Products
Flexibility and reliability are the hallmarks of our product portfolio. Whether you need coverage for everyday medical expenses or want peace of mind for more serious medical events, we can help.
Premier Advantage
Fixed Indemnity Plans provide first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred.
Premier Choice
Specified Disease/Sickness and Accident PPO Plans provide first dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pay the expenses charged for covered services after the PPO discount, up-to each benefit maximum.
Secure Advantage
Specified Disease/Sickness and Accident PPO Plans ensure you secure the right level of protection for you and your family to prepare for life’s unpredictable moments. These plans use your selected network and provide flexible options that allow you to choose the most appropriate deductible and coinsurance combination that meets your needs and budget for sickness and accident coverage.
Health Access Plus
The Health Access Plus Fixed Indemnity Plan is offered without medical underwriting and provides first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pays the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network.
Med Guard
Provides lump sum benefit payments to the insured to help offset any out-of-pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death.
Secure Dental
PPO plans can help your family maintain a healthy smile. The plans utilize your selected network and pay the expenses charged for covered services after the PPO discount up to the stated maximum, subject to the required deductible.
The Affordable Care Act (ACA)
Commonly known as Obamacare, is a comprehensive healthcare reform law enacted in 2010 with the goal of making health insurance more affordable and accessible for Americans. It established health insurance marketplaces where individuals and small businesses can compare and purchase insurance plans, often with the help of subsidies and tax credits for those with lower incomes.
The ACA expanded Medicaid eligibility in participating states, allowed young adults to remain on their parents’ insurance until age 26, and prohibited insurance companies from denying coverage or charging higher premiums due to pre-existing conditions. Additionally, it mandated that all ACA-compliant insurance plans cover essential health benefits such as preventive services, mental health care, and emergency services, aiming to improve the overall quality and accessibility of healthcare in the United States.