The Benefits Of Online Health Insurance Everyone Should Know Before Becoming A Member

With the overwhelming support from web aggregators, anyone looking to purchase a policy online finds it easy to review and compare different health insurance packages. Another good news is that the buyer accesses all the information about the policy features and the cost of the premium through the help of available brochures online. 

Also, online health insurance allows users to gain excellent flexibility in accessing a full portfolio of plans that let them tailor health coverage to their specific needs. It allows users to customize their packages. Several insurance plans offer an array of options for customers on a limited budget and those looking for additional benefits. No matter the type of plan clients choose, online health insurance providers always work with them to build the best health coverage for them and their families.

What are online health insurance products?

The users of online health insurance are likely to be spoilt of several products as their benefits. The undermentioned are some common products users are likely to enjoy from any online health insurance provider.

Premier Advantage-Fixed Indemnity PPO

The Premier Advantage Fixed Indemnity Plans to provide first-dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred. Plus, the users can buy more coverage, if they need it, through PremierMed without additional underwriting! 

Another significant benefit of this product is that the user may choose any Doctor and hospital!   The PremierAdvantage Fixed Indemnity Plans pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of the network. But one can stretch their dollars further by choosing an In-Network Provider.

PremierChoice-Disease, Sickness, and Accident PPO plans

The PremierChoice Specified Disease/Sickness and Accident PPO Plans to provide first-dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied. 

These plans utilize the user’s selected network and pay the expenses charged for covered services after the PPO discount, up to each benefit maximum. Plus, users can buy more coverage if they need it, including PremierMed, the catastrophic safety net, without additional underwriting!

SecureAdvantage

The SecureAdvantage Specified Disease/Sickness and Accident PPO Plans ensure the users of online health insurance secure the right level of protection for them and their families to prepare for life’s unpredictable moments. These plans use their selected network and provide flexible options that allow them to choose the most appropriate deductible and coinsurance combination that meets their needs and budget for sickness and accident coverage. 

Online health insurance users can also enhance their coverage by adding doctor office visits, x-ray, laboratory, and prescription drug coverage.

They may also be interested in coverage for wellness and health screenings. The SecureAdvantage Health & Wellness PPO Plans provide the first dollar fixed indemnity benefit payments for wellness and health screening services without having to satisfy a calendar year deductible.

HealthAccess IISM

The HealthAccess IISM Fixed Indemnity Plan is offered without medical underwriting and provides first-dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize online health insurance users’ selected networks and pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of the network.

MedGuard-Critical Illness Coverage Plan

The MedGuard Plan provides lump sum benefit payments to the insured to help offset any out-of-pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future. 

Additionally, even if a covered critical health incident does not occur, 100% of the Plan’sPlan’s benefit amount is paid to the named beneficiary upon the insured’s death. This unique and valuable MedGuard coverage is achieved. It’s done by combining the Plan’sPlan’s 5-year renewable term life benefit payable to the named beneficiary with a stated percentage of the Plan’sPlan’s life benefit paid in a lump sum to the insured for covered critical illnesses, injuries, and surgeries. The life benefit is reduced by the amount of lump sum benefits paid.

Accident Protector – Excess Medical Expense Coverage

Accident Protector is an excess medical expense insurance plan designed to help fill the gap of out-of-pocket expenses people may incur due to accidental bodily injury. The PlanPlan pays up to the selected excess medical expense amount after the applicable deductible is met. 

IncomeProtector – Short-Term Accident Disability Coverage

Short-Term Accident Disability Insurance can help health insurance users pay their bills if they become disabled due to a covered accident. If they become disabled due to a covered accident, IncomeProtector can pay them monthly benefits for up to 12 months.

The IncomeProtector Plan provides disability income benefits for disability resulting from covered accidental bodily injuries. It is neither a traditional major medical nor a Workers Compensation plan under state law.

The IncomeProtector Plan is considered an “excepted benefit plan” under the ACA and is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government. 

Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. 

LifeProtector

The LifeProtector plan is renewable until the insured reaches age 70.

LifeProtector is not available in all states. Benefit amounts and availability may vary by state. Don’t hesitate to contact a licensed agent for more information. Limitations, Waiting Periods, and Exclusions may apply.

The LifeProtector Plan is a 10-year, renewable term life insurance plan with the Plan’sPlan’s stated death benefit paid to the insured’s designated beneficiary. The LifeProtector Plan does not contain any rider for the acceleration of the death benefit payment to the insured while living. 

Life insurance plans are not considered “health insurance” under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018.