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(MAKE CHOICES FROM DROP DOWN BOXES)

What Deductible would you like a Quote for?

What Plan % do you want?

Phone:Cell
What Type of Plan?     * Scroll Down To See Different Plan Types 
 Scroll and click each type of plan if you'd like Info on more than one, 

What is More Important? 

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 Major Medical  Policy:
 *** Best value --  Most reasonable premium 
This Policy is a traditional Major Medical but has some limits on Prescriptions, Dr visits, Outpatient services and annual maximums.
 A good, conservative plan.
It is meant for those who need Major medical, but working on a limited budget or are tired of paying High Premiums for Medical Insurance.
( The Most Inexpensive plan )
 ** The new “Limited”  Plan is the most inexpensive. plan on the market today! **

Plans in order of cost From Lowest premium to Highest premium: 
1.      “Limited” Major Medical Plan.
2.      H.S.A. Major Medical Plans.  
3.      Traditional Major Medical.
4. Traditional Major Medical with Dr office Co-pays

 


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, an H.S.A. Plan or “RightStart” 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.”