Save Money with Medical Repricing

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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.




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How the Plan Works

The specific program suggested by Jordan Goodman contains well-priced, well-designed versions of all 3 components.  The first component is a high-deductible health insurance plan through Assurant Health.   This high-deductible plan will significantly reduce your monthly premiums while still giving you coverage that will protect you against financial catastrophe in the event of a major health crisis.

Scheduled Benefits from CoreValue Medical is the next component. CoreValue Medical's schedule of benefits plan pays a portion of a broad range of medical expenses, not covered by the high-deductible plan such as  wellness visits, lab work, x-rays, hospital stays, accidents, and critical illnesses.

The final component is called a medical-repricing card.  This is offered by Consumers Direct Association of America, CDAoA.  The repricing card lowers your medical costs significantly when you utilize network providers.


 HIGH DEDUCTIBLE

Assurant Health offers a flexible high-deductible plan that will cover tens of thousands, hundreds of thousands, or even millions of dollars of medical expenses in the event something truly catastrophic happens to you or your family.



 SCHEDULED BENEFITS
The scheduled benefits offered by CoreValue Medical will help you out with those day-to-day health care expenses such as doctor visits, lab work and much more.