CoreMed offers broad coverage and great value. When protecting your family and yourself is a priority, health insurance isn’t optional – it’s an essential part of your financial plan. Don’t settle for less than the optimum blend of broad coverage and great value.
CoreMed is a cost effective plan that provides protection for both everyday and catastrophic needs. CoreMed offers you many options for controlling your premiums – without giving up benefits.
With CoreMed, you have the freedom to use any doctor or hospital – and when you use PPO network providers, you get advantages like discounts on covered services, no claim forms and fewer out-of-pocket expenses.
CoreMed Includes
- Initial rate guarantees – up to 36 months
- Lifetime Maximum benefits options up to $6 million
- Worldwide coverage, 24 hours a day
- Your choice of doctors and hospitals
- No referrals necessary to see a specialist
- Single deductible for accidents
- No limits on Intensive Care Unit (ICU)
- Ongoing coverage for your children until the marry or are no longer primarily dependent on you for financial support
- Conversion privilege for you family
CoreMed Plan Benefits include:
(subject to deductible and coinsurance, unless otherwise noted)
- Prescription Drugs
- Preventive Services
- Office Visits
- Image and Laboratory Services
- Outpatient Hospital, Surgical Center and Urgent Care Facilities
- Ground and Air Ambulance
- Emergency Room
- Health Care Practitioner Services
- Outpatient Physical Medicine
- Inpatient Hospital
- Transplants
- Complications of Pregnancy
- And more….
CoreMed Optional Benefits
- Office Visit Copays
- Accident Medical Expense Benefit
- Maternity Benefit
Deductible Options
- Individual deductibles: $500, $1000, $1500, $2000, $3500, $5000, and $10,000. 24 or 36 month rate guarantee available with $2000 deductible plan or higher.
- Family deductibles (2x individual): $1000, $2000, $3000, $4000, $7000, $10,000, and $20,000. 24 or 36 month rate guarantee available with $4000 deductible plan or higher.
Supplemental products expand your coverage (optional)…
- Dental Insurance – This fee-for-service plan pays cash benefits that help offset the cost of routine, basic and major dental services. With Health Dental Insurance you:
- Choose a plan – Basic or Plus
- Visit and dentist
- Receive quick cash benefits – sent directly to you, or your provider if you prefer
- Can retain the coverage even if you choose to discontinue your individual coverage
- Life Insurance – The term life insurance product is available to everyone on your individual medical plan – you decide who will be covered. The options are: primary insured only, spouse only, primary insured and spouse only, dependents and primary insured and / or spouse.
Life Insurance face amount options are:
- $50,000, $75,000, $100,000, $150,000 or $200,000 for primary insured or spouse
- $10,000 or $25,000 for dependents ages one year to eighteen years
- $2,000 for dependents ages two months to one year
An accidental death benefit equal to two times the face amount in included. And, an accelerated benefit equal to 50% of the face amount of the policy is paid if a covered person is diagnosed with a terminal illness and has a life expectancy of 12 months or less.
SuiteSolutions – offers two options…..
Today, many people are choosing major medical plans with higher deductibles to keep premiums at a level that fits their budgets. SecureSolution and SelectSolution complement higher deductible plans with benefits that help you pay out-of-pocket, health related expenses. Both plans are brought to you through your membership in Health Advocates Alliance.
SecureSolution– When you choose SecureSolution, you enjoy a variety of benefits, including financial protection against accidents. SecureSolution provides up to $10,000 per accident to offset expenses such as your major medical deductible and coinsurance.
SelectSolution– SelectSolution further expands your peace of mind with an additional Critical Illness Expense benefit of up to $10,000. Identity theft protection of up to $2,500, child safety services and valuable discounts are also included.