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Tennessee
Group Health Insurance - The Facts
When it comes to group health insurance you have very few choices.
| 1. |
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Use
a major carrier and pay for an expensive group health plan. You didn't
need to search the Internet to realize this. Most of you are already
paying too much and are looking for an alternative. |
| 2. |
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If
the group is relatively healthy, individual plans are a lot cheaper
than group coverage. We will help you find the lowest cost plans and
advise you on the tax consequences of this choice. You can even have
a Medical Savings Account (MSA) with list billing. |
| 3. |
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By
combining PPO network access with an indemnity plan, you could create
a very low cost group health insurance alternative. The plan is guaranteed
issue (for groups of 5+) or have very "relaxed" underwriting
for a sole proprietor. This is our specialty |
All of our
benefit plans are very low cost. You have nothing to lose by
getting a free quote. We can usually offer the base TGI Plan for
about $130 per employee (including the prescription card)
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TGI PLAN
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- NO EMPLOYER
CONTRIBUTION REQUIRED - THESE ARE VOLUNTARY
- ALL PRE-EXISTING
CONDITIONS ARE COVERED
- GUARANTEED ISSUE
- COVERS MATERNITY
- NATIONAL NETWORK
- INDEPENDENT
CONTRACTORS (1099) EMPLOYEES AND PART-TIME WORKERS ARE PERMITTED
| Base
Plan (these are the amounts the plan will reimburse based on an actual
medical expense): |
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| Office
Visits (6 office visits per person/per year) |
$10
copay |
| Diagnostic
X-Ray & Lab |
$60/per
test |
| Accident
Coverage (per occurrence) |
$1,000 |
| Surgical
Schedule |
Up
to $3,000 |
Hospital
Indemnity (per day, up to lifetime maximum
of 500 days) |
$1,000 |
| Substance
Abuse (per day, up to 30 days per calendar year) |
$500 |
| Intensive
Care (per day, up to 30 days per calendar year) |
$2,000 |
| Skilled
Nursing (per day, for stays in a skilled Nursing Facility, up to a
maximum of 60 days per stay) |
$250 |
| Mental
Illness (per day, up to a maximum of $5000 per calendar year) |
$250 |
| Life
Insurance/AD & D |
$5,000 |
| Dependent
Life |
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| Spouse
|
$2,500 |
| Children
(10 days to 6 months) |
$200 |
| Children
(6 months to 19, 26 if full-time student) |
$1,250 |
Optional
Benefits :
- Generic Co-Pay Card - $5.00 co-pay for generic prescriptions
Maximum Benefit - $400 per month/$4,800 per year
Brand named prescriptions are discounted.
- Catastrophic
loss coverage. $10,000 deductible then it covers the next
$1 million at 80/20.
- Cancer indemnity
coverage up to $50,000
- Dental and Vision
coverage
- Disability (Low
cost, ask for a quote)
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I
am going to offer you my "two cents" on the subject
If you want any chance of lowering and controlling
your group health insurance costs you better get creative. The raise
you got this year will be repeated again and again.
We decided to address the cost problem by offering an extremely
high daily benefit medical indemnity plan coupled with PPO access.
The rates for this plan are excellent and increases should be very
minimal. We think that it offers an exceptional amount of coverage
for the dollar and should be considered.
I
suggest that you give us a call. Advice and quotes are free.
I
really appreciate you taking the time to read information on this
site and look forward to speaking with you personally.
Martin
Unger
Chief cook and dishwasher
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US AT 1-800-986-4786 |
or
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