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Learn More About Our Health Insurance Plans
SIckness and Accident coverage
The PremierChoice Specified Disease/Sickness and Accident PPO Plans provide first dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied.
These plans utilize a nationwide PPO network and pay the expenses charged for covered services after the PPO discount, up-to each benefit maximum. Plus, you can buy more coverage if you need it, including PremierMed, the catastrophic safety net, without additional underwriting! Ask your Agent how!
Health & Wellness
The PremierChoice Health & Wellness PPO Plans provide first dollar fixed indemnity benefit payments for wellness and health screening services without having to satisfy a calendar year deductible. These plans utilize a nationwide PPO network.
The PremierMed Plan provides comprehensive outpatient and inpatient short term medical expense coverage and also utilizes a nationwide PPO network. After a $3,000 deductible is met, which is less than the typical deductible available on either an ACA bronze or silver plan in the federally facilitated marketplace, 100% of incurred expenses for covered sickness and
bodily injury is paid.
But, why pay for comprehensive medical expense coverage until you need it? With the PremierChoice Plans and the PremierChoice Rider providing each insured with the guaranteed right to Upgrade to the comprehensive medical coverage of PremierMed, you don’t have to buy comprehensive coverage until you need it.
Lump Sum Benefit Critical Illness Insurance
The MedGuard Plan provides lump sum benefit payments to the insured to help offset any out of pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death. This unique and valuable MedGuard coverage is achieved by combining the Plan’s 5-year renewable term life benefit payable to the named beneficiary with a stated percentage of the Plan’s life benefit paid in a lump sum to the insured for covered critical illnesses, injuries, and surgeries. The life benefit is reduced by the amount of lump-sum benefits paid.
The Individual Choice Dental Insurance plan can help your family maintain a healthy smile. The plan provides coverage for preventive, basic, and major dental care, after a deductible. Unlike some other dental plans, coverage is not limited to a select list of providers. The Individual Choice Dental Insurance plan can be used at any dentist!
The PremierVision plan is easy to use and can help save you money with both insurance benefits and negotiated discounts provided by the EyeMed Insight or Spectera Network. PremierVision provides benefits for the annual comprehensive eye exam, corrective standard lenses, and frames, or corrective contact lenses in lieu of lenses and frames.
Members automatically receive many privileges, discounts and benefits, all at no additional cost, including some of the more popular ones listed below:
- Unlimited non-emergency telemedicine consultations through the physician’s group, including prescriptions sent to the Member’s pharmacy. Online dermatology and behavioral health consultations are also available to Members at reduced rates.
- Hospital Confinement Room & Board Daily Benefits underwritten by Freedom LifeInsurance Company of America, also a USHEALTH Group® company (“FLIC”).
- Accidental Bodily Injury Excess MedicalExpense Benefits, also underwritten by FLIC.
- Accidental Death & Dismemberment Benefits, also underwritten by FLIC