What is Private Health Insurance?
Private Health Insurance?
Private health insurance is for people who need to buy health insurance for themselves and family because it is either not available through their employer or they are self-employed and need their own benefits.
With our patented 3 year rate lock we guarantee level premiums for the first 3 years of your policy. After 3 years, you can lock in again for another 3 years, without evidence of insurability (underwriting), and pay the street level price, saving you thousands with your private health insurance and fixed rate protection.
With our private health insurance and fixed rate guarantee, we:
Can’t cancel you.
Can’t increase your rates, with 3 year rate lock.
Your premiums are based on the group/association. Your individual claims experience will never change your price individually. Don’t put limits on coverage.
How is it done? :
With the rising cost of healthcare many people have been searching for alternatives to traditional health-insurance products. In many cases single digits and even double-digit increases were reported year-over-year. Energy costs along with medical inflation are some of many reasons to blame that health insurance costs increase annually adding to the cost of doctors’ visits, prescriptions and testing
In 2006 employees are paying more than $1000 less annually for private health insurance premiums as opposed to prices recently reported. In 2010 average premium annually for family of four was about $11,000 and an employer is responsible for at least 25% of that cost.
With our private health insurance policies and fixed rate guarantee, you can lock in three years’ worth of insurance at today’s price
This program is very innovative, helping to fight the rising cost of healthcare and health insurance premiums.
You may ask, how does this product work?
First, it’s an answer to what most customers have complained most about with their current private health insurance, which is getting rate increases
Secondly it’s designed to be a more affordable product for the longer term need buyer, privately insured
individuals; the self-insured or self-employed market
Like many other private health insurance policies, we use PPO network products that include prescription drug, sickness and accident coverage and testing with no additional differences in waiting periods or coverage’s.
Another question we get often is, how can we do this?
The premise is that if we hold onto a customer a lot longer because of the fixed rate private health insurance, we can maintain the cost because they will balance out more evenly.
This is why traditional private health insurance policies are so expensive, because of their high turnover rate. People change plans for just a few dollars difference, when they should be shopping based on the quality of coverage at the price they can afford.
Why Choose US for Your Private Health Insurance Needs?
Our products are flexible, affordable and secure. With our portfolio of coverage options, you can custom tailor your coverage to your needs. Pay for the things you need and not pay for what you do not.
Secure: you can rest easy knowing that:
We are an innovator in the industry with over 50 Collective years of health insurance experience. Our insurance products are designed to meet the needs of the private health insurance market.
We are a subsidiary of Credit Suisse, one of the world’s largest financial institutions,
which has over 1 trillion dollars in assets under management.
Our private health insurance products are underwritten by Freedom Life Insurance Company of
America (FLICA) and National Foundation Life Insurance Company (NFL).
Our major medical policies are reinsured with Transatlantic, rated A by AM Best, and
has over 11 billion in assets and 3.5 billion in statutory capital and surplus.
We are headquartered in Fort Worth, TX, and our private health insurance companies conduct
business across the nation.
We have served Over 15 Million customers.
We have paid Over 1 Billion dollars in claims.
How we can Help:
We offer major medical private health insurance policies along with fixed rate and guaranteed issued indemnity products. Along with our coverage’s, we also offer benefits that are designed to fill the gaps that traditional private health insurance policies leave you with.
Our products are PPACA Law exempt, which allows you to custom tailor your coverage’s specific to your needs, giving you a more custom approach to your private health insurance coverage.
Why is it done:
If you could lock in gas prices today for the next 3 years, would that sound like a good idea? Of course it would, we all know the gas game, up 40 cents down 25 cents up 50 down 28.
What we want to do is protect you from the unforeseen hardships due to illness or injury. We allow for a peace of mind with our promise financial protection offered by your private health insurance policy.
Our vision is to be the company of choice when it comes to private health insurance committed to going above and beyond in the call of duty with our fixed rate guarantee, cant cancel regardless of usage/ experience on the plan and closing the gaps that traditional private health insurance policies can leave you behind with.
Statically 94% of people never hit a $5k deductible, and if they do, it’s for Stroke, heart attack, cancer and accidents. We will cover those gaps with our Med Guard protection and Accident protector plans built right into your coverage.
We custom tailor your coverage to save you money and only pay for the things you want and not pay
the things you don’t need
We are not subject to healthcare reform mandates- saving you money and allowing you to custom tailor
your coverage for you or your family, but we also cover your deductibles on accidents and major illnesses with MedGuard and Accident Protector.
A note to reader:
Why do we buy insurance? Besides it being for financial responsibility, its to protect our family and assets. Remember, it’s important to know that the coverage you have is not only there when you don’t need it, but most importantly when you do need it. Our company will not change your prices if you become ill!
No one plans to become ill but we definitely don’t want a financial burden brought upon us is we do. Know your coverage is Secure, Flexible and Affordable!
If you knew what we know, you would already be a client, it’s our job to assist in educating you and help you make a buying decision on quality private health insurance for the best price. Give us a call today and see for yourself why we are, and will continue to be, America’s choice for Private Health Insurance.
So if you are as serious about quality private health insurance as we are and interested in finding the best coverage for the best price, look no further, contact your knowledgeable, non-obligating local representative today, you’ll be glad you did.
