Vital Coverage for You and Your Family

Choose from multiple comprehensive coverage options to build a plan that’s right for your specific needs and budget. Some of the benefits available* include:

• Up to $8,000,000 lifetime maximum benefit per insured (depending on state)
• Wide variety of plans and features including: Preferred Provider Organization (PPO) Plans, Health Savings Account (HSA) Qualified Plans, and more
• Access to nationally recognized underwriters such as Blue Cross Blue Shield, United Healthcare, and more
• Office visit copay options
• Prescription drug option with prescription drug deductible options
• Maternity coverage
• On-going coverage for children regardless of age (until they marry or are no longer dependent for financial support)
• Healthy discount of 10% for good health at renewal time
• 12-month initial rate guarantee
• 24-hour service Nurse Healthline, Inc. provides information for home self-care
• Dental coverage available with some plans
• Wellness benefits available
• Direct Billing options available

*Features dependent on plan selected.

Get a Major Medical Health Insurance Estimate!

When a traditional major medical plan doesn't fit all your needs, you should consider applying for a limited medical plan. These innovative policies are especially useful for:

• Pre-Existing Conditions– If you are uninsured or having a hard time securing coverage due to an existing medical condition, these plans offer "Guaranteed Acceptance*," meaning they do not require a medical questionnaire or exam to qualify.
• Saving Money– If you have a major medical plan, you can choose to raise your deductible (out-of-pocket), which will lower your premiums. You can then add a Core Limited Medical Plan to supplement for your everyday healthcare needs. For example, the "Physician Only Plan" covers office and wellness visits, x-ray/lab, and accident benefits at an affordable price.
• Affordable Rates– If you have done your research and you simply cannot afford major medical, then a limited medical plan may be a last option. They're designed to offer benefits at a value.

* Based on eligibility (age, state availability).

Some of the benefits available with a limited plan include:

• Next day coverage
• No deductible, coinsurance, or copays
• Your choice in doctors
• Claims submitted directly to the insurance company

Apply Now!

What is the difference between major medical and limited medical insurance?

Ideally everyone would have "major medical" insurance, but many people simply do not qualify due to pre-existing conditions or cannot afford the high costs of coverage. Each plan type offers its own advantages:

• Major Medicalprovides catastrophic coverage and high limits of coverage (typically $1 million or more). Because major medical has been increasingly more expensive, insurance companies have increased the out-of-pocket costs to help make the everyday cost of healthcare more reliable for consumers.
• Limited Medicalprovides the guarantee of affordable insurance, but limits its coverage to everyday illnesses and accidents. In addition, the maximum benefits paid in each medical situation are capped (limited) at lower coverage amounts.