THE INDUSTRY ASSOCIATIONS

GROUP MEDICAL

COVERAGE REVIEW

 

The Association’s recommended Group Health Plan for members is an all-inclusive fully insured Deductible health insurance plan created by The Combined Industry Purchasing Group Association of America, and F. Darrell Lindsey, the State Licensed Agent/Producer, for qualified members.  Insurance is provided to insured’s as a participant in a Master Group Policy issued for members of related Industry Associations throughout the United States.   All solicitation, quoting, binding of Insurance and policy services, is the direct responsibility of F. Darrell Lindsey, the State Licensed Agent/Producer.  The Combined Industry Association provides referral services only.

 

AFFORDABLE COVERAGE

 

Small Employer Medical Plans

 

Major Medical Plan Types

 

Network Plan – includes physician and hospital networks which have agreed to a lower, pre-negotiated fees but does not include an office visit co-pay.   They are generally more economical than Network Co-pay Plans.

 

Network Co-pay Plan – choose this plan to take advantage of a wide variety of physician and hospital networks which have agreed to a lower, pre-negotiated fee.   Employees and dependents pay only the selected co-pay amount for each covered visit to a physician’s office, urgent care center or non-surgical outpatient facility.

 

Hospital-Only Network Plan – includes hospital networks which have agreed to a lower, pre-negotiated fee.  This is a good choice where there is no local physician network or if the local physician network does not meet your employees’ needs.

 

Indemnity Plan – offers your employees complete freedom to choose doctors and hospitals.  This plan is best suited for those who live and work outside a PPO network area.

 

Plan Features*

 

 ● Lifetime Maximum Choices – up to $8 million

 ● Annual Deductible Choices – choose from $250 up to $10,000

 ● Office Visit Co-pay Choices – offers a wide variety of co-pay options

 ● Co-insurance Choices – select the amount employees pay after their deductible is met

 ● Prescription Drug Coverage – choose drug deductibles from $0 to $500.  Select from a wide variety of drug co-pay choices.

 

F. Darrell Lindsey

U.S. State Licensed Agent/Broker