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and the Consumer is King
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Defined Benefits Health Plan Features
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You Choose Calendar Year Coverage
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You Choose Benefit Level
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You Choose Your Hospital Deductible
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No Deductible, Copay, or Coinsurance on any Outpatient Benefits
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No Deductible, Copay, Coinsurance on all Outpatient Benefits
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Guaranteed Renewal to Age 65 -No need to shop every year
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Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K
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Annual Premium Increases typically 3% or less
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Available for Individuals and Groups
Consumer Driven Health Plan Benefits
Benefits featured are based on 2 units of HCP Gold and are available with select plans.
Doctor Visits & RX Benefits - NO copays, deductibles, coinsurance!
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Go to any Dr. or Hospital you choose
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Pays $160 for (20) visits per Insured annually
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Pays $200 for (2) Specialists visits annually
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Pays $30 for generic and $60 for name brand RXs
Preventative Benefits - NO copays, deductibles, coinsurance!
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Benefit starts 60 days after policy Effective Date
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Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
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Pays Additional $250 for other Preventative Services per calendar year
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Optional 100% coverage (recommended for childbearing aged women and children needing wellness visit).
Surgery Benefit - NO copay, deductibles, coinsurance!
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Outpatient & Inpatient Surgeries
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Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
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Pays 3x Medicare basis toward surgeons, asst. surgeons, and anesthesiologist
Hospital Inpatient Benefit - Per 24 Hours
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Hospital per day benefit of $4,500 to $6,750 per day for standard room
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Hospital ICU benefit up to $6,750 to $7,500 per day
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Optional First Hospital Admission $6,350 Lump Sum
Accident & Emergency Benefit - NO copay, deductibles, coinsurance!
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Pays $400 for Urgent Care and $800 for ER Care 2x per year
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Pays up to $4K of Actual Expenses for up to 45 days from the Accident date
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Ambulance air or ground pays up to $10K with accident coverage
Catastrophic Benefits
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Lump Sum Paid upon diagnosis up to $30K per Adult and $10K per child. Ask us for list of covered diseases
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Pays up to $500K additional per calendar year. Ask us for list of covered diseased and events.