SecureAdvantage - Flexible Deductible Disease, Sickness 和 Accident PPO Plans
The SecureAdvantage Specified Disease/Sickness 和 Accident PPO Plans ensure you secure the right level of protection for you 和 your family to prepare for life’s unpredictable moments. These plans use your selected network 和 provide flexible options that allow you to choose the most appropriate deductible 和 coinsurance combination that meets your needs 和 budget for sickness 和 accident coverage. You can also enhance your coverage by adding doctor office visits, x射线, laboratory 和 prescription drug coverage.
You may also be interested in coverage for wellness 和 health screenings. The SecureAdvantage Health & Wellness PPO Plans provide first dollar fixed indemnity benefit payments for wellness 和 health screening services without having to satisfy a calendar year deductible.
The SecureAdvantage Difference
- Flexible Deductible Choices - Choose the most appropriate deductible to meet Your needs 和 Your budget.
- With the SecureAdvantage Specified Disease/Sickness Plan, the SecureAdvantage Accident Plan, 和 the SecureAdvantage Health & Wellness Plans You select a PPO network that is available for Your state.
- Each Plan pays in addition to any coverage You have in force.
- Your initial rate is guaranteed for 12 months at no extra charge!1
- 24-Hour coverage, on or off the job.
- Portable coverage You can take with You even if You move or change jobs.
- The SecureAdvantage Health & Wellness PLUS Plans provide first dollar coverage for Outpatient Doctor's Office Visits. And with the Special Doctor Office Visit “rollover” feature, if You don’t use Your Doctor Office Visit 好处, You don’t lose them!
- 公司reasing Lifetime Maximum for both Specified Disease/Sickness & Accident coverage. Get rewarded for Your good health with Our 公司reasing Lifetime Maximum for Specified Disease/Sickness 和 Accident coverage.
- The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan, 和 SecureAdvantage Health & Wellness Plans are not essential health benefit plans under the Affordable Care Act (“ACA”). Instead, they will supplement an essential health benefit plan.2
1The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of 好处 or options; change of Mode Of Premium Payment; different Participating Provider network; Participating Provider network availability, negotiated discounts, or its relationship to the Company; group policy coverage, 好处, 限制, exclusions or premium change; or future requirements of any federal or state law.
2The 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. Congress eliminated the shared responsibility payment in 2019 和 beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan 和 SecureAdvantage Health & Wellness Plans provide 好处 for covered medical services but are neither traditional major medical plans nor Workers compensation plans under state law. The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan 和 SecureAdvantage Health & Wellness Plans are considered “excepted benefit plans” under the ACA 和 are not “minimum essential coverage” plans under the ACA.
SecureAdvantage is not available in all states. Please contact a licensed agent for more information. Limitations, Waiting Periods 和 Exclusions may apply.