"Good
coverage at an affordable premium"
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With medical costs rising every month, almost all
health plans are a PPO Policy these days. 
These were designed to try to reduce the cost of health care expenses and
premiums for the
consumer by giving the Insurance Companies discounts for
services when their Insured's used
those facilities.
They also tried to help hold down the escalating costs of Dr's and
Hospitals which when rates
increase, drive insurance premiums higher.
Rates are "pre-negotiated" which means you never have to
pay a balance billing!
Unfortunately new Government Healthcare Reform is and will drive premiums higher in the
future.
Government mandates, additional taxation, mandatory loss ratios to
Insurance companies all
will drive premiums higher.
(* See our page & section on healthcare reform for more information.)
Insurance Concepts Financial is
contracted with many different Insurance Companies which enables us to fit the company and plan to the person,
instead of
trying to fit the person to the company or one particular plan.
We carry stable, reputable, well known, and well managed companies to insure our
clients reasonable stable rates with excellent
payment of claims.
We are able through our many companies to help anyone obtain coverage,
regardless of their health background.
* For Medicare Plans Please call our office At
1-800-925-8672
Links Are below to Various
Companies to get Quotes: just click buttons
GOLDEN RULE
~ United Health One ~ One of the
best & lowest priced HSA Plans of any company!
Click for quotes
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Call 1-800-925-8672 or
E-mail: insuranceconcepts@att.net
for Quotes
Humana does not have a customer
quoting option.
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Assurant Health
Click for quotes
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Click for Quotes
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Short Term Major Medical
.
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Guaranteed Issue Health Coverage! All Pre-Existing Conditions accepted.
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Travel Insurance ~
When you travel out of the country.
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Call 1-800-925-8672 for Free No Obligation
quote or email:
Companies we are contracted with are:
United Health One Genworth
Golden Rule
ING
Humana
Assurity
Anthem
West Coast Life
Assurant Health Prudential
Time Insurance
Banner
Life
John Alden
Protective Life
United American American General
Central Reserve Life Baltimore Life
Connecticut General John Hancock
Secure
Advantage USA Plus Plans
These are a few of the health
insurance companies that we are associated with.
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Major
Medical Plans & Description of Different Types
1.
Traditional Major Medical Plans:
Has deductible that you have to meet before company pays anything.
(Intermediate Premium)
Pays a percentage ( 80/20; 70/30; 50/50) after the deductible until “stop
loss’ is reached, then pays 100 % to Maximum amount.
No Dr Office visit “co-pays”
Total “out of pocket costs” are deductible + % or co-insurance amount.
2.
Traditional Major Medical Plans with
“co-pays”
(Higher premium than Traditional) ( usually
THE highest)
Same benefits as above except, Dr Office visits are covered with just
a “co-pay”,
without having to reach the deductible first.
3.
H.S.A. Plans: = Health Savings Account:
(Inexpensive Plan with tax benefits)
a. Premiums are much lower than a
traditional plan.
b. The company pays Nothing until after the deductible is reached
c. Then they pay typically 100% .
d. There is only ONE deductible per FAMILY not per person in most cases.
e. Any monies that you reposition into a savings account are a tax deduction
f. You earn, usually, 5% tax deferred
interest for money in the account.
4. “Limited Medical
Policy:
This Policy is a traditional Major Medical but has limits on Services
Meant for those that are uninsurable & cannot get other coverage
It is meant for those who need Major medical,
** Plans in order of cost From Lowest
premium to Highest premium:
1. H.S.A. Major Medical Plans.
2.
Traditional Major Medical.
3.
Traditional Major Medical with Dr office Co-pays
4. Limited”
Major Medical Plan.
If your main concern is large medical bills
that are thousands of dollars or more, and you are not concerned about the
occasional Dr Visit, a
n H.S.A. Plan or Major Medical plan may be your best
option.
They will save you the most premium dollars.
** Most people are going to higher
deductibles as they did years ago to protect themselves against the large
medical bills and to save the most money they can on health insurance.
*Remember,
the definition of Insurance is ~ “Protection against an unforeseen
catastrophic expense.”
***Call
us at 317-838-0352 or 1-800-925-8672 and let us know which plans you have
an interest in and what best suits your needs.
We can discuss them further by phone.
Contact us at:
insuranceconcepts@att.net
Insurance & Business Concepts
Plainfield, IN 46168
Office: 1-800-925-8672
Local: 317-838-0352
Fax: 317-838-0368
