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Health

 

Individual Health Plans

 

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Types of Plans Include:

PPO - (Preferred Provider Network) medical plan will give you more freedom and flexibility since these plans offer both in-network and out-of-network benefits. And, referrals are not necessary for care.

From a very rich PPO with no In-Network deductible and small co pays for routine office visits to a very lean plan with a $2,000 In-Network deductible and 20% coinsurance for all benefits, we can help you find a plan that right for you.


HMO - (Health Maintenance Organization) medical plan that allows you to choose a primary care physician (PCP) to guide and coordinate care within a network of providers. Key highlights of these plans are:

  • Specific provider network
  • Referrals required for specialty care on some plans
  • Generally lower overall out-of-pocket costs for care

HSA - (Health Savings Accounts)  medical plan paired with a high deductible health plan to allow you to save money for future medical expenses on a tax exempt or tax deferred basis. Key highlights are:

  • Eligible to make tax-deductible contributions to an HSA account
  • HSA account grows and savings can be carried over to subsequent years
  • Nationwide network of providers
  • No referrals necessary

HRA - (Health Reimbursement Account) are an, employer-funded accounts that employees can draw upon to pay qualified medical expenses, are usually offered as part of consumer-directed health plans (CDHPs), a fast-growing marketplace solution to rising health care costs.

HRA’s and HSA‘s are terrific new options for the right employer. We will be happy to have an in-depth conversation to determine if these programs are right for you and your company.

Short-term health insurance plans are a great solution when you're between jobs, waiting for group coverage to start, or if you're a recent college graduate.

  • Flexible and affordable temporary health insurance for up to six months
  • Short, simple and secure online applications
  • Immediate protection - your coverage may start within 24 hours

 

Individual Dental Plans

A dental plan typiRequest Quotecally state the benefits, exclusions, and any reduction in coverage.  Plans are normally written with stated annual maximum dollar benefits, not appointment numbers, or teeth repaired.

**(PPO) preferred provider organization plans available. A smaller network of dentists who participate have agreed to accept lower reimbursement for services, thereby lowering employees' out-of-pocket costs.**

Types of Dental Care:

  • Endodontics - covers dental pulp and root canals
  • Periodontics - covers treatment of gum problems and disease
  • Orthodontics - covers teeth alignment and other teeth irregularities.
  • Restorative Care - covers restoration and functional use of natural teeth.
  • Prosthodontics - covers bridgework and dentures.
  • Oral Surgery - covers surgical treatment of diseases, jaw defects, and injuries.

Types of Coverage:

Type I - Diagnostic and Preventative Care (No Deductible):

  •  Oral exams and cleanings
  • Sealants
  • X-rays

Type II - Basic Dental Care - (Deductible Applies)

  • Amalgam or Composite (white) fillings
  • Simple extractions
  • Denture repair, recementation of crowns, and repair of bridges and crowns
  • Endodontic/Periodontic/Comples oral surgery

Type III - Major Dental Care - (Deductible Applies) (Waiting Period)*

  • Endodontic/Periodontic/Complex oral surgery
  • Crowns
  • Prosthodontics/dentures/bridges
  • Implants

*Waiting period is the time the plan must be in force without a lapse within a certain specified period of time usually 6, 12, or 18 months before procedure is covered.

Type IV - Orthodontic Benefits - (No Deductible) (Waiting Period)

  • Orthodontic Services

Annual Maximum Benefit

This the total amount of benefits covered by the policy on an annual basis before completely exhausted.

  • Maximum Benefits typically range from $1,000 to $2,500 per year.

 

Individual Short & Long Term Disability

Disability benefits are payments that provide income when an insured can no longer work due to an illness or accident.

 

Short-Term Disability (STD):

  • Short term disability covers a percentage of an employee's income (typically 60% to a weekly maximum benefit) to a maximum duration of 13 to 26 weeks. This disability plan is always less than 2 years.
  • An elimination period* may be short as zero days for accident and 7 days for sickness but rarely more than 15 or 30 days.Contact Us

*Elimination period is the number of days that must be exhausted while the insured is disabled before receiving benefits from policy.

 

Long-Term Disability (LTD):

  • Long-term disability coverage is characterized by benefits periods of 2 years, 5 years, or will provide benefits to age 65 or social security retirement age while providing 60% of an employee's monthly income to some specified amount. 
  • An elimination period typically consists of 30, 60, 90, or 180 days.
  • Normally a waiver of premium for disability applies after a prolonged period specified by the policy.

 

Accident Insurance

Pays lump sum benefits for on and off the job accidents, plus some medical benefits.  Coverage is typically for unlimited number of accidents

Features Include:

  • Fractures and Dislocations
  • Loss of Limb and Death
  • Ground and Air Benefit
  • Hospital Confinement
  • Intensive Care
  • Medical Expenses

 

Travel Medical Insurance

 Whether you're simply planning a vacation in the South of France or preparing for a semester of study abroad, International Medical Group has a policy designed for you. With coverage for Emergency Medical Evacuations or getting a family member to your bedside in a foreign country, these policies cover a multitude of services not normally available with typical health insurance.

Some Benefits Include:

  • Hospital Room and Board
  • Intensive Care
  • Medical Expenses
  • Outpatient Medical
  • Local Ambulance
  • Emergency Room Accident and Illness with or without in-patient admission
  • Dental injury due to accident
  • Sudden Dental Pain
  • Emergency Evacuation and Reunion
  • Return of Mortal Remains
  • Returning Minor Children
  • Political Evacuation

 

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Disclaimer

**The feature icons displayed are a summary for informational purposes only. Review the evidence of coverage and insurance policy (plan contract) for a detailed description of coverage benefits, limitations, and exclusions.**