A fixed benefit medical plan is unique in that you can choose any doctor in the MultiPlan Nationwide PPO, and can also self-refer to a specialist. You do not need to have any dedicated primary care physician. Increases in major medical deductibles have led many people to seek alternative options to help cover their medical costs. Fixed benefit plans have been growing in popularity and may be just what you have been looking for to help offset their healthcare expenditures! Benefits of UnitedHealthOne Health ProtectorGuard fixed benefit hospital and surgical plans include:
1Deductible only available in the following states: AR, AZ, GA, IL, KY, MI, MO, MT, NE, OK, OR, PA, SC, TX, VA, WI, WY. Benefits listed are subject to the per injury or illness deductible, if applicable. *A fixed-benefit hospital and surgical plan may not be right for everyone. Health ProtectorGuard is not major medical insurance; it provides a fixed-indemnity benefit after the deductible, if any, for covered medical expenses, including outpatient surgery, and chemotherapy and radiation services. Carefully designed plan benefits keep plan premiums affordable. It is very important you review the plan information closely. You may still be Don’t wait until it’s too late and you face a medical emergency! Give us a call at (469) 361-4032 to explore your options, or click here to request a free fixed benefit medical plan quote now! * See product brochure; there is a lifetime treatment maximum for chemotherapy and radiation.
MultiPlan PPO Nationwide Network
Clients have the flexibility to choose any doctor or provider in the United States. Additional cost savings are available when your clients choose a provider who is part of the MultiPlan national network, but network providers are not required to receive benefits.Deductible choices to help lower premium
Health ProtectorGuard deductible options range from $0 to $5,000. By choosing a deductible greater than $0 your clients are agreeing to a reduction of benefits paid in exchange for a lower premium.Benefits available immediately, including preventative care, without a deductible
Preventive care is covered based with no waiting period for the selected benefit amount on all 5 Health ProtectorGuard plans and includes: routine physical examinations, including diagnostic tests, Pap smears, mammograms, immunizations, and prostate/ colorectal cancer screening.No coordination of benefits
Health ProtectorGuard plans do not coordinate benefits with other health insurance plans, so there is no waiting for benefits to be paid.Historically, no rate increases
Since inception of the product, there have been no increases in premiums for in-force business.Unlimited benefits for hospital confinements
All Health ProtectorGuard plans cover an unlimited number of hospital confinements.Pre-existing conditions covered after 12 months
Covered benefits for pre-existing conditions are payable after the insured has been covered by the policy for 12 consecutive months.No lifetime benefit maximum.
Overall cash benefits are not capped for as long as the plan is in effect.Guaranteed renewable
Your clients and their families cannot be singled out for a rate increase or cancellation based solely on changes to their health.Renewable until age 65, simple fixed indemnity benefit plans can help cover out-of-pocket expenses left by high deductibles. This product provides limited benefits. This coverage provides benefits in a stated amount regardless of the actual expenses incurred.
1Deductible only available in the following states: AR, AZ, GA, IL, KY, MI, MO, MT, NE, OK, OR, PA, SC, TX, VA, WI, WY. Benefits listed are subject to the per injury or illness deductible, if applicable. *A fixed-benefit hospital and surgical plan may not be right for everyone. Health ProtectorGuard is not major medical insurance; it provides a fixed-indemnity benefit after the deductible, if any, for covered medical expenses, including outpatient surgery, and chemotherapy and radiation services. Carefully designed plan benefits keep plan premiums affordable. It is very important you review the plan information closely. You may still be Don’t wait until it’s too late and you face a medical emergency! Give us a call at (469) 361-4032 to explore your options, or click here to request a free fixed benefit medical plan quote now! * See product brochure; there is a lifetime treatment maximum for chemotherapy and radiation.
