Your Healthcare Partner...
A Unique Approach

When Non-Profit Associations work together with Major Medical Insurance Companies, the consumer directly benefits. Group Insurance has always allowed the individual Members of a Group to receive premium discounts over Individual or Family Policy premiums. The discounts become even greater when these Associations each hold a Group Policy written on their Association and share the Medical Benefits of the Group Policy with their Membership who are also placed within the Major Medical Group.

This Group Association-to-Insurance Company relationship and the savings yielded by it is particularly practical when the Members of the Group, such as the 120 million Workers in America who either have NO MEDICAL BENEFITS or are UNDER-INSURED, are living in all 50 States. Because the Associations are recognized in all those 50 States, the Membership Savings are equal and the same to every Member, irrespective of their State of residence. Therefore every person enrolled in the Group receives the same comprehensive Health Care Benefits as well as the shared lowered cost. Although the Major Insurance Carrier may change from State-to-State, according to individual State Licenses, the relationship to each of the Associations that are producing the savings remains a constant in every State.

What this means for the EMPLOYER is the opportunity to offer Medical Benefits to the Employees perhaps for the first time, as before this, the COST of offering BENEFITS was too prohibitive for most Employers. Now, even the SMALL BUSINESS OWNER CAN AFFORD TO GET BENEFITS, FOR THEMSELVES AND FOR THEIR EMPLOYEES!

Each of the Select Plans include a joint membership in two such Non-Profit Associations: The leaders in providing equal Insured Benefits to both Employers and individual families alike. A service they have been providing now for more than two decades.

WORKING WITH MAJOR MEDICAL

The Insured Benefits provided by the two Associations allow for an additional option: If you choose to add a Major Medical Policy to the "SELECT PLANS" -- traditionally the most expensive part of a Plan -- this Major Medical Policy can now be modified and consequently, sharply reduced in price, thus creating total savings overall. In addition, Dental and Vision -- which normally would cost extra in traditional Benefit Plans -- are now included in all the SELECT Plans at no additional charge.

Once you study the Plans, you will realize just how much you will save using this unique approach.

To discover how you could SIGNIFICANTLY benefit as an INDIVIDUAL
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To discover how you could SIGNIFICANTLY benefit as an EMPLOYER
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THE TRADITIONAL APPROACH TO MAJOR MEDICAL INSURANCE

Providing Health Care coverage to Americans in today's "crisis market" is a constant challenge for insurance companies. Faced with ever increasing costs from medical providers and facilities, the companies have no choice but to continually increase premiums in order to cope. To help meet these challenges, the insurance companies apply a "shared-expense" formula to every policy, involving a mix of deductibles, payment-caps and co-pays on the part of the policy holder, "managed care" repricing arrangements with network providers and then there are the rules of exclusion for determined "pre-existing conditions" during the underwriting process. Nevertheless, prices continue to climb on a yearly basis with no apparent relief in sight.

The Policy Holder does not (or will not) take the time to understand how the system works and for all practical purposes would probably never fully understand how the system works, even with full disclosure. The language in the Policy is generally too "legal" to fully grasp. But if the insurance companies are going to survive what has always been acknowledged as the "Health Care Crisis", that language which sets the "terms and conditions", "limitations", "exclusions", etc., must all be in there for their own protection. So Policy Holders let the status-quo remain and try to meet the monthly premiums as best they can, with ever increasing yearly premiums.

What the Policy Holder fails to realize, however, is the fact that each year, 96% of them pay far more into their medical policy than they will ever use in their lifetime. They do this because they are afraid of the "sometime in the future" having to meet that "major medical catastrophic event" that could cost ten's, if not hundred's of thousands of dollars when it occurs, or the development of a "pre-existing condition" that may cost everything they own to manage. This is the same for the insurance company for when these events do occur, it is the company that has to meet the greater expense, after the deductibles, caps and co-pays have been met by the Policy Holder.

Let us do some numbers:

Let us suggest the typical major medical policy for an American Family with a reasonable deductible runs $650.00 a month. Of course many factors will play into that premium amount, but for the sake of this exercise we will stay with this amount. The employer may be paying the bulk of this amount and there are Americans today who have been in this "employer contribution" arrangement since they started in the work-force and may still not realize just how much it actually costs to maintain their Health Care Coverage. In addition to this Major Medical Premium, the family may elect to add Dental and Vision to their benefit package, which normally increases the combined premium by another $100.00 a month.

At $750.00 a month that represents a yearly contribution of a minimum of $9,000.00 a year, if they never use their benefits. If they do access medical and/or dental care -- which they will -- the deductible (which is calculated per family member) and the co-pays, and the "80/20" or "70/30" shared settlements will most likely add at least $2,000.00 to that year's medical expenses. This means on this single Family Policy, around $11,000.00 is paid in per year. People work an average of 40 years in their lifetime and for many of them, they might visit the hospital a total of 3 to 5 days during that entire period time. With children growing up in the family, the trips to the emergency and out-patient clinics will constantly be there, but those bills will generally never equal $11,000.00 a year.

40 years at just the base premium of $9,000.00 a year (which we know will not remain at that yearly level since premiums are already rising an average of 15% a year) amounts to $360,000.00 -- enough to pay off the typical home in the USA two times over! If the long feared "catastrophic event" hits, on that particular year, the amount paid in by the Policy Holder could be as much as an additional $15,000.00 before the co-pays and deductibles are fully tapped, making the total price for medical care that year equal to about $24,000.00 including the premium.

Most Americans fail to figure in that initial $9,000.00 yearly contribution when they address their additional $20.00 co-pay on their doctor visit or prescription drug purchase. If that was their only time in the year to use their medical benefits, their co-pay was not just $20.00 but $9,020.00. Yet, what choice do they have? Faced with no alternative, with the help of their employer, they just pay and pay month-in and month-out, year-in and year-out!

To discover how you could SIGNIFICANTLY benefit as an INDIVIDUAL
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To discover how you could SIGNIFICANTLY benefit as an EMPLOYER
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THE ALTERNATIVE APPROACH Now when you incorporate Group Benefit Policies from National Non-Profit Associations into this same program, several plus positives occur that spell immediate lower costs and relief for the employer or the Policy Holder, without decreasing benefits. Since benefits are now paid on a shared basis by a number of insurance companies, this helps to manage the total cost and does not place the complete burden on a single insurance carrier. The Association's Group Policy on that national level has a greater capacity to meet the needs for far less cost per individual member than that same individual would have to address on a local basis or by belonging to a small self-insured group. There is no longer a need to pay an initial $9,000.00 a year into a "one-stop-shop" insurance company who must charge such an amount to stay in business. Now that $750.00 a month is broken up between a number of providers who each have less liability and therefore on both an Individual and a Group basis can provide coverage for a lesser premium. By combining all these factors together, the final result may lower the combined monthly Premium and Association Dues to about 50% of what they are paying now! In our example, this would save the Family (or the Employer) as much as $4,500.00 a year. In addition, most Association Dues are not as subject to increase as the 15% yearly jump in present health insurance premiums, so the monthly contributions are less likely to dramatically change over time. To discover how you could SIGNIFICANTLY benefit as an INDIVIDUAL Click Here To discover how you could SIGNIFICANTLY benefit as an EMPLOYER Click Here