Limited Medical
We offer a wide variety of carriers, unique plan designs, communications tools and enrollment options to help your client take care of those employees who generally are not eligible for benefits.
Because of our numerous industry relationships, you can offer the most appropriate cost-controlled health insurance options as well as a full line of ancillary coverages to your clients or prospects who have part-time, hourly, seasonal or full-time employees not covered under their employer’s major medical plan.
With our “turn-key” approach, all you need to do is call us and we’ll research the carrier market, set up the proper enrollment vehicle and set up a communication plan to maximize enrollment. Depending on the case, we can utilize a call center approach, and, of course, we’ll take care of the administration.
The Need
Currently, 40 percent of low-wage workers are not offered any type of health insurance coverage, compared to 92 percent of higher-wage families.
- Recent news articles have criticized mini-medical, limited benefit, or supplemental health insurance plans primarily because of their low benefit options. They state that many of these plans have little or no coverage for preventive care and claim most employers don't contribute toward premiums.
- This press is misleading since these types of plans were never intended to replace major medical insurance.
Employers need better education on this type of health insurance plan andneed to see the value they hold for their employees who may lack health insurance.
- Kaiser Commission on Key Facts, "Why Are So Many Americans Uninsured?" 2002.
- Fast Growing Health Plan Has a Catch: $1,000-a-Year. Wall Street Journal, May 14, 2003.
The Solution
Supplemental life and health insurance plans that provide health insurance coverage without a hitch.
Target Audience: Businesses with no health insurance benefits or those looking for an alternative option to a major medical plan. Under certain circumstances, it can also meet the needs of associations and local chambers.
