Limited Accident & Sickness Plans (otherwise known as limited medical insurance, basic health insurance or limited benefits insurance) are an affordable alternative to major medical insurance, designed to help employees fund the costs of their own health care. Limited medical insurance provides fixed benefits for basic health care expenses. Group plans start as low as $45/month*. Employer group size minimum as low as 2 in many states. Contact us for more information.

Limited medical insurance plans often allow employees to afford doctors' visits when symptoms first occur to prevent serious conditions from developing.

FACT: 50% of the U.S. population spends less than $664 per person for medical expenses each year. This accounts for just 3% of overall U.S. medical spending. Conversely, just 5% of the population accounts for 49% of overall U.S. medical spending with annual medical expenses of $11,487 or more per person.

Source: “The High Concentration of U.S. Health Care Expenditures” 2006, Mark W. Stanton, M.A. and Margaret Rutherford, Agency for Healthcare Research and Quality Publication No. 06-0060.

Based on these statistics, for many employees and their families, Limited Accident & Sickness Plans will be adequate coverage for most of their medical care needs. Plans include fixed benefits for doctor office visits, diagnostic tests, emergency room care (for sickness), hospitalization and surgery. The plans also include an accident benefit with amounts available up to $5,000 per accident.

• Plans starting as low as $45* per month
• Provides First Dollar Coverage for Basic Medical Expenses
• No Health Questions or Physical Exams Required to Qualify
• Only One Pre-Existing Conditions Limitation - Pregnancy Beginning Before Coverage Is Effective
• No Deductibles or Co-Insurance to Pay (Exception - $100 deductible applies for accident benefit)
• Easy and Convenient Payroll Deduction
• Other features: Discounts on Dental care, Pharmacy and Vision care; plus a 24-hour Nurse Hotline