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Thomas Paine wrote in Common Sense that the government is a necessary evil. I will go on to say that health insurance is a necessary evil. When two necessary evil's get together we have what we see today on the healthcare.gov marketplace. I have decided, because of our own issues with health insurance in my Family to explore alternative medical insurance options apart from the governments marketplace.
Pre-Existing Conditions, unfortunately, UNFORTUNATELY if you have Pre-Existing Conditions, like my Wife, you have no choice except a group plan through your employer, business or a Marketplace policy through healthcare.gov where you will get the same service you'd expect from the DMV.
Subsidies, if the government deems you worthy, you may qualify for a subsidy to offset your insurance premium through healthcare.gov ACA policiies.
There are no more IRS Penalties for not having an ACA government marketplace plan, we can thank our 45th President for this. You can enroll anytime you want on plans outside the marketplace, no need to wait until open enrollment.
Dr. Office Visit with rollover $200 per visit
(10 visits per year)
Unlimited Tele-Doc Visits $0(zero) cost
Rx $75 (10 Rx per year),
Urgent Care $300 per visit (2 per year),
ER $300 per visit (2 per year),
Hospital Admittance $3000,
Per Day Confinement $6000+
$1million annual max,
Cancer Treatment $2000 per day,
40 days annually,
$5million lifetime benefits
Limited Indemnity Benefits are cash payments paid to the medical provider toward the First Health discounted rate for services. Any amount above Indemnity Benefits for service charges go directly to policyholder.
Limited by the plans maximum, $5million in the two noted samples.
Living Benefits are lump sum cash payments for Critical, Chronic or Terminal Illness. Death Benefit amount is reduced by any amount paid for Living Benefit Illness.
Sample Quote Below would be a recommended medium plan set-up that includes supplemental benefits
Dr. Office Visit with rollover $275 per visit
(6 visits per year)
Unlimited Tele-Doc Visits $0(zero) cost
Rx $25 (10 Rx per year),
Urgent Care $250 per visit (2 per year),
ER $250 per visit (1 per year),
Hospital Admittance $1,000,
Per Day Confinement $2,000+
$1million annual max,
Cancer Treatment $1,000 per day,
40 days annually,
$5million lifetime benefits
Dr. Office Visit with rollover $125 per visit
(8 visits per year),
Unlimited Tele-Doc Visits $0(zero) cost
Rx $50 (15 Rx per year),
Urgent Care $250 per visit (2 per year),
ER $250 per visit (1 per year),
Hospital Admittance $3000,
Per Day Confinement $6000+
$1million annual max,
Cancer Treatment $2000 per day,
40 days annually,
$5million lifetime benefits
$225,000 Lump Sum Payment for
Chronic, Critical & Terminal Illness
$250,000 Death Benefit
Dental
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