Supplemental Insurance

US Supplemental Health Insurance Options

****SPECIAL NOTICE – Read our Annual Federal and Individual States Market Update****

There are several different types of supplemental health insurance plans. We combine these supplemental plans with a Fixed Benefit and/or Short Term Medical plan to create our comprehensive alternative health plan packages. However, these supplemental plans can also be combined with ACA/Obamacare individual plans as well as employer provided (group) health insurance to enhance overall coverage. 

The different types of supplemental plans we have available include: 

• Accident protection
• Critical Illness Protection (including NEW guaranteed issue plans)
• Cancer Treatment Coverage
• First Day Hospital/ICU Stay Protection
• 100% Preventive Care (Per ACA/Obamacare guidelines)
• Prescription Drug coverage
  
• Dental, Vision and Hearing
• Life Insurance 
• Freshbenies Value Added Services

The following contains additional information about each of the above supplemental plan types.

Supplemental Accident, Critical Illness, Cancer Treatment & Hospital Coverage

Supplemental Accident Protection 

Over 50% of ALL medical treatment received in this country is the result of an accident. The CDC estimates that 9.2 million children had an ER visit last year due to an accident. Leading causes include falls, car accidents, and burns. The CDC also estimates that 30% of all ER visits are because of an injury. The costs are substantial, but often times are paid out of pocket due to the high deductibles on health plans. 

That is why I recommend adding a separate accident policy. We have plans available from several different companies. These plans provide payment for all healthcare treatment received as a result of an accidental injury. Some plans will pay up to a set amount per accident and others will provide you with an annual amount of money (up to $15,000 per individual and $25,000 per family). 

An Extra Bucket of Cash

A supplemental accident plan is an inexpensive, extra "bucket of cash" for you to use to cover treatment related to an accident! 

Important Note: All plans pay in addition to any other existing health insurance you have. In most cases these plans do not coordinate with your existing health insurance, which means that they will continue to pay up to your chosen benefit amount regardless of what you get from other health insurance that you have. 

  LifeSecure Accident Plans:

One of the companies that we work with for accident plans is called LifeSecure. LifeSecure offers two different supplemental accident plans. Availability of each is by state. These plans are: 

• Accident Plan 2.0
• Accident Plan 3.0 with Accidental Death & Dismemberment (AD&D)

Check out the following video: How can Accident Insurance help?

For details on LifeSecure Accident plans including coverage information and rates for all states, please click this Product Overview and Rates link. You can also review these plans as follows:

LifeSecure Accident Plan 2.0

After the listed deductibles, these plans pay 100% up to a set limit for most treatment related to any type of accident (from $2,500 to $25,000).

LifeSecure Accident Plan 2.0 plans are available for people ages 18 through 74 (69 in Tennessee) and guaranteed renewable to age 75.

 These plans are available in AZ, CA, CO, DC, FL, ID, IL, KS, LA, MD, MN, MO, MT, NC, NJ, NM, OR, PA, RI, SD, TN, UT, VA, VT, WA and WV 

LifeSecure Accident plans:

• Are Guaranteed Issue
• Pay the FULL BILL up to the maximum of the plan chosen
• Pay claims off EOB or itemized bill if no other health insurance
• Cover you 24/7 on and off the job
• Pay in addition to any other insurance, including workers compensation

Check out this Coverage Comparison with a LifeSecure Accident plan and without! 

LifeSecure Accident Plan 2.0 Product Brochures

Product Brochures by state are as follows:

• Accident Product Brochure (All States except PA and WA)
• PA Accident Product Brochure
• Washington Accident Product Brochure 

LifeSecure Accident Plan 2.0 Premium Rates

Monthly Premium Rates by state are as follows:

• All states except FL and WA
• Florida
• Washington

LifeSecure Accident Plan 3.0 with Accidental Death & Dismemberment (AD&D)

After the listed deductibles, they pay 100% up to a set limit for any type of accident (from $2,500 to $25,000).

NOTE LifeSecure Accident Plan 3.0 plans are available for people ages 18 through 74 (69 in Tennessee) and guaranteed renewable to age 85. 

These plans are available in AL, AK, AR, CT, DE, GA, HI, IA, IN, KY, MI, MS, ND, NE, NV, OH, OK, SC, TX, WI & WY

LifeSecure Accident Plan 3.0 plans:

• Are Guaranteed Issue
• Offer Choice of $0 or $500 deductible
• Include Coverage for Chiropractic services
• Pay the FULL BILL up to the maximum of the plan chosen
• Pay claims off EOB or itemized bill if no other health insurance
• Pay a Lump-sum Cash Benefit in the event of a covered Accidental Death
• Cover you 24/7 on and off the job
• Pay in addition to any other insurance, including workers compensation

LifeSecure Accident Plan 3.0 with AD& Product Brochures

Product Brochures by state are as follows:

• Accident Brochure with AD&D (All States except MI and TX
• MI Accident Brochure with AD&D
• TX Accident Brochure with AD&D

LifeSecure Accident Plan 3.0 with AD&D Premium Rates

Monthly Premium Rates by state are as follows:

• All States except MI, NV and OK
• Michigan
• Nevada & Oklahoma 

Other Supplemental Accident Plan Options:

In addition to the LifeSecure accident plans above, both our Fixed Benefit plan companies and all our Short Term Medical plan companies offer their own supplemental accident and/or accident/critical illness plans. You can link to each of those companies to see the plans they offer as follows:

• Philadelphia American
• Manhattan Life
• National General
• Pivot Health
• The IHC Group
• United Healthcare

Applying for a Supplemental Accident Plan:

If you wish to apply for a supplemental accident plan from LifeSecure or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.  

Critical Illness Protection

We have plans from several companies that allow you to choose from $5,000 to $100,000 per adult and up to $10,000 per child in coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, stroke and other covered illnesses. These plans pay you a lump sum upon diagnosis. This is money that can be used to help pay for deductibles, lost time from work, travel, etc. 

NOTE: Again, these plans pay in addition to any other existing health insurance you have. 

Why a Critical Illness Plan?

For starters, it’s important to realize that NO health insurance plan — “Cadillac” or otherwise — covers all the medical and non-medical costs related to a serious illness. And second, the costs of a serious illness such as heart attack, stroke or cancer can be significant.

Second, the statistics related to the primary critical illnesses are significant:

• EVERY 34 SECONDS an American will suffer a heart attack. Heart attack hospitalizations cost patients a median of $53,000. If bypass surgery is needed, costs can skyrocket to the $86,000-to-$178,000 range.
• EVERY 40 SECONDS someone in the US has a stroke. According to the CDC, 1 out of 20 deaths in America are due to Stroke. Stroke hospitalizations cost patients a median of $31,000. 
• CANCER RISK for men in the US are about 1 in 2 lifetime of developing cancer. For women it is a little more than a 1 in 3 lifetime risk. As for cost, see the articles below under the Manhattan Life Cancer Care Plus Cancer and Dread Disease plan information.

Add onto the above bills the additional expenses following hospitalization, including rehabilitation, therapy, ongoing medical care and drugs.

Personal Note: In October-November, 2019 I had two situations with existing clients.

• One, a 61-year-old man with NO PRE-EXISTING conditions on his application 7 months prior, had a cerebral hemorrhage (a STROKE) and is DEAD.
• The other, an otherwise healthy 63 year-old woman, had a serious heart attack! The good news on this story is that my client is alive. The BAD news is that she and her husband are on a fixed income supplemented by part-time jobs. They are now out $8,000 in deductible and coinsurance on their Gold level health plan. Plus, other new, ongoing medical care and non-medical costs. 

Even the VERY BEST health insurance can leave people with significant non-medical costs related to a serious illness, such as home adaptations or equipment, travel for treatment, and lost income from missing work.

Neither of these clients of mine took advantage of a Critical Illness plan that would have paid them EXTRA cash! They didn’t do it. YOU CAN!

LifeSecure Critical Illness Plans:

We also work with LifeSecure as one of our main companies for supplemental Critical Illness plans. Their plans are not always the least expensive, but their benefits are as good as any other company. 

With LifeSecure you can include from $5,000 to $50,000 per adult and $2,500 per child in lump sum coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, stroke, etc.

LifeSecure Critical Illness plans also have unique features that other companies don’t offer. These include (See the brochure below for more details):

• Payment for MORE than ONE Illness – Many Critical Illness policies only pay ONE time. LifeSecure will pay if you are later diagnosed with a second, different illness.
• Payment for Re-Occurrence of an Illness – After the initial benefit payment, if you have a re-occurrence of the same illness, you can receive an additional payment equal to half the original benefit. 

LifeSecure Critical Illness plans are available for people ages 18 through 70 (64 in California) and guaranteed renewable to age 75.

For more information and to see sample rates by state, download the LifeSecure CI Brochure.

NOTE:  These critical illness plans are health underwritten. Please download and review the LifeSecure Critical Illness App Questions to make sure you qualify.

 Enrollment First Guaranteed Issue Critical Illness Plans:

In addition to the plans mentioned above, we can now offer critical illness protection up to $25,000 per person on a guaranteed issue basis!

This plan is offered by Enrollment First through the America's Consumers Affiliates. Please download and review the ACA Critical Illness brochure. 

For more information on these life insurance plans, and to apply directly online, please go here: Enrollment First Critical Illness Insurance. Follow these instructions to get a quote and apply:

1. Click on Additional Health Options in the left column.
2. Then click the Critical Illness link. Watch the video. Read the details, which are also in the brochure above. Click the Add button.
3. This will ask you to enter information to create an account. You can then go back to the website and click the Login button at the top right. 
4. Once logged in, follow the first two steps above. You can then enter your information to get a quote. If you like it, you can apply. 

Other Supplemental Critical Illness Plan Options:

In addition to the LifeSecure and Enrollment First critical illness plans above, both our Fixed Benefit plan companies and all our Short Term Medical plan companies offer their own supplemental accident and/or accident/critical illness plans. You can link to each of those companies to see the plans they offer as follows:

• Philadelphia American 
• Manhattan Life 
• National General
• Pivot Health
• The IHC Group
• United Healthcare

Applying for a Supplemental Critical Illness Plan:

If you wish to apply for a supplemental critical illness plan from LifeSecure or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then. 

Cancer Treatment Coverage

Manhattan Life Cancer Care Plus:

This is a different variation on most critical illness policies that pay a one-time, lump sum amount. This Cancer Treatment plan includes a unique MONTHLY Chemotherapy, Radiation AND Immunotherapy benefit of $2,500 to $7,500 depending on the plan option. It also provides treatment benefits for many other dread diseases AND benefits for over 20 other related services.  

Cancer Care Plus plans are available for people ages 18 through 69 (64 in California) and guaranteed renewable FOR LIFE! 

Also, the monthly premium for your Cancer Care Plus plan is locked in based on your age when you sign up. The only way your premium will change is if the company raises the rate for ALL policyholders in your entire state. 

The Manhattan Life Cancer Care Plus plan is available in these states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY

Why Cancer Insurance?

Because, as noted in the fourth article below, According to the American Cancer Society (ACS), the statistics say that men have a 39.3% lifetime chance of being diagnosed with cancer and women a 37.7% chance.. In addition, please check out the following articles:

• Almost half of new cancer patients lose their entire life savings – Note that the average amount a cancer patient lost in savings was $92,098!
• The Hidden Costs of Cancer – Note the costs of lost wages (200 hours), out of pocket treatment costs in addition to your health insurance deductible/coinsurance and numerous indirect expenses.
• Underinsured Patients Opt to Crowdfund Cancer Treatment in Light of Rising Costs – This is the situation my friend found herself in (see PERSONAL NOTE 2 below). Unfortunately, doing this isn’t likely to raise anywhere close to the costs most people will incur.
• Medicare Out-Of-Pocket Costs For Cancer Treatment Every Retiree Should Know - About 77% of all cancers are diagnosed in people 55 or older, and the median age for cancer diagnosis is 66. The article discusses three areas of additional out of pocket costs above insurance – 1. High-cost oral maintenance drugs (median annual out of pocket costs over $8,000). 2. Experimental treatment options not covered by Medicare. 3. Travel, lodging and meals expenses.
• New article – High Cost of Cancer Treatment – This article is loaded with information. It notes that the average monthly costs range from $1,000 to $12,000  for chemotherapy, $9,000 for radiation and $10,000 to $12,500 for immunotherapy. Also, please read the “Survivor Stories: Toll of Cancer Costs” near the end of this article.

 

PERSONAL NOTE: My late wife battled breast cancer for over 7 years. During that time, she had multiple treatments for chemotherapy and radiation as well as a couple different surgeries, etc. We were very fortunate to have excellent coverage through her employers. However, even with that great coverage, we still had paid $20,000 to $25,000 out of pocket over those 7 years. When I recently found out that this product is available in my state, I signed up for myself the same day!

PERSONAL NOTE 2: I have a friend from high school has been living with Stage 4 lung cancer for 6 years! SIX YEARS of continuous treatments of chemotherapy, radiation, experimental treatments, etc. Plus, travel to Houston and California and Seattle. She estimates that they have spent $5,000 to $10,000 per year out of their pocket PLUS another $30,000+ in travel and related costs. That’s $60,000 to $90,000+ over and above what health insurance has paid. She said without the help of a GoFundMe page (see article above), they would have lost their house. She also said she could have taken a supplemental cancer plan at work but thought it would never happen to her! 

Current Client Note: On 12/31/2019 I found out that a client was diagnosed with blood cancer diagnosis at age 64 and 8 months. They had a $2500 ded, 80/20% to $5k plan and said the bills were killing them. This client has now set up a GoFundMe page to help pay for out of pocket costs. With even the minimum amounts of critical illness and cancer treatment coverage, all out of pocket costs could have been covered without needing charity. 

Don’t let a cancer diagnosis eat up your life savings! 

Plan Details and Information:

Manhattan Life has up to five affordable plan options in most states. To check to see if the Cancer Care Plus plans are available in your state, see the list of available states above. Then.... 

To review the details and get a personalized quote click here: Manhattan Life Cancer Care Plus

Applying for a Supplemental Cancer Treatment Plan:

NOTE The Manhattan Life Cancer Care Plus plans are health underwritten. Please download and review the Manhattan Life Cancer Care Plus App Questions to make sure you qualify.

If you wish to apply for a supplemental cancer treatment plan from Manhattan Life, you can apply from the quote link above, but the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.  

Hospital Confinement Protection

As noted in this recent article hospital expenditures are 38.3% of total healthcare expenditures nationally. In other words, they are the most expensive places to receive care. 

That is why we have a VERY inexpensive supplemental plan designed to provide coverage for the first day hospital/ICU stay that you have in any year. 

 Manhattan Life Out of Pocket Protection Plan:

Manhattan Life's Out of Pocket Protection plan is available in these states: AL, AR, AZ, CA, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, NC, ND, NE, NM, NV, OH, OK, PA, SC, SD, TN, TX, WI

These plans that let you choose a lump sum of $2,500, $5,000 or $6,350 for your first day in the hospital for each plan year. The plans all include $100 or $200 per day to cover the cost of your doctor visiting you in the hospital. You can also add an optional (recommended) $250 Emergency Room Accident benefit and a rider that pays $1,000 to $3,000 for up to two Outpatient Surgeries per year.

The Out of Pocket Protection plans are available for people ages 18 through 69 (64 in California).

Important Maternity Tip: The Out of Pocket Protection plan is one of the ONLY plans we know about that WILL pay for a hospital stay for the delivery of a baby! 

Most women will deliver their baby in a hospital. That means they will ALWAYS have at least ONE overnight stay for the delivery. They will also have potentially LARGE out of pocket expenses for health insurance deductibles and coinsurance. As long as the mother-to-be is covered on this plan for longer than 1 year before delivery, the plan WILL PAY the selected benefit amount for the first overnight stay related to the delivery. Potentially saving you THOUSANDS out of your pocket. 

ACTUAL CLIENT SCENARIO:Regarding the Manhattan Life Out Of Pocket Protection supplemental hospital benefit plan above. I had a client spend 3 days in the hospital because of a blood clot. He chose NOT to take this supplemental hospital benefit plan. AFTER PPO network discounts, his balance owing was $16,000. 

For around $41/month, he could have received an extra $6,650 ($6,350 + $100/day). This would have significantly reduced or eliminated his out of pocket cost from his primary health plan. 

NOTE: Once again, these plans pay in addition to any other existing health insurance you have. So in addition to being a highly recommended part of our alternative health plans, they are great for supplementing any high deductible health plan at a very affordable price. 

Here are some sample quote ranges for individuals. The rates vary by state.

Manhattan Life Out of Pocket Protection Sample Individual Quotes***

***NOTE:The highest rates in the table above are for the state of Pennsylvania. Most states are closer to the lower end of the range.

NOTE The Manhattan Life Out Of Pocket Protection plans are health underwritten. Please download and review the Manhattan Life Out Of Pocket Protection App Questions to make sure you qualify. Exact questions vary slightly by state, but this is a good overview of the questions for all states.

Plan Details and Information:

To review the details and get a personalized quote click here: Manhattan Life Out of Pocket Protection Plan

Applying for a Supplemental Hospital Out of Pocket Protection Plan:

If you wish to apply for a supplemental hospital out of pocket protection plan from Manhattan Life or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says  CALL ME and pick a day and time that works for you, and I will call you then.  

 Independence Hospital Insurance Plans:

The IHC Group's Independence Hospital Insurance plans are available in these states: AL, AR, AZ, DC, DE,FL, GA, IA, IL, IN, KY, LA, ME, MI, MN, MS, MT, NC, ND, NE, NM, NV, OK, SC, SD, TN, UT, WI, WV, WY

The Independence Hospital Insurance plans are available for people ages 18 through 64 1/2.

The IHC Group's Independence Hospital Insurance plans can help fill gaps in your health insurance coverage by providing cash benefits for unexpected or higher cost services. These plans pays benefits regardless of other coverage you may have, and benefits may be paid directly to you, unless you assign them to a physician, hospital or other health care provider. 

There are three plan options from which to choose. The benefits on each plan are as follows:

Hospital 30 -

• Lump Sum Inpatient Hospital Benefit (per hospital confinement) - $3,000 
• Outpatient Surgery Facility Benefit (One per calendar year) - $3,000
• Daily Hospital Confinement Benefit (31 days per calendar year) - $100
• Outpatient Diagnostic Services (One per calendar year) - $200
• Outpatient Advanced Imaging (One per calendar year) - $500
• Annual Calendar Year Maximum Benefit - $10,000

Hospital 45 -

• Lump Sum Inpatient Hospital Benefit (per hospital confinement) - $4,500 
• Outpatient Surgery Facility Benefit (One per calendar year) - $4,500
• Daily Hospital Confinement Benefit (31 days per calendar year) - $100
• Outpatient Diagnostic Services (One per calendar year) - $200
• Outpatient Advanced Imaging (One per calendar year) - $500
• Annual Calendar Year Maximum Benefit - $15,000

Hospital 60 -

• Lump Sum Inpatient Hospital Benefit (per hospital confinement) - $6,000 
• Outpatient Surgery Facility Benefit (One per calendar year) - $6,000
• Daily Hospital Confinement Benefit (31 days per calendar year) - $100
• Outpatient Diagnostic Services (One per calendar year) - $200
• Outpatient Advanced Imaging (One per calendar year) - $500
• Annual Calendar Year Maximum Benefit - $15,000

NOTE: Once again, these plans pay in addition to any other existing health insurance you have. So in addition to being a highly recommended part of our alternative health plans, they are great for supplementing any high deductible health plan at a very affordable price. 

For more details:

See the Independence Hospital Insurance Brochure

Go to the IHC Group page on our website

To get a personalized quote and apply online go here:

Independence Hospital Insurance Quote and Apply

Other Supplemental Hospital Stay Protection Options:

In the states where the Manhattan Life Out of Protection or IHC Group Independence Hospital plans are not available we offer plans from other companies such as National General, LifeSecure, Medico, Surebridge and Washington National.

100% Preventive Care and Full Prescription Drug Coverage

The following supplemental plans are primarily added to our alternative plan packages to cover all ACA mandated preventive care services 100%. Plus you can go up to higher level plans to get other minor services like doctor visits and lab work covered and only pay a small copay.

NOTE: Here is the full list of the ACA mandated preventive care services

 Enrollment First 100% Preventive Care (Plus Additional Outpatient Benefit Options:

The Enrollment First plans are called SelectMed. Enrollment First SelectMed plans provide the preventive care and wellness services that are required under Obamacare. When you see providers in the plan’s PPO network, all covered preventive services will be paid 100% with NO copay or out of pocket cost to you.

There are 3 different SelectMed plan options.  All plans are guaranteed acceptance:

SelectMed Base:

This plan provides the preventive care and wellness services that are required under the ACA/Obamacare (see above). When you see providers in the plan’s PPO network, all covered preventive services will be paid 100% with NO copay or out of pocket cost to you.

SelectMed Pro: 

This plan covers all of the same ACA/Obamacare mandated preventive care services as SelectMed Base. Plus the following:

• Primary Care and Specialist Office Visits covered with just a $25 copay per visit (5 combined visits per calendar year)
• Urgent Care visits covered with just a $25 copay per visit (5 visits per calendar year)
• Outpatient Diagnostic Test (X-Ray, Blood Work) covered with just a $25 copay per visit (5 combined tests per calendar year)
• Generic Prescriptions covered with a 20% copay

SelectMed Max: 

This plan covers all of the same ACA/Obamacare mandated preventive care services as SelectMed Base. Plus the following:

• Primary Care Office Visits covered with just a $25 copay per visit (no limit per year)
• Specialist Office Visits covered with just a $50 copay per visit (no limit per year)
• Urgent Care visits covered with just a $50 copay per visit (no limit per year)
• Outpatient Diagnostic Test (X-Ray, Blood Work) covered with just a $50 copay per visit (no limit per year)
• Prescription Benefit (in plan Formulary list) - $10 Generic copay; $50 Brand name copay
• Outpatient Mental Health, Behavioral Health or Substance Abuse Services covered with just a $50 copay per visit (no limit per year)
• Rehabilitation Services & Habilitation Services covered with just a $50 copay per visit (20 combined visits per plan year)
• Outpatient CT/MRI/Pet Scans covered 50% after a $2,000 individual deductible

SelectMed PPO Network

The SelectMed plans utilize the First Health PPO Network. It is one of the most extensive PPO networks in the country. The First Health Network will provide a broader range of coverage to more members–especially for those in rural America!

To look up providers go to the First Health PPO network link.

To begin, check the box for the Member Agreement and click "Continue." On the next page choose the type of provider and enter your search parameters. Then click the “Search Providers” button.

SelectMed Plan Rates:

NOTE:  There is an additional monthly bank draft fee of $4 added

For more information on the SelectMed plans and direct enrollment in these plans go here: SelectMed Plans

On the home page start by hovering over “Health Care Options” in the left column. Click on “Daily Care.” You will want to choose the SelectMed plan option that you want by clicking the “Add” button under that option. On the next page you will enter your information to create an account and click the "Register" button. Next, follow the steps to set up an automatic draft payment and complete your enrollment. 

NEW! Enrollment First Hospitalization Buy-Up Program

NOTE: This plan can be added to either the SelectMed Pro or Max plans above.

The Plan covers limited inpatient hospital care in accredited hospitals for each enrolled participant. Coverage includes inpatient surgery, but not outpatient or elective surgeries. This Plan does

not cover out of network services. This Plan is not subject to the Patient Protection and Affordable Care Act.

Features Included:

• Guaranteed Acceptance
• Benefit options of $50,000 or $100,000 per participant
• Inpatient hospital care including Mental Health and Substance Abuse
• Individual or family coverage available
• 0% Coinsurance after $5,000 annual deductible
• Coverage limited to in-network only
• Pre-existing conditions within past 12 months excluded

For more information on this Hospitalization Buy-Up plan, including premium rates and direct enrollment in these plans go here: SelectMed Plans

On the home page start by hovering over “Health Care Options” in the left column. Click on “Hospital Buy-Up.” You will want to choose the SelectMed plan option that you want by clicking the “Add” button under that option. You can review the details of the plan by clicking the “Details” button. Once you are enrolled in a SelectMed Pro or Max plan, you can click the “Add” button to choose the plan you want.

 Shared Health Alliance (SHA) 100% Preventive Care with Full Prescription Coverage:

Shared Health Alliance (SHA) provides supplemental benefits for ANY type of alternative health plan, health share programs and self-funded group plans. SHA plan options are as follows:

SHA Scripts - Prescription Only Plan:

This is a “stand alone” plan for prescription drug coverage. This plan provides a Generic Copay Card to fill covered generic medications at the pharmacy. 80% of covered Generics are $10 or less.

All other brand name and high cost generic maintenance medications as well as specialty medications are accessed through the SHARx High Cost Prescription Assistance Program.

SHA Preventive plan: 

Benefits include:

• 100% Preventive Care Covered (services not covered if received in a hospital)
• $50 Virtual Primary Care (one charge covers all care for each course of treatment)
• Copay Prescription Benefit at the Pharmacy (with NO Maximum Benefit Limit)
• SHARx High Cost Prescription Assistance Program
• NEW Discount Lab Services through Fair Price Labs
• NEW 40% discount on hundreds of durable medical supplies

SHA Preventive Premier plan:

Includes all SHA Preventive plan benefits plus:

• $0 Virtual Primary Care
• Copay Benefit for Doctor and Urgent Care visits
• Copay Benefit for X-ray and Labs, Cat Scans, MRIs and Outpatient Testing

NEW! SHA PPO Network

Effective June 1, 2019, you will now have the option to utilize the First Health PPO Network. Members can now choose a network provider or continue to enjoy the benefit of going to a provider of their choice as noted above. First Health is one of the most extensive PPO networks in the country. The First Health Network will provide a broader range of coverage to more members–especially for those in rural America!

To look up providers in the First Health PPO network, click here:

https://providerlocator.firsthealth.com/LocateProvider/SelectNetworkType

To begin, choose “First Health network.” Then click the “Start now” button. On the next page choose the type of provider and enter your search parameters. Then click the “Search now” button. On the next page, you can refine your search by clicking the “Refine your results” pull down in the left column. This includes searching for specific providers by name, facility or practice name. Click “Refine Search.”

Alternative to PPO Network

In addition to access to the First Health PPO Network (above), both the Preventive and Preventive Premier plans use what is called a “Reference-based pricing” payment model on all services received from any provider outside of the First Health Network.. Reference-based pricing pays providers an amount based on what Medicare pays plus an added percentage. SHA partners with a company called Six Degrees Health to administer the payments to the providers.

To you, this means that you are free to see ANY provider you choose. If they are in the First Health PPO Network, the network will process the claim for you. If the provider is NOT in the PPO network, Six Degrees will work with any provider that doesn’t initially accept the plan payment to try to reach a fair payment amount to them.

The following is a great video interview that explains how Six Degrees works with you and the providers to ensure that you get the services you need, and the providers gets paid a fair compensation for the services they provide:

Click here to listen to the interview

SHA Plans Prescription Formulary

The following page contains links to the prescription formularies available on all SHA plans:

http://www.sharedhealthalliance.com/formulary/

SHA Plans Brochures

Click to download the SHA Plans brochure

http://www.sharedhealthalliance.com

At the top of the page go to “OUR PLANS.” From the dropdown select the plans you want to see. You will see a link to download brochures here.

Shared Health Alliance Rates

To enroll in any of the SHA plan, just go here: SHA Preventive and Prescription Drug Plans

 Freshbenies Value Added Services:

Freshbenies helps their members save hundreds to thousands on their healthcare. They help employers contain costs and increase access to care for their employees. AND, they make it simple & fun so the benefits really get used!

This article discusses the 4 drivers of healthcare costs. Freshbenies includes 3 services from the article that can help reduce the frequency and severity of these healthcare cost drives.

COMPARE: Check out this Freshbenies Head to Head Comparison versus embedded group plan telemedicine. 

WAYS TO SAVE: Check out 20 Ways to Save on Healthcare with Freshbenies.

Don't like to read? Check out this Freshbenies Video for more about how this all works. 

***freshbenies Plan Package Options***

For Individuals and Families

The cost for their primary “Power Package” is $18/month per family! The Power Package includes the following benefits:

Telehealth - Up to 70% of medical issues can be solved by phone. Call anytime 24/7 for a $0 visit fee with a U.S. primary care doctor and get a prescription written, if medically necessary.

Doctors Online - Get personal answers to your medical questions within a few hours. Email physicians, psychologists, dentists, dietitians, fitness trainers (and more).

Advocacy - How much will your medical procedure cost? Where can you find a quality provider? Were you billed correctly? Call your personal Advisor to help get answers to these questions, negotiate bills on your behalf and more. I invite you to watch this webinar on: 6 Ways Advocacy is a Game Changer

freshSAVINGS - 9 high-quality savings networks help employees and their families control healthcare - whether they have insurance or not. Savings on: Rx, dental, vision, chiropractic, hearing aids, lab tests, MRI & CT scans, medical and diabetic supplies.

In addition you can add LifeLock, legal savings, pet care savings and caregiver support for small additional costs.

To review the details and enroll click here: Freshbenies Quote and Apply

For Businesses

You need strategies and your employees need help. Your cost to provide benefits has soared. Still, your employees are paying more out of pocket than ever before. freshbenies gives you and your employees practical tools to control healthcare in one easy membership - whether they’re on the medical plan or not.

There are three plans available as an “employer paid” or “voluntary” group benefit to companies with as few as 3 employees (with a minimum total cost of $50 per month for the group) and up.

freshbenies three plans offer the following benefits:

Advocacy PLUS – Get comprehensive support through the healthcare journey – find highly rated, cost-effective doctors, compare costs for procedures, care and prescriptions, have medical bills reviewed and negotiated, and more. I invite you to watch this webinar on: 6 Ways Advocacy is a Game Changer

Telehealth – Up to 70% of medical issues can be solved by phone or video. Reach out 24/7 for $0 visit fee with a U.S. primary care doctor and get a prescription written, if medically necessary.

Behavioral Telehealth – Convenient and discreet access to the following experts at a fraction of the cost of typical in-person visits† (some state exclusions apply): Therapists $85 visit fee Psychiatrists $95 visit fee ($225 initial visit)

Savings Networks – Rx, Dental, Vision. Save an average 79% on generic and 34% on brand name prescriptions, 20-40% on dental services and 10-60% on vision needs at thousands of providers – whether you have insurance or not.

benieWALLET – Store and access all your cards in one, easy place so they’re ready anytime, anywhere – insurance, pharmacy, fitness clubs, passport and more! 

freshbenies Employer Plans Coverage and Pricing

Whether you want a plan that focuses on Telehealth, Advocacy or BOTH, freshbenies has a plan for you.

Monthly premiums per family:

• PREMIUM Total (Includes Telehealth AND Advocacy) - $9.99
• PREMIUM Telehealth - $8.49 
  
• PREMIUM Advocacy - $6.49 

NOTE: All three plans include the Savings Network, benieWALLET and Member Engagement System.

In addition, you can add the following two packages:

• The Security Pack – Includes an Identity Theft Protection Service and Legal Savings program for $12.99/family per month.
• The Pet Pack - Includes Pet Telehealth with $0 visit fee and a Pet Savings program for $9.99/family per month. 

Get a Custom Proposal for Your Business 

To receive a custom proposal for your business, all we need is the following information:

• Company Name
• Total Number of Employees
• State(s) where the company is located
• Will the plan(s) be Employer Paid or Voluntary
• Is the Company’s Group health plan fully insured or self-insured

Send the above information by email to: robtavis@ushealthinsurancesolutions.com

Dental, Vision and Hearing Plans

We offer dental plans, vision plans, dental/vision combo plans and dental/vision/hearing combo plans from multiple different companies. In addition to options from the ACA/Obamacare companies, and our alternative health plan and supplemental plan companies, we work with other companies that only provide separate dental, vision and hearing plans.

The companies that provide separate dental, dental/vision, or dental/vision/hearing plans include: 

 Spirit Dental and Vision Plans:

Spirit offers up to eight different dental plans and two vision plans. Plans and availability vary by state.

Spirit has NO WAITING PERIODS for Basic and Major services on any of the dental plans. 

Spirit dental plans use the Ameritas Classic Network, which is one of the largest in the nation with more than 100,000 providers at more than 400,000 access points. To find a provider, visit the Ameritas Classic Network. Enter your location and select the "Classic PPO." 

To learn more about Spirit dental plans, run quotes and apply online please go to our Spirit Dental Quote page.

To learn more about Spirit vision plans, run quotes and apply online please go to our Spirit Vision Quote page.

 Delta Dental:

Delta Dental is a network of 39 affiliated companies throughout the country. Delta Dental companies contract with dentists at more than half a million locations nationwide. Delta Dental offers both individual/family and employer group dental plans. 

US Insurance Solutions is currently appointed with Delta Dental in Washington State and Illinois. We have the ability to run quotes in all states and get appointed quickly if Delta Dental offers the best plan for you in your state. 

Life Insurance

In addition to the ability to help with all types of individual life insurance as noted on our US Life Insurance page, we also have available life insurance options through some of our primary alternative plan companies and some of our supplemental plan companies. 

 Enrollment First Life Insurance:

Enrollment First offers two very unique group life insurance plans. They have a 10-year term life plan and a universal life plan. One unique feature is that these plans are available to independent contractors and self-employed small business owners.

What is more unique is that both of their plans offer up to $100,000 of coverage (NEW starting 12/1/19) on a guaranteed acceptance basis. That means that if someone with health issues, who might not otherwise qualify for individual life insurance, can get some much needed life insurance coverage for their family! 

Another great feature is that both the term life and universal life plans offer “Living Benefit” coverage of an Accelerated Death Benefit for Terminal Illnesses and Long-Term Care.

This plan is offered by Enrollment First through the America's Consumers Affiliates. Please download and review the ACA Life Insurance brochure.

For more information on these life insurance plans, and to apply directly online, please go here: Enrollment First Life Insurance. Follow these instructions to get a quote and apply:

1. Click on Life Insurance in the left column.
2. Then click either Term or Universal life links. Watch the video. Read the details, which are also in the brochure above. Click the Add button.
3. This will ask you to enter information to create an account. You can then go back to the website and click the Login button at the top right. 
4. Once logged in, follow the first two steps above. You can then enter your information to get a quote. If you like it, you can apply. 

International Travel Medical Insurance 

No matter what health insurance you have at home, I always recommend purchasing a separate international travel medical policy. To review your options, run quotes and apply online, please visit our International Travel Medical page.  T

 Get YOUR Best Health Plan Solution

Whether you want to add one or more of the above plans to your existing health plan or see how they work as part of our alternative health plan solutions, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.