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North American Health Plans (NAHP) is the consumer brand for our individual/family and small business alternative health plan solutions.
NAHP offers unique and innovative alternative health plan solutions that provide comprehensive coverage for individuals and families that are 20% to as much as 50% less than traditional ACA/Obamacare plans, and 15% to 20% less than comparable group plans for small businesses.
Alternative Health Plan Package Solutions for Individuals and Families
Through NAHP we offer a suite of best in class health insurance products. When combined together these products provide the best solution for those seeking individual health coverage. We customize each plan by combining (or "stacking") a primary plan (or plans) together with supplemental plans to fit the specific needs and budget for each client.
Important Note: Our alternative health plans for individuals and families are available year-round. You are NOT limited by a narrow, open enrollment period like you are with ACA/Obamacare plans.
The NAHP suite of products includes:
Primary Individual Health Insurance Plan Options:
- Fixed Benefit Plans
- Short Term Medical Plans
Supplemental Plan Options:
- Accident Protection Plans
- Critical Illness Plans
- Cancer Treatment Coverage Plans
- First Day Hospital/ICU Stay Protection
- 100% Preventive Care Coverage (Per ACA/Obamacare guidelines)
- Prescription Drug Coverage
- Dental, Vision and Hearing Plans
- Life Insurance
- Freshbenies Value Added Services
You can find more details about these supplemental plans, including some of the companies we work with and some sample quotes on our US Supplemental Coverage page.
Note: Specific companies and plans available vary by state. Please check our US Health Plans page and click on your state to see which companies offer our primary plans where you live.
The following provides more details on the NAHP suite of products:
Primary Individual Health Insurance Plans
Fixed Benefit Plans
Fixed Benefit plans work differently than traditional major medical plans (like what are available under the ACA/Obamacare). Unlike major medical plans that have (often high) annual deductibles and coinsurance that you have to pay before the insurance begins paying, many of our Fixed Benefit plans have NO deductible and others have deductibles that ONLY apply to inpatient hospital stays.
With a Fixed Benefit plan, you receive a "fixed" payment from the insurance company for every covered health care service. The amount of each payment depends on the coverage level you choose and the type of health care service you receive.
All our available Fixed Benefit plans provide the freedom and flexibility to go to ANY healthcare provider you want without penalty. However, they also include the ability to receive pre-negotiated discounts by going to providers in the nationwide PPO network. The choice is yours!
A big advantage that Fixed Benefit plans offer is that they are permanent plans. Once approved, you can keep the policy for as long as you want...up to age 65. You don't ever have to re-apply or re-qualify to keep the same plan.
Fixed Benefit Plan Companies:
We work with the following companies to provide the highest coverage fixed benefit plans available in the US. We combine (stack) them with both Short Term Medical plans (see following) and supplemental health plans (see US Supplemental Coverage) to create a comprehensive alternative health plan package to meet each client’s specific needs and budget.
Short Term Medical Plans
Short Term Medical (STM) plans are similar to traditional major medical plans. There is an annual deductible, coinsurance and maximum out of pocket cap on all covered services. However, since these STM plans aren't required to cover all mandated services under Obamacare (like maternity, preventive care, outpatient mental health services and prescription drugs), the premiums can be 40, 50, even 60% less than an ACA/Obamacare plan with a similar deductible and coinsurance.
Short Term Medical Plan Companies:
We work with the following companies to provide the best available Short Term Medical plans in the US. We combine (stack) them with both Fixed Benefit plans (see above) and supplemental health plans (see US Supplemental Coverage) to create a comprehensive, alternative health plan package to meet each client’s specific needs and budget.
The Perfect Combination?
In states where both types of plans are available, combining a Fixed Benefit plan with a Short Term Medical plan can be the perfect combination to maximize your overall health plan coverage while still saving compared to an ACA/Obamacare plan.
One advantage that a Short Term Medical plan offers is a cap on your maximum out of pocket costs (deductible + coinsurance) for each plan term. A Fixed Benefit plan has the advantage of providing "first dollar" benefits with NO or limited deductibles. By combining these plans, you will receive payments from the Fixed Benefit plan on most services that are applied toward your annual deductible and coinsurance on the Short Term Medical plan.
That means your out of pocket costs for deductibles and coinsurance are limited or eliminated, which saves you money in the long run. Plus, if you have a very high claims year, in addition to the money you receive immediately from the Fixed Benefit plan, once you meet your maximum out of pocket limit on the Short Term Medical plan all covered services will be paid 100% for the remainder of the Short Term Medical policy's term.
Get the Most out of Your Health Plan
In many cases by being a "cash pay" or "private pay" patient, you can receive a much better price from a provider than you would get through your health plan's PPO network.
That is why on our US Healthcare Resources page, we provide you with the tools and resources to help you shop for the best price (or fair price) on all different types of healthcare.
We originally put together these resources for client's with one of our Fixed Benefit plans to help them make the fixed amounts they receive from their plan go further on all covered services. However, there are also situations where you can save if you have an employer group health plan, an ACA/Obamacare individual plan or a Short Term Medical plan (as part of our alternative health plan packages outlined here).
It is very important for you to know the details about what your health plan does and does not cover. Then, by using these resources to become a better "healthcare consumer," you can save time and money and be sure to get the most out of your health plan.
Supplemental Insurance Plan Options
As noted above, please visit our US Supplemental Coverage page for more details about our supplemental plans, including some of the companies we work with and some sample quotes for different plans.
Alternative Level Funded Health Plan Solutions for Small Businesses
For small businesses with fewer than 50 employees, the ACA/Obamacare law applies the same rules to group health insurance plans as it does to individual plans. As a result, for businesses that may have younger, healthier people to cover on a group health plan, the ACA/Obamacare fully insured group plans may not be the best option.
Therefore, we offer these companies the choice of going with an alternative level funded health plan. A level funded health plan allows a business to custom design their health benefits. Monthly premiums are fixed just like with an ACA/Obamacare plan. However, premiums on a level funded plan are typically at least 15-20% less than the same plan design on an ACA/Obamacare plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.
We work with the following companies to provide the best available level funded health plan to meet your specific needs and budget:
NOTE: We are continuing to look for new companies offering alternative health plan options for small businesses. Because of that we may have other options in addition to the companies listed above. Including Level Funded plans from some of the companies that traditionally have offered only fully insured ACA/Obamacare plans. Those companies include Aetna and Blue Cross Blue Shield companies in various states.
NEW: These companies are new additions to our Level Funded plan options in 2020. We may or may not have had the opportunity to work with them as of this writing.
Important Note: In many states we can write a level funded small group health plan to groups with as few as 3 covered employees. However, to really have the best chance of success with a level funded plan a group should have at least five (5) covered employees.
If you would like to get a group health insurance quote for your business, the first step is to download and complete our group census form here:
US Insurance Solutions Group Census form.xls
Please email the completed form to: firstname.lastname@example.org
See if one of our alternative health plan solutions is right for you
If you would like to discuss your health insurance options, 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.