Stand Alone Plan
Boost Current Policy
Share With Entire Household
Hidden Perks
Use it how you need to
Perks Worth Having
A few of the many benefits. A tier for everyone to select from.
Accident Coverage
-
Use your benefit amount to wipe out your current health plan's health deductible or max out of pocket
​(Benefit amount varies on plan tier)
+ Premier Vision
-
+ to your Association
-
Spectera Eye Network
-
Comprehensive Eye Exam's
-
Benefits on Glasses or Contacts
MDLive
-
24/7
-
Free & Unlimited
-
Pick Up Antibiotics In 1-24hrs​
Accidental
Death & Dismemberment
-
Loss of Life
-
Loss of Limb
-
Loss of Speech or Hearing
Hospital Benefits
-
Hospital Room & Board Expenses Incurred
(Benefit amount varies on plan tier)
+ Secure Dental
-
+ to your Association
-
PPO Network's
-
Highest Maximum Benefit Plan
-
Free In Network Cleanings
And much more.
What To Expect
01
Accident Coverage
POLICY EXAMPLE: (Employer Plan, Marketplace Plan, VA, Tricare,etc.)
$758.45/mon premium​ | $5,000 Health Deductible
80% / 20% Co-Insurance | $9,450 Max Out-of-Pocket​
Without Association Plan:
(Regular health policy)
With Association Plan:
(Executive Diamond $89.95/mo)
Total Hospital Bill: $12,564.89
​
Health Deductible:
You pay $5,000 out of pocket.
​
Coinsurance:
- 80/20 Plan
You pay 20%: $1,512.98
​
Your Total Out-of-Pocket Cost:
$5,000 (deductible) + $1,512.98 (coinsurance) = $6,512.98
​
Final Insurance Coverage:
$2,937.02 is the remaining amount until you reach your max out-of-pocket for insurance to cover you 100% the rest of the year on any medical bill for the person.
​
You'll pay 20% of the amount of medical bills the rest of the year until you have paid $2,937.02 more. Reaching the $9,450 Max Out-of-Pocket per person per year.
$12,564.89
- $5,000
(You Paid)
$7,564.89
(Insurance Paid)
(You Paid)
80%: $6,051.91
20%: 1,512.98
(You Paid Total)
$6,512.98
Total Hospital Bill: $12,564.89
​
Supplemental Benefit Payout:
Receive a check for $9,500 (after $500 deductible) - Deducted from check received, you don't physically pay it.
​
Use the $9,500:
You use this amount to pay
your health plan’s deductible ($5,000) and remaining out-of-pocket costs ($4,500).
​
Remaining Costs:
$0 out of pocket because the supplemental benefit covers your deductible and max out-of-pocket
potential.
​
Final Insurance Coverage:
​
$12,564.89
+$9,500
- $5,000
(You Paid)
(Recieved)
$4,500
$7,564.89
(Check Leftover)
(Remaining Bill)
(Insurance Paid)
(You Paid)
80%: $6,051.91
20%: -$1,512.98
(You Paid Total)
$0
(Check Leftover)
$2,987.02
​You'll pay 20% of the amount of medical bills the rest of the year until you have paid $2,937.02 more. Reaching the $9,450 Max Out-of-Pocket per person per year. At least you'll have $2,987.02 leftover.
This means you possibly only paid your monthly premiums for both plans (Your current health plan & supplemental plan). Essentially pocketing $50.00+ because of your hospital bill that at the end of the year you were covered at 100%.
​​
Summary of Costs:
Without Supplemental Benefit: You pay $6,512.98.
With Supplemental Benefit: You pay $0 out of pocket.
Executive Diamond Tier is $89.95 for the entire family household. One flat rate of $1,079.40 per year could save you over your $10,000 maximum out of pocket potential.
Other Tier Levels represent the exact example above. If you have a solid employer plan, etc. that maybe has a $4,000 max instead of $10,000; theres a plan for you too.
02
Hospital Confinement Benefits
You get paid more.
The bills are already taken care of.
Additional Supplemental Benefits
-
Room and Board Coverage:
-
The supplemental plan offers additional levels of benefits, which help cover costs like hospital room and board.
-
If these costs are related to the accident, the main expenses have already been taken care of by the $9,500 payout.
-
​
Pocketing Extra Money
-
Benefit Payouts:
-
Since the main expenses are covered, the supplemental plan’s additional payouts (like room and board) essentially become extra money.
-
This means you might be able to pocket this additional money from the supplemental plan, as the major costs have already been handled.
-
03
MDLive Telemedicine
Talk with a live doctor anytime, anywhere. Antibiotics sent to your closest pharmacy.
It is FREE and UNLIMITED to speak with a primary care physician without having to worry about time.
Have that busy meeting to get to?
​Middle of the night takes a turn and have a cold coming on, if it is that bad then MDLive will be available.
Just got off work and doctor's offices are already closed?
Don't want a waiting room for your name to be called? Especially when you're sick or have something going on where you'd like to remain private.
Kids running late for school?​
Dermatology and Mental Health services are available for a small copay.
Disclaimer:
​
All products will require a verification call. Your new agent will contact you to confirm your selection and for the security and protection of our clients, the insurance company will verify your application with you separately to ensure accuracy.
​
​
​
Executive Diamond
89.95
Every month
+$40 Initiation Fee
Valid until canceled
$500 Deductible for $10,000 Accident Coverage
$800 a day Hospital Confinement
MDLive
Diamond
62.95
Every month
+$40 Initiation Fee
Valid until canceled
$500 Deductible for $5,000 Accident Coverage
$600 a day Hospital Confinement
MDLive
Emerald
52.95
Every month
+$40 Initiation Fee
Valid until canceled
$400 Deductible for $4,000 Accident Coverage
$450 a day Hospital Confinement
MDLive
Sapphire
42.95
Every month
+$40 Initiation Fee
Valid until canceled
$300 Deductible for $3,000 Accident Coverage
$300 a day Hospital Confinement
MDLive
Ruby
32.95
Every month
+$40 Initiation Fee
Valid until canceled
$200 Deductible for $2,000 Accident Coverage
$150 a day Hospital Confinement
MDLive
Pearl
22.95
Every month
+$40 Initiation Fee
Valid until canceled
$100 Deductible for $1,000 Accident Coverage
$100 a day Hospital Confinement
MDLive
Coverage Tiers
One Family, Single Rate.