Simply put, a qualified high-deductible health insurance plan with a Health Savings Account (HSA) can provide you and your family the coverage you need, often at a lower-cost. In many cases, HSA plan insurance premiums can be 45 to 55% less than our traditional copay plans.

An HSA plan may be right for you if you want:

• More control over how your health-care dollars are spent.
• One annual deductible per family.
• To save money on monthly premiums.
• A tax deduction from your HSA contributions.
• Your unspent savings roll over year after year.

To learn more about costs, benefits, exclusions, limitations, renewal terms, and eligibility requirements, or to receive a quote, call one of our helpful Product Advisors at (866) 310-7451.

With a copay plan, you spend a copay to use Preferred Network doctors for office visits. After that, we pay 100% of history and exam fees.

Preventive care office visits are covered the same as other doctor office visits with copay benefits. Plus, most plans have prescription drug card benefits. And covered inpatient and outpatient medical expenses are covered up to a $3 million lifetime maximum benefit per covered individual.

A copay plan may be right for you if you:

• Prefer the convenience of copay benefits for routine health care expenses.
• Have young children with regularly scheduled doctor office visits.
• Want copay benefits for preventive care and prescription drugs.

To learn more about costs, benefits, exclusions, limitations, renewal terms, and eligibility requirements, or to receive a quote, call one of our helpful Product Advisors at (866) 310-7451.

With high deductible plans you get to keep more of your money by taking responsibility for covering minor or routine health care expenses – if they occur. The higher the deductible, the lower your premium.

A High Deductible Plan may be right for you if you are:

• Willing to pay for routine health care expenses in exchange for lower premiums
• Wanting lower cost protection from unexpected accidents and illnesses.
• An early retiree needing a bridge to Medicare.
  To learn more about costs, benefits, exclusions, limitations, renewal terms, and eligibility requirements, or to receive a quote, call one of our helpful Product Advisors at (866) 310-7451.

Short Term Medical^SM
Temporary coverage when you need it!

Short Term Medical^SM provides medical coverage for the in-between times. You can select nonrenewable coverage for one to six months.*

A Short Term Medical^SM plan may be right for you if you're:

• Between jobs or out of work
• A young adult finished with school
• An early retiree.
• Waiting for other coverage to begin
• A student no longer under a parental insurance plan To learn more about costs, benefits, exclusions, limitations, renewal terms, and eligibility requirements, or to receive a quote, call one of our helpful Product Advisors at (866) 310-7451.