National Benefits - Product Updates
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New, Guaranteed Issue Limited Medical Plans
Naitonal Benefits is pleased to announce the newest addition to our guaranteed issue, medical benefit product portfolio for the brokerage distribution system…Health Essential. Featuring three attractive plan designs to meet the needs of your clients, Health Essential is a great solution for the growing number of individuals who cannot qualify for, or afford, traditional health insurance; or employees who do not have employer-sponsored health insurance. Health Essential can also be sold as a gap plan for individuals with high deductible health plans.
Here are some of the key product features of Health Essential:
· Guaranteed Issue.
· No health questions to enroll.
· Anyone age 18 to age 64 can participate.
· 3 plan designs with fully insured benefits to meet the needs of your clients.
· Lifetime maximum to $1,000,000.
· Choice of daily in-hospital room benefits up to $1,000 per day for 31 days.
· Surgery benefits, inpatient and outpatient, plus coverage for anesthesia.
· Doctor office visits and emergency room visits.
· AD&D coverage included plus association member benefits.
· Plans include 3-tier discount drug card and discount vision benefits.
· Easy to sell and purchase online with your personalized quoting tools.
· List billing option for employer groups of 2 or more employees.
· Very affordable… with insurance underwritten by an A- insurance carrier.
· A great solution for millions of Americans without health insurance.
· Top producer commissions…28% 1st year and 8% on renewals.
· No “must be working” requirement.
If you would like to learn more about Health Essential and become appointed to sell it, please contact your MGA, National Benefits and ask for a demo of our easy to use online quoting tool. Health Essential is available in all states except: CT, KS, NJ, VT and WA.
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Seniors Choice - a group medical retiree plan starting at 1 life
Higher life expectancy and the fear of running out of retirement money is contributing to an aging employee population. How are your small group clients going to address the dramatic premium change an aging employee population can cause?
Seniors Choice is the solution for your small group clients to decrease the impact of this premium change.
- Guaranteed Issue
- Unlimited Lifetime Maximum
- Deductible options from $0 to $4,000
- Automatically included in all plans:
Outlook Vision: Pays up to 50% of all frames and lenses.
Best Doctors: Leading experts actively consult on the case and interact
with the treating doctor to improve the quality or care for seriously ill patients.
- Optional Benefits including:
Foreign Travel, Additional Skilled Nursing, Prescription Drug Plans,
Private Duty Nursing, At Home Recovery, Comprehensive Wellness Program
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These versatile health insurance plans can be sold individually or to groups.
Stand alone or combined with a high deductible plan.
This is just what you need to fill benefit gaps, and they are HSA compliant!
Value Med Plan*
not available in: CT,NJ, NY, OR or WA.
- $75 Doctor Office (ten visits per year per insured)
- $200 Daily In Hospital (after 3 days)
- $1,000 per year Lab, Medical Supplies, X-ray ($250 per visit)
- $200 Ambulance
- Easy underwriting - no rate ups
- Fully Insured by A.M. Best B+ Carrier
Look at these affordable monthly unisex rates!
Ages: 18 to 49 = $31; Ages 50 to 59 = $49; Ages 60 to 64 = $70
Value Health Plan (Platinum Plan)
not available in: CT, KS, MN, NC, NJ, NY, RI or WA
- $1,000 Daily In Hospital (up to 365 days per confinement)
- $4,000 Daily ICU/CCU (up to 30 days per confinement)
- $20,000 Surgery (per procedure)
- $4,000 Anesthesia (per procedure)
- Easy underwriting - no rate ups
- GI available - ask for details
- Fully Insured by A.M. Best A+ Carrier
Look at these affordable monthly unisex rates!
Ages 19 to 39 = $80; Ages 40 to 49 = $100; Ages 50 to 59 = $150; Ages 60 to 64 = $180; and each dependent child = $40
24 Hour Accident Coverage (Basic -Plus Plan)
not available in: AK, NY,OR or SD.
- $5,000 Medical Expenses per accident ($100 deductible)
- $4,000 Air Ambulance
- $5,000 AD&D
- Automatic Acceptance, Affordable monthly cost of: $34.95 single or $39.95 family
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Phone: 720-488-9892 or 800-530-8646
Fax: 720-488-9893
Mailing Address:
P.O. Box 370528
Denver, CO 80237-0528
Your General Agent for:
Individual Major Medical / Short-term Medical / Travel Insurance / Dental / Vision
Long-term Care / Disability / Term Life / Substandard Life / Group Benefits
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