The average American now spends more money on medical expenses than on their house or car. We can reduce your medical costs and save you thousands of dollars in premiums. There are three areas, which if done right can result in big savings.
The first is medical repricing . When you get a medical-repricing card, you stop paying full retail for your medical costs. Even if you don’t combine it with medical insurance, a medical-repricing card will reduce your costs significantly. Obtaining these discounts is possible for your whole family for under $35 a month. A medical-repricing card is also included in all of our more comprehensive plans.
The second component is catastrophic major medical coverage. Catastrophic major medical coverage, also known as high-deductible insurance, protects those covered by such a policy from the crushing financial burdens of medical conditions that require hospitalization or other forms of expensive medical treatment. A high-deductible policy doesn’t cover every scratch or sniffle the way a low-deductible policy does, but it also costs much less in premiums. If you are like most people, the money you save on monthly premiums, because you purchased a high-deductible instead of a low-deductible insurance policy, more than makes up for the money you have to pay out-of-pocket for everyday medical expenses that are not covered by the high-deductible policy. Meanwhile you can sleep at night, knowing that if a medical calamity hits, you and your loved ones are protected.
The third component is a scheduled benefits plan, and it has two very valuable roles. First, it can provide significant coverage for the common everyday expenses like doctor visits, prescriptions, and other expenses not covered by the high deductible on your catastrophic major medical policy. Second, there are times where a scheduled benefits plan is your best option as a stand-alone plan because it is low cost, it is available whether or not you have pre-existing conditions, and it covers the typical medical expenses you are most likely to incur.