Health Benefits for Business Owners and Employees
EXCLUSIVE PROGRAM WITH FLAT-RATE PREMIUMS
- Pre-existing and current medical conditions are covered with NO PREMIUM INCREASE.
- Every business pays the same rate, no matter the industry sector or number of employees. Age or health condition does not change the cost.
- If any employee has current or previous health issues such as high blood pressure, diabetes, heart disease, heart attack, cancer, stroke or almost any other condition, they can be covered without raising the premium.
Medical Coverage At-a-Glance
» Ridiculously affordable rates
» No deductible
» Immediate benefits, no waiting period
» Guaranteed approval; no health questions
» Same rate for everyone, regardless of age or health condition
» Extensive benefits
» Tel-a-Medicine enables employees to get treatment by a doctor over the phone, 24/7, from anywhere in the US. Prescriptions can be picked up at any pharmacy, including Walmart.
Finally, there is a simple, ridiculously affordable solution for employee health insurance!
Employees place a high value on health insurance benefits. In fact, benefits can be the deciding factor when they think about changing jobs.
Benefit Options
Health Coverage: Cash Benefits for Medical Treatment
From day one, this plan pays fixed benefits for any covered medical treatment. Benefits are paid directly to the medical service provider or employee. Employees enjoy the freedom to use the cash benefits as needed, to cover out-of-pocket medical bills, everyday living expenses or other unexpected costs. In addition, this coverage offers an annual wellness benefit that is payable to each covered individual under the plan.
Examples of Covered Incidents
» Doctor office visits
» Hospitalization
» Confinement to Intensive Care Unit
» Emergency Room
» Ambulance services
» Hospital admission for child birth
» Hospitalization due to mental illness and substance abuse
» Physicals, wellness exams
» Pharmacy benefits
» Surgical benefits
» Diagnostic lab work, X-ray and radiology services
» Durable medical equipment
» Physical, occupational, and rehabilitative therapy
» Chemotherapy & dialysis
» Private duty nursing
» Home healthcare
» CT scan
» MRI
Tele-Medicine (Included)
» Call a doctor anytime
» Doctor can diagnose and prescribe medicine over the phone
» 24/7/365 access
» Call from anywhere in the US
» $0 cost (unlimited calls)
» Entire household is covered
» Prescription can be picked up at any pharmacy, including Walmart
Mental Health Support (Included)
Unlimited Telephone Consultations and Referrals
» Anxiety/Depression
» Marriage and/or
relationship issues
» Substance abuse
» Anger management
» Grief and loss
» All insured household members covered
» No cost for first 3 in-person visits
Up to Benefits Options
Life Insurance: Guaranteed Issue, No Premium Increase to Age 121
Your employees choose the level of benefit that best meets their needs. (There are no heath questions for policies up to $100,000). Employees have the option to purchase coverage for their spouse and children, if they elect coverage on themselves.
Additional Benefits
Terminal Illness
Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL). Portable Coverage continues with no loss of benefits or increase in cost should your employee leave their job after the first premium is paid, in which case, the insurance company will simply bill the employee directly.
Family Coverage
Policies can be purchased on the employee’s spouse even if they don’t elect coverage on themselves. And they can cover their financially dependent children (14 days to 19 years old, 26 if full-time student) under their coverage or their spouse’s.
Protection You Can Count On
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less, is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
Up to Benefits Options
Critical Illness: Financial Peace of Mind at a Critical Time
Because of advances in technology and earlier detection, surviving a critical illness like these is likely. However, the cost can be financially devastating due to co-pays, high deductibles, exclusions for new treatments, expensive prescriptions, and lost wages. Did you know that 66.5 percent of all bankruptcies are tied to medical issues? With this coverage, your employees and their loved-ones will have a layer of financial security if critical illness strikes.
Up to Benefits Options
Accident Insurance
Accidents happen! In fact, they are the third leading cause of death in the US, according to the CDC. Even a less-serious injury can cause an employee to miss work and come up short on payday. This plan helps protects your employees’ financial security. From day one, it pays cash benefits for medical treatment of covered accidents (subject to claims processing).
Examples of Covered Incidents
Benefits Include
» Broken or dislocated bones
» Tendon and/or ligament damage
» Ruptured discs
» Burns
» Cuts/lacerations
» More (see brochure for full list)
» Ambulance
» Emergency air transportation
» Hospital stay
» ICU confinement
» Annual wellness benefit
Up to Benefits Options
Coverage is subject to exclusions and limitations and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on local county or US state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations and exclusions are set forth in the policy. Serviced by Innovataive Health Insurance Partners. Not available in CT, HI, ID, MA, MD, ME, MT, NH, NJ, NY, OR, PA, RI, SD, VT or WA.
