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Christopher Reams Sr
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Christopher Reams Sr   My Press Releases

Multi Plan Health Care An Alternative to Traditional Health Insurance

Published on 1/11/2019
For additional information  Click Here

Multi Plan Health Care Traditional Health Insurance Alternative

 

Advanced Insurance Resources

Multi Plan Health Care Health Insurance Alternative

 

It is no secret that health insurance is beyond affordable for a single person or family. The affordable care act created a clear path for everyone to gain health insurance regardless of health. Gaining access to health insurance is necessary to maintain a healthy lifestyle or maintain certain health challenges. People across America have access to primary care physicians, specialists, and urgent care benefits.

However, health insurance flexibility decreased when the ACA became law. Families that used PPO plans were forced to use HMO plans under the new law. Doctors opted to decline certain health plans under the ACA and most health insurance companies no longer offered individual health plans. Furthermore, premiums tripled the last four years making the term affordable, obsolete. Some families obtained financing from the government called a premium subsidy. The subsidy contributes to the health insurance premium while the customer finance the remaining difference in premium.  In years past, everyone was mandated to purchase health insurance or suffer an insane tax penalty. 2019, the individual mandate was dismantled by the Trump administration, resulting in families not opting into an ACA plan for 2019. Mainly due to premium increases. At this point families desire options, especially those that don’t qualify for a government health insurance subsidy.

Multi Plan health care services are an alternative to traditional health insurance plans. Individuals and families control health care costs, health insurers pay negotiated rates, plans are flexible with doctors and hospitals. Multi plan health benefits provide a fixed cash benefit amount for all minor and major services. Unlike HMO plans the multi plan fixed indemnity plans will cover any doctor or hospital. Submit your plan ID card to the physician, the insurer will pay out on your behalf, or the insured pay the doctor and the health insurer will reimburse the plan amount for the specific service. 

While health insurance companies have different levels of coverage, I’ll outline an example of how multi plan cash indemnity options work. Remember, these are actual fixed cash amounts paid to the health facility or to the customer.

 

Hospital Services

·        Inpatient Stay $5000 per day

·        Emergency Room $500 Per Day

·        Ground Ambulance $1000 per trip

 

Surgical Services

·        Out Patient Facility $1000 Per Day

·        Minor to Major Surgery $500 to $10,000 Per Day

 

Primary Care Doctor Visits

·        Office Visits/Urgent Care $100 per visit

 

Wellness Preventive Care

·        Yearly wellness Primary Doctor visit $250 per visit

 

Pharmacy Services

·        Generic Medication $20

·        Brand Name $40

 

Out Patient Services Non Surgery

·        X-ray $300

·        Diagnostic $1000

·        Chemo $2000

The Plans go into further detail when reviewing actual multi plan benefits.

 

Multi plan healthcare plans are great alternatives for traditional health plans and those that wish to add to his/her health plans. Plans are affordable with several options. Should you have any questions please contact us.

 

Christopher Sr

Advanced Insurance Resources

Multi Plan Health Care Traditional Health Insurance Alternative

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