; and fully and accurately completing the PHQ is important for determining acceptance into the plans.
PCA is a rapidly growing pharmacy benefit manager located in New Jersey that has added over 80 clients since launching in 2011. It aims to reduce prescription drug costs for clients while improving quality of care. PCA offers retail and mail order pharmacy services, patient savings programs, and discount cards. It prides itself on transparent cost management and client advocacy over administrator profits.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
1. The document outlines vision insurance benefits and discounts, including coverage for eye exams, frames, lenses, and contact lenses. Discounts are only available at participating providers.
2. Members can receive in-network benefits at lower costs than out-of-network reimbursement. For out-of-network visits, members may have to pay the full retail price in some states.
3. The plan does not cover orthoptic services, medical eye treatments, safety glasses, or multiple pairs of glasses. Coverage ends if premiums are not paid, fraud is committed, or the member moves out of the plan's service area.
This document summarizes the dental and healthcare savings available through the Family Care Advantage plan. It offers two free comprehensive blood tests valued at over $529 each per year. Members also receive significant discounts on dental care, with savings of 34-66% on common procedures. Additional benefits include a $20 generic prescription card, pharmacy discounts, and 30-40% off lab and radiology services. The plan provides access to affordable preventative and healthcare services.
Medical Discount Program that covers Medical, Dental, Vision, & Prescriptions for entire family for $129.95 / Month & Individual for Only $99.95 / month. Everyone is accepted, even if you have a pre-existing condition.
This discount medical plan provides members with discounts on a wide range of medical services through contracted healthcare providers. The plan offers savings of 5-60% on physician visits, hospital services, vision, dental, chiropractic care, and more. Members simply present their membership card to receive discounted rates and have no claim forms to file.
The plan is administered by Coverdell & Company and is not available in Florida or Vermont. Hospital discounts are not available in Maryland.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
This document provides an overview of a proposed VEBA health plan for a group of dentists, including details about the two plan options, premium rates, and instructions for completing a required personal health questionnaire (PHQ). Key information includes: the VEBA plan allows for consistent nationwide coverage; the two plan options vary in deductibles and premiums; and fully and accurately completing the PHQ is important for determining acceptance into the plans.
PCA is a rapidly growing pharmacy benefit manager located in New Jersey that has added over 80 clients since launching in 2011. It aims to reduce prescription drug costs for clients while improving quality of care. PCA offers retail and mail order pharmacy services, patient savings programs, and discount cards. It prides itself on transparent cost management and client advocacy over administrator profits.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
The document provides information about benefit plans and elections for Advanced Battery Technologies employees. It outlines the plan year and deductible periods for medical benefits, as well as times when employees can make changes to their pre-tax benefits. Qualifying life events that allow mid-year benefit changes are also defined. The summary also reviews the company's benefit offerings, including medical, dental, vision, life and disability insurance, retirement plans, and flexible spending accounts. Details are provided on the various medical plan options, associated costs, and key features of the dental, vision, life and disability benefits.
This document provides information about open enrollment for Outwest Express' 2018 benefit plans. It emphasizes that all employees must either enroll in benefit plans or waive coverage, as required by the Affordable Care Act. If no action is taken, employees will be automatically enrolled in the PPO5000 health plan. The document reviews the company's medical, dental, vision, life insurance, and disability plans and premium costs. It stresses the importance of using in-network providers to lower costs.
Advanced Battery Technologies is holding its annual open enrollment for the upcoming plan year. Employees can choose from four medical plans - a Traditional plan, two High Deductible Health Plans, and a new HMO plan. The company also offers dental and vision insurance that employees pay for, as well as disability, life, and other benefits that the company pays for. The open enrollment materials provide details about costs and coverage for each medical plan option.
This document provides a summary of employee benefits for 2012, including medical, dental, vision, life and disability insurance. It outlines the various plan options for medical coverage through Health Plus, including HMO, PPO, and high deductible plans. Details are provided on costs, networks, deductibles, and out-of-pocket maximums. Other benefits like dental through Assurant, vision through NVA, and life and disability through Mutual of Omaha are also summarized. Information is included on enrollment timelines and carriers' contact information.
This document provides an overview of health and welfare benefits as well as retirement and savings plans offered by Lincoln. The benefits include medical, dental, vision, life and disability insurance, as well as 401k, pension, and deferred compensation plans. Premiums, contributions and eligibility requirements vary depending on factors such as income level and years of service. The plans are subject to amendment by Lincoln and the official plan documents will govern in all cases.
The document proposes a supplemental medical insurance plan called Solutions Plus+ Gap to cover deductibles, copays, and coinsurance for employees. It would stabilize costs for employees and control costs for employers. The plan includes a $5,000 hospital confinement benefit and $2,500 outpatient benefit. For one client, this plan would save $52,000 annually by lowering premiums from $337,000 to $285,000. The document also proposes bundling accidental injury and critical illness coverage with the medical gap plan to create additional value and revenue.
This document provides information about an NHS top-up insurance plan offered by Western Provident Association Limited (WPA) including details on benefits, premiums, and exclusions. Key points include:
- The plan provides reimbursement for everyday healthcare costs like dental, optical, therapies and more.
- It also includes an employee assistance program (EAP) with counselling and other services.
- Premiums start at less than £1 per week per employee.
- Benefits are provided at three different reimbursement levels.
- Additional benefits like health screens, cancer drugs coverage and European travel coverage can be added.
- Exclusions include chronic conditions, childbirth/fertility, and psychiatric conditions
The document describes a supplemental medical insurance plan called Solutions Plus+ Gap that covers deductibles, co-payments, and co-insurance for employees. It provides value to employees by reducing out-of-pocket costs, employers by immediately lowering healthcare benefit costs and providing a multi-year strategy to control costs, and brokers by offering a unique solution to obtain new clients and increase revenue. The plan includes hospital confinement and outpatient benefits with examples of covered expenses. Claims examples show how the plan reduces individuals' costs to zero. It guarantees issue, has no medical underwriting, and can be bundled with accident and critical illness plans to address other client insurance needs.
The document describes Renco Direct Healthcare, a non-insurance alternative that offers lower-cost healthcare options. It provides savings on services like doctor visits, prescriptions, dental care, and vision care. Customers pay $88 per month for access to these savings programs. The document outlines the services offered and provides examples of how much money customers can save compared to traditional health insurance plans.
This document provides a sample dental comparison chart for California Region 2 that compares usual fees for common dental procedures to the discounted fees available through the Family Care Choice plan. The chart shows savings of 20-66% on procedures like cleanings, x-rays, fillings, crowns, root canals, extractions, and orthodontics. The plan also offers two free comprehensive blood tests valued at over $529 each per year for members and spouses, as well as discounts on services like physician visits, chiropractic care, vision, hearing, pharmacy, pet care, and more.
This document provides a benefits review and medical market survey for a company. It includes the company's current medical plan information and renewal options from several carriers, including Humana, Aetna, and Blue Cross Blue Shield. Monthly rates for employee only, employee+spouse, employee+child(ren) and employee+family coverage are presented for current and renewal plans.
Valente provides employees with several benefits options including:
- 401(k) matching up to 3% of salary and Roth 401k option
- Voluntary life, short-term disability, and long-term disability insurance
- Three medical plans through Aetna with different costs and coverage levels
- Two dental plans through Principal - a buy-up plan with higher coverage and a base plan
- Vision coverage, flexible spending account, and employee assistance program
Valente provides employees with several benefits options including:
- A 401(k) plan with company matching up to 3% of salary and a Roth 401(k) option.
- Life, disability, and medical insurance through Aetna with three plan levels - Buy-up, Base, and Value.
- Dental insurance through Principal with Buy-up and Base plans.
- A Flexible Spending Account for childcare and medical expenses.
- Vision coverage and Employee Assistance Program through Aetna.
The document discusses Saint Michael's College's health plan for the 2011 plan year. It is provided by CIGNA and includes a Choice Fund HRA plan. The plan has a deductible and coinsurance structure, with preventive care covered at 100%. Saint Michael's provides an HRA to help cover out-of-pocket costs, and employees can earn additional funds in a Healthy Awards Account by completing health activities. The document reviews coverage details, how the HRA and HAA work, prescription benefits, and vision coverage.
American Community provides health insurance plans. It was established in 1938 and is headquartered in Livonia, MI. It offers flexible health insurance plans called Community Flex in 12 states currently and will expand to 13 states in January 2009. The plans have different deductible levels and cover things like office visits, prescription drugs, and dental coverage as options. Contact information is provided for representatives in different states.
This document provides information about Medicare Parts A, B, C, and D. Part A covers hospital insurance with no premium, but has deductibles and co-insurance costs for inpatient care. Part B covers medical insurance with a monthly premium and annual deductible, covering 80% of costs. Part D prescription drug plans have a standard benefit including deductibles, coverage gaps, and catastrophic coverage. Medicare Advantage Plans through private insurers provide all Medicare benefits, while Medigap supplements provide additional coverage to Original Medicare. Those eligible can contact an agent for assistance choosing the best plan.
The document describes a flexible health benefits program that allows employees to choose their level of health, dental, and retirement coverage based on their individual needs and priorities, including options for health and dental plans with different coverage levels and costs. It provides details on the base life and disability benefits as well as the components and costs of three health and dental plan options - affordable, beneficial, and comprehensive. Employees select their preferred plan by indicating their choice on a personal benefits selection form.
Choosing the right health insurance company is important as it determines the stability, longevity, and focus of the provider. Companies that have been in business for decades have more experience handling health insurance complexities. Freedom Life Insurance is part of a company with over 50 years in business. It is also financially stable with an A rating for claims paying ability. As a company solely focused on health insurance, Freedom Life can ensure it does the business right to stay successful and serve its over 15 million customers and pay over $1 billion in claims.
The document is ReachLocal's 2012-2013 employee benefits booklet. It provides an overview and details of the company's medical, dental, vision, life and disability insurance, and retirement plans. Eligible employees can enroll or change their benefit elections during the upcoming Open Enrollment period. The booklet reviews the various medical, dental and vision plan options available to employees and their costs.
The CFE Complémentaire combines reimbursements from CFE and WellAway plans to cover most medical expenses. It offers three plans - Premier, Prestige, and Elite - with varying deductibles, coinsurance rates, and out-of-pocket maximums. CFE reimbursements help cover costs according to a fee schedule. Examples show how costs are paid for a physician visit, medical imaging, and hospitalization with reimbursements from both CFE and the WellAway plan reducing and potentially eliminating out-of-pocket costs.
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Similar to Intro to premier care supplemental medical plan
The document provides information about benefit plans and elections for Advanced Battery Technologies employees. It outlines the plan year and deductible periods for medical benefits, as well as times when employees can make changes to their pre-tax benefits. Qualifying life events that allow mid-year benefit changes are also defined. The summary also reviews the company's benefit offerings, including medical, dental, vision, life and disability insurance, retirement plans, and flexible spending accounts. Details are provided on the various medical plan options, associated costs, and key features of the dental, vision, life and disability benefits.
This document provides information about open enrollment for Outwest Express' 2018 benefit plans. It emphasizes that all employees must either enroll in benefit plans or waive coverage, as required by the Affordable Care Act. If no action is taken, employees will be automatically enrolled in the PPO5000 health plan. The document reviews the company's medical, dental, vision, life insurance, and disability plans and premium costs. It stresses the importance of using in-network providers to lower costs.
Advanced Battery Technologies is holding its annual open enrollment for the upcoming plan year. Employees can choose from four medical plans - a Traditional plan, two High Deductible Health Plans, and a new HMO plan. The company also offers dental and vision insurance that employees pay for, as well as disability, life, and other benefits that the company pays for. The open enrollment materials provide details about costs and coverage for each medical plan option.
This document provides a summary of employee benefits for 2012, including medical, dental, vision, life and disability insurance. It outlines the various plan options for medical coverage through Health Plus, including HMO, PPO, and high deductible plans. Details are provided on costs, networks, deductibles, and out-of-pocket maximums. Other benefits like dental through Assurant, vision through NVA, and life and disability through Mutual of Omaha are also summarized. Information is included on enrollment timelines and carriers' contact information.
This document provides an overview of health and welfare benefits as well as retirement and savings plans offered by Lincoln. The benefits include medical, dental, vision, life and disability insurance, as well as 401k, pension, and deferred compensation plans. Premiums, contributions and eligibility requirements vary depending on factors such as income level and years of service. The plans are subject to amendment by Lincoln and the official plan documents will govern in all cases.
The document proposes a supplemental medical insurance plan called Solutions Plus+ Gap to cover deductibles, copays, and coinsurance for employees. It would stabilize costs for employees and control costs for employers. The plan includes a $5,000 hospital confinement benefit and $2,500 outpatient benefit. For one client, this plan would save $52,000 annually by lowering premiums from $337,000 to $285,000. The document also proposes bundling accidental injury and critical illness coverage with the medical gap plan to create additional value and revenue.
This document provides information about an NHS top-up insurance plan offered by Western Provident Association Limited (WPA) including details on benefits, premiums, and exclusions. Key points include:
- The plan provides reimbursement for everyday healthcare costs like dental, optical, therapies and more.
- It also includes an employee assistance program (EAP) with counselling and other services.
- Premiums start at less than £1 per week per employee.
- Benefits are provided at three different reimbursement levels.
- Additional benefits like health screens, cancer drugs coverage and European travel coverage can be added.
- Exclusions include chronic conditions, childbirth/fertility, and psychiatric conditions
The document describes a supplemental medical insurance plan called Solutions Plus+ Gap that covers deductibles, co-payments, and co-insurance for employees. It provides value to employees by reducing out-of-pocket costs, employers by immediately lowering healthcare benefit costs and providing a multi-year strategy to control costs, and brokers by offering a unique solution to obtain new clients and increase revenue. The plan includes hospital confinement and outpatient benefits with examples of covered expenses. Claims examples show how the plan reduces individuals' costs to zero. It guarantees issue, has no medical underwriting, and can be bundled with accident and critical illness plans to address other client insurance needs.
The document describes Renco Direct Healthcare, a non-insurance alternative that offers lower-cost healthcare options. It provides savings on services like doctor visits, prescriptions, dental care, and vision care. Customers pay $88 per month for access to these savings programs. The document outlines the services offered and provides examples of how much money customers can save compared to traditional health insurance plans.
This document provides a sample dental comparison chart for California Region 2 that compares usual fees for common dental procedures to the discounted fees available through the Family Care Choice plan. The chart shows savings of 20-66% on procedures like cleanings, x-rays, fillings, crowns, root canals, extractions, and orthodontics. The plan also offers two free comprehensive blood tests valued at over $529 each per year for members and spouses, as well as discounts on services like physician visits, chiropractic care, vision, hearing, pharmacy, pet care, and more.
This document provides a benefits review and medical market survey for a company. It includes the company's current medical plan information and renewal options from several carriers, including Humana, Aetna, and Blue Cross Blue Shield. Monthly rates for employee only, employee+spouse, employee+child(ren) and employee+family coverage are presented for current and renewal plans.
Valente provides employees with several benefits options including:
- 401(k) matching up to 3% of salary and Roth 401k option
- Voluntary life, short-term disability, and long-term disability insurance
- Three medical plans through Aetna with different costs and coverage levels
- Two dental plans through Principal - a buy-up plan with higher coverage and a base plan
- Vision coverage, flexible spending account, and employee assistance program
Valente provides employees with several benefits options including:
- A 401(k) plan with company matching up to 3% of salary and a Roth 401(k) option.
- Life, disability, and medical insurance through Aetna with three plan levels - Buy-up, Base, and Value.
- Dental insurance through Principal with Buy-up and Base plans.
- A Flexible Spending Account for childcare and medical expenses.
- Vision coverage and Employee Assistance Program through Aetna.
The document discusses Saint Michael's College's health plan for the 2011 plan year. It is provided by CIGNA and includes a Choice Fund HRA plan. The plan has a deductible and coinsurance structure, with preventive care covered at 100%. Saint Michael's provides an HRA to help cover out-of-pocket costs, and employees can earn additional funds in a Healthy Awards Account by completing health activities. The document reviews coverage details, how the HRA and HAA work, prescription benefits, and vision coverage.
American Community provides health insurance plans. It was established in 1938 and is headquartered in Livonia, MI. It offers flexible health insurance plans called Community Flex in 12 states currently and will expand to 13 states in January 2009. The plans have different deductible levels and cover things like office visits, prescription drugs, and dental coverage as options. Contact information is provided for representatives in different states.
This document provides information about Medicare Parts A, B, C, and D. Part A covers hospital insurance with no premium, but has deductibles and co-insurance costs for inpatient care. Part B covers medical insurance with a monthly premium and annual deductible, covering 80% of costs. Part D prescription drug plans have a standard benefit including deductibles, coverage gaps, and catastrophic coverage. Medicare Advantage Plans through private insurers provide all Medicare benefits, while Medigap supplements provide additional coverage to Original Medicare. Those eligible can contact an agent for assistance choosing the best plan.
The document describes a flexible health benefits program that allows employees to choose their level of health, dental, and retirement coverage based on their individual needs and priorities, including options for health and dental plans with different coverage levels and costs. It provides details on the base life and disability benefits as well as the components and costs of three health and dental plan options - affordable, beneficial, and comprehensive. Employees select their preferred plan by indicating their choice on a personal benefits selection form.
Choosing the right health insurance company is important as it determines the stability, longevity, and focus of the provider. Companies that have been in business for decades have more experience handling health insurance complexities. Freedom Life Insurance is part of a company with over 50 years in business. It is also financially stable with an A rating for claims paying ability. As a company solely focused on health insurance, Freedom Life can ensure it does the business right to stay successful and serve its over 15 million customers and pay over $1 billion in claims.
The document is ReachLocal's 2012-2013 employee benefits booklet. It provides an overview and details of the company's medical, dental, vision, life and disability insurance, and retirement plans. Eligible employees can enroll or change their benefit elections during the upcoming Open Enrollment period. The booklet reviews the various medical, dental and vision plan options available to employees and their costs.
The CFE Complémentaire combines reimbursements from CFE and WellAway plans to cover most medical expenses. It offers three plans - Premier, Prestige, and Elite - with varying deductibles, coinsurance rates, and out-of-pocket maximums. CFE reimbursements help cover costs according to a fee schedule. Examples show how costs are paid for a physician visit, medical imaging, and hospitalization with reimbursements from both CFE and the WellAway plan reducing and potentially eliminating out-of-pocket costs.
Similar to Intro to premier care supplemental medical plan (20)
2. Agenda
Purpose of PremierCare Supplement Plan
Key Advantages
Explanation of the Benefits
How to Use the Quote Sheet
Commonly Ask Question
3. Purpose of PremierCare*
To offer an employer lower monthly
premiums without reducing the
employees overall medical benefits.
To simplify the explanation of the Gap
Plan to your clients.
Simple and Easy
*Available January 1, 2013, pending CA DOI approval.
4. Our Product
Paysa percentage of the members
medical deductible and/or coinsurance,
(or copays over $100) up to a calendar
year amount. Similar to our dental plans.
50% 60% 70% 80% 90% 100%
$500 to $500 to $500 to $500 to $500 to $500 to
$10,000 $10,000 $10,000 $10,000 $10,000 $10,000
5. Key Advantages
Single Point of Contact: (Your Account Manager)
Supplemental Medical
Dental
Vision
Easy Billing Reconciliation
RX Rider
Pays the deductible on the RX plan
Separate benefit and maximum
Percentage must match Supplement Plan
Not available if 100% benefit is purchased.
50% 60% 70% 80% 90%
$150 up $150 up $150 up $150 up $150 up
to $2,000 to $2,000 to $2,000 to $2,000 to $2,000
6. Key Advantages
Package Discounts
New Business(all products new to Premier)
5% off Dental Manual Rate (And)
5% off Supplemental Medical
Currently a Premier Dental Customer
5% of Supplemental Medical
No Limitations on Outpatient
The maximum applies for both inpatient and
outpatient services
7. Key Advantages
No Exclusions*
If the illness or injury is covered by the
underlying medical plan, then it is a
covered benefit with PremierCare. In
regards to PPO plans, PremierCare only
pays for In-Network Providers.
*See brochure for complete details of coverage limitations
8. Sample Benefit Summary Example of ABC Company
Carrier Type PPO PremierCare Employee Out-of- Pocket
90%* to $7,000
Annual Deductible IN-Network Only IN-Network Only IN-Network Only
Individual $5,000 90% $500
Family $10,000 90% $1,000
Outpatient/Prof Services
Physician Office Visit $45 Copay $0 $45 Copay
Preventative Care No Charge N/A $0
Rehabilitative Services 45% (after ded.) 90% of Charges 10%
Lab, X-ray, other Test 45% (after ded.) 90% of Charges 10%
Hospital Services
Inpatient Hospital 45% (after ded) 90% of Charges 10%
Outpatient Surgery 45% (after ded) 90% of Charges 10%
Emergency Room 45% (after ded) 90% of Charges 10%
Mental Health
Inpatient 45% (after ded) 90% of Charges 10%
Prescription Drugs
Tier 1 $10 Copay N/A $10 Copay
Tier 2 $45 (after RX Ded) 90% of Ded $45 copay + 10% Ded.
Tier 3 $65 (after RX Ded) 90% of Ded $65 + 10% of Ded
RX Deductible $500 90% 10%
Max Out of Pocket $8,000 $1,000
$16,000 $2,000
* 90% of the Patients Responsibility
12. Underwriting Guidelines
Minimum of 5 employees or 20% whichever is greater
Plan supplements fully insured HMO and PPO
medical plans
Age and dependent status are need to quote
Plans are sold on an employer sponsored or
voluntary basis
Rates are guaranteed for 12 months
PremierCare's annual maximum benefit must be less
than or equal to the Out of Pocket Limit of the
underlying major medical plan.
Ineligible Groups/Industries: Legal services with less
than 25 enrolled employees, associations and
multiple employer trusts.
13. Our Biggest Question?
MedicalCarriers won’t allow me to sell a
medical gap plan next to their core plan?
14. Our Suggestion
If the medical carriers says you can not sell a
medical gap plan next to their plan, we suggest
the following:
Agree with them
Request a copy of the letter from the Department
of Insurance stating that they can prohibit gap
plans for their products.
You need this letter to protect yourself from brokers
who may try to sell your clients gap plans in the
future.
Thank them for their assistance
If you receive a letter from the Department of
Insurance agreeing with their statement, please
forward to us. We would love to share this with
other partners in the business.
15. Key Advantages
(continued)
Profit Sharing
PremierCare is offering up to 15% of the
profits to their brokers. This benefit is
available for our medical and dental
products. Please requests our Profit Sharing
brochure for complete details.
16. For Additional Information
Please contact your
Local Account Executive
or call
Premier Access Insurance Company
P: (888) 326-3210
E: Sales@Premierlife.com
www.premierlife.com