%20(5)_edited.png)
Innovative Health Benefits Solutions
when the traditional health
carriers are
not the answer!
Below illustrates our “Good, Better, Best, Buy Up” health benefit strategy.
The strategy offers a combination of Guaranteed Issue/Shelf-Rate MEC & MVP Plans with Major Medical as a “Buy-up.”
GOOD
Guaranteed Issue
KeyCare MEC Plan
$75 / month
-
$25 Copay for Unlimited Primary Care Office Visits
-
$0 Copay for Preventive/Wellness Care Services
-
Prescription Drugs Coverage
-
$0 Copay Telehealth 24/7/365 (incl. Mental Health)
GOOD
Guaranteed Issue
BETTER
Guaranteed Issue
FlexCare MEC Plan
$109 / month
-
$25 Copay for Unlimited Primary Care Office Visits
-
$50 Copay for Unlimited Urgent Care Visits
-
$0 Copay for Preventive/Wellness Care Services
-
Discounts at Specialist Office Visits and Lab Services
-
Prescription Drugs Coverage
-
$0 Copay Telehealth 24/7/365 (incl. Mental Health)
BETTER
Guaranteed Issue
BEST
Guaranteed Issue
Essential MVP Plan
$389 / month
-
$15 Copay for Unlimited Primary & Specialty Care Office Visits
-
$0 Copay for Preventive/Wellness Care Services
-
$50 Copay for Unlimited Urgent Care Visits
-
$0 Copay Telehealth 24/7/365 (including Mental Health)
-
Prescription Drugs/X-Rays/MRI/CT Scans/Lab Services
-
Hospital and Surgery Coverage, incl. Maternity
BEST
Guaranteed Issue
BUY-UP
Underwritten
Major Medical Plans
-
Acceptance & Pricing specific to each person/group applying
-
Traditional PPO Major Medical Plans
-
Choice of Copay and High Deductible HSA Plans
-
Available to individuals within a company as a “Buy-Up” option to the Good, Better, Best options
-
Can also be for a select class of employees within a company
-
Full menu of plans available
BUY-UP
Underwritten
Guaranteed Issue/Shelf-Rate MEC and MVP Plans as “Good, Better, Best” options:
-
No underwriting - everyone can enroll in any of the three plans
-
Only five (5) minimum enrolled employees required (no 50% requirement)
-
No minimum employer contribution requirement
-
Over 500,000 members
Major Medical Plans as “Buy Up” option for employees:
-
Each interested employee would need to pass underwriting approval by submitting a Personal Health Questionnaire (PHQ)
-
If the individual is approved they will be given a choice of High Deductible or Copay PPO plans
-
No minimum participation requirement
-
No employer contribution requirement
-
Over 50,000 members
