DEFINED BENEFIT HEALTH PLANS

#1 Reccomended

PERMANENT PLAN (TIL AGE 65)

June 21, 2025

You only have to prove insurability once with this plan.  After the initial application is approved and your policy is effective they can not terminate you unless you do not pay your premium.  The policy is guaranteed renewable until age 65 no matter what health conditions may arise.

NATIONWIDE PPO NETWORKS (CHOOSE YOUR OWN DOCTOR)

June 21, 2025

Yes!  You can go to any doctor or hospital with one of these top affordable health insurance plans and the insurance company will pay the same amount.    However, again, you may receive additional savings by going to an in-network provider.

PAYS FIRST DOLLAR COVERAGE (INSURANCE PAYS FIRST)

June 21, 2025

In most cases there is no deductible on these plans.  In addition, the insurance company pays the provider first!  If they pay the whole bill then you owe nothing!  If there's a balance then you owe the balance.  When have you known what an insurance company would pay before you went to the Dr. or hospital?  Now you will...so NEGOTIATE with them!

DIFFERENT OPTIONS TO FIT YOUR BUDGET

June 21, 2025

Most of these plans offer different coverage levels so you may choose a plan that fits within your budget.  If you're in the middle income bracket or higher and healthy, these are the plans for you.  They are 40-70% less than your typical ACA Plan.

NO DEDUCTIBLES ON MOST PLANS

June 21, 2025

In most cases, these plans do not have deductibles on any outpatient services.  If they have a deductible at all, it is usually only for hospitalization.  Most have no deductibles or copays for dr. visits, outpatient testing, outpatient surgeries, shots, x-rays, etc.  The company pays a set amount and you pay nothing unless the whole bill isn't paid by the insurance company.