The Indemnity, Group Plan

Mini-medical plans are now being offered to supplement the historical major medical health insurance plans. Since they confine their coverage to specific areas that are most utilized and limit the amount of claim, the premiums are more controllable and stable than the catastrophic major medical plan. These programs are not designed to replace the larger insurance coverage plan, they are designed to supplement the major medical health insurance and other coverage's to permit larger deductible that will reduce premium cost. Where necessary, they can stand on their own for the right individual.
Because of their design, they are issued without medical questions or exams and simply limit, for the first 12 months of insurance coverage, the in-hospital and surgical benefits for pre-existing conditions that exist 12 months prior to coverage.
The indemnity plan health insurance is becoming the best first step option for individuals to design their medical coverage/health insurance according to their needs and budget.
 

Small Group Health Insurance Plan, 1 - 500 Lives
 

Many small businesses are not of sufficient size to permit the use of group health insurance plans that will reduce individual premium rates and accept everyone without answering medical underwriting questions. This plan offers, at least, a base of coverage at an affordable premium and will provide coverage to all without regard to their previous medical conditions (see preexisting conditions 12 months limitations). Although this health insurance plan is not designed to stand alone, it does provide a base of coverage that may be used in conjunction with a high deductible major medical plan or any other plan of health insurance coverage. This Plan pays you upon each occurrence.

If you would like information regarding a high deductible major medical insurance plan to go along with this Indemnity plan please call our offices at 1-800-278-2323