Health (Hospital-Surgical) Defined Benefit Indemnity Plans

These plans are alternatives for those who are concerned about the cost of ACA plans, desire a lower-cost insured plan, are not eligible for large tax subsidies (also known as advance premium tax credits), want to know how much their healthcare services will cost them before obtaining services, and do not want a short-term health insurance plan.

What Are The Benefits Of Health Indemnity Plans?

In today's market where health insurance is often unavailable or not affordable, a Health (Hospital-Surgical) Defined Benefit Indemnity plan can help families budget and pay for health care expenditures. By providing a choice between different levels of hospital, medical and outpatient coverage, individuals and families can choose a plan according to their health care needs.

{Note: these are not major medical plans and are referred to as Limited Benefit plans. They do not comply with the Affordable Care Act (for example they do not include all the minimum essential benefits) and were subject to tax penalties until those penalties were eliminated January 1, 2019.}

Allstate Health Solutions provides the Access program which offers a choice of three alternative underwritten plans—Value, Fundamentals, and Enhanced—as well as a Guaranteed Issue plan which does not require medical underwriting. Pre-existing conditions are not covered under any of the four alternative plans for 12 months. This plan gives you an affordable and predictable way to get the health care you need now for things such as checkups, prescriptions, lab tests, and more. There are no deductibles or copays to satisfy. This plan pays set dollar amounts when you receive covered services. Any costs that exceed the benefit amount are the customer’s responsibility.

A unique feature of this program is that select benefits will increase with each consecutive year for up to three years. You can apply at any time during the year and the plan is auto-renewable, so you don’t have to re-enroll.

All four plans in this program use the same network through First Health (this network is owned by Aetna) and you can locate providers here.

CONTACT US AT 786-970-0740 (Cell) FOR ANSWERS TO YOUR QUESTIONS AND TO ENROLL
IN ONE OF THE PLANS OFFERED IN THE ACCESS PROGRAM.