Our Insurance Plans
Plans And Prices
Find A Plan That Works For You
Here, you will find comprehensive information on our insurance plans and pricing. Whether you're a homeowner, or a business owner, we have the perfect plan for you. Explore and select the best plan that aligns with your needs and budget. You may consider taking advantage of our group purchasing power, specially negotiated, and insurance specialists who are ready to personally assist you.
Basic
This plan is suitable for those who only need minimal coverage. It provides basic coverage and lower monthly premiums.
$25
/monthYou pay $25 - renews at $50/year
Accidental Death and Dismemberment (AD&D) coverage up to $10,000
In-Network Out-of-Pocket Maximum: $4,500 (per person)
In-network Emergency Room (ER) visits for a maximum of $2,500 per calendar year
Out-of-network ER visits for a maximum of $2,500 per calendar year
Annual Deductible: $1,000
Wellness Incentives: 50% discount for participation in approved programs
Standard
The standard plan offers more comprehensive coverage and includes a broader range of services. It is ideal for those seeking moderate coverage.
$45
/monthYou pay $45 - renews at $90/year
Accidental Death and Dismemberment (AD&D) coverage up to $25,000
In-Network Out-of-Pocket Maximum: $6,000 (per person)
In-network Emergency Room (ER) visits for a maximum of $10,000 per calendar year
Out-of-network ER visits for a maximum of $10,000 per calendar year
Annual Deductible: $1,500
In-network Physician visits for a maximum of $2,500 per calendar year
Out-of-network Physician visits for a maximum of $2,500 per calendar year
Additional Covered Benefits: HSA, Maternity, Newborn Care, Pediatric Care, Preventive Services, Urgent Care
Annual Preventive Services: 100% covered
Advanced
This plan offers comprehensive coverage with higher out-of-pocket maximums. It is suitable for those who require a high level of coverage and additional benefits.
$75
/monthYou pay $75 - renews at $150/year
Accidental Death and Dismemberment (AD&D) coverage up to $50,000
In-Network Out-of-Pocket Maximum: $7,500 (per person)
In-network Emergency Room (ER) visits for a maximum of $15,000 per calendar year
Out-of-network ER visits for a maximum of $15,000 per calendar year
Annual Deductible: $2,000
In-network Physician visits for a maximum of $10,000 per calendar year
Out-of-network Physician visits for a maximum of $10,000 per calendar year
Preventive Care Package, including mammograms, prostate exams, and well-child visits
Annual Preventive Services: 100% covered
Primary Care Provider (PCP) Annual Wellness Visit: $0 copay
To receive personalized/custom quotes based on your specific needs and budget, feel free to Contact our Agents
Frequently Asked Questions
You Have Questions, We Have Answers
Application for a health insurance plan?
The requirements for applying for a health insurance plan can vary depending on the specific plan. However, the following information is generally required for application:
Basic personal information, such as name, address, date of birth, and social security number
Details about the insured person(s), including age, gender, height, weight, tobacco use, and medical history
Details about the coverage desired, such as deductibles, copayments, and specific benefits or procedures covered
Billing information, including mailing address and method of payment
How can I lower my health insurance premiums?
There are several ways to lower your health insurance premiums. Here are some strategies you can consider:
Quit smoking: Smoking can significantly increase your health insurance premiums. If you're a smoker, quitting can have a significant impact on your costs.
Maintain a healthy weight: Obesity can also increase your health insurance premiums. If you're overweight, working to lose weight can help reduce your premiums.
Enroll in a high-deductible health plan (HDHP): HDHPs often have lower premiums but higher out-of-pocket costs. By choosing this option, you can potentially save money on your health insurance premiums.
What happens if I need medical treatment while abroad?
If you need medical treatment while abroad, it's essential to consider your insurance coverage and the extent of the benefits provided.
We offer international health insurance plans, which cover medical expenses incurred while traveling abroad. These plans may have deductibles and copayments similar to domestic plans, and the coverage provided can vary widely depending on the specific plan.
Depending on your insurance plan and the country you're visiting, you may be responsible for some or all of the out-of-pocket costs associated with your medical treatment. Be sure to review your policy benefits and consult with us before traveling.
Are there penalties for lack of health insurance in the United States?
The penalty for not having health insurance in the United States can be steep. According to the Affordable Care Act
How can I check the coverage of my insurance policy?
You can check the coverage of your insurance policy by referring to the policy documents you received through mail or contacting our customer care. If you have a comprehensive insurance policy, it should cover most, if not all, expenses related to a covered incident. However, if you have a limited or exclusive policy, the coverage may be more specific. For example, a limited policy may only cover the insured person, while an exclusive policy may cover only a specific event or set of events.
Can I transfer my insurance policy to another insurance company?
Yes, you can transfer your insurance policy to another insurance company, but this process may involve certain risks and costs. Some insurance companies may charge a premium transfer fee, which can be based on the amount of time the policy has been in force, the amount of premiums paid, or a combination of these factors. Additionally, transferring a policy to another insurance company may require you to undergo a new medical examination, depending on the policy and the new insurance company's requirements.
Can't find an answer? Contact Us OR use the live chat feature to start a chat with one of our agents