Plans
A PPO (Preferred Provider Network) plan will give you more freedom and flexibility since these plans offer both in-network and out-of-network benefits. And, referrals are not necessary for care.
From a very rich PPO with no In-Network deductible and small copays for routine office visits to a very lean plan with a $2,000 In-Network deductible and 20% coinsurance for all benefits, we can help you find a plan that right for you.
An HMO or Health Maintenance Organization allows you to choose a primary care physician (PCP) to guide and coordinate care within a network of providers. Key highlights of these plans are:
- Specific provider network
- Referrals required for specialty care on some plans
- Generally lower overall out-of-pocket costs for care
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Health Savings Accounts (HSA) are paired with a high deductible health plan to allow you to save money for future medical expenses on a tax exempt or tax deferred basis. Key highlights are:
- Eligible to make tax-deductible contributions to an HSA account
- HSA account grows and savings can be carried over to subsequent years
- Nationwide network of providers
- No referrals necessary
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Health Reimbursement Account (HRA) are an, employer-funded accounts that employees can draw upon to pay qualified medical expenses, are usually offered as part of consumer-directed health plans (CDHPs), a fast-growing marketplace solution to rising health care costs.
HRA’s and HSA‘s are terrific new options for the right employer. We will be happy to have an in-depth conversation to determine if these programs are right for you and your company.
Short-term health insurance plans are a great solution when you're between jobs, waiting for group coverage to start, or if you're a recent college graduate.
- Flexible and affordable temporary health insurance for up to six months
- Short, simple and secure online applications
- Immediate protection - your coverage may start within 24 hours
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Please note – Short-term plans do maintain your creditable coverage if you obtain group health or individual health insurance at termination of these plans. However if you choose to renew these plans you will have to serve a new no pre-existing condition clause. Also, if you have been insured through a group health insurance plan, you should contact us to discuss an individual coverage instead of a short-term plan. Under a short-term plan you may lose your HIPAA (Health Insurance Portability and Accountably Act) protections. Call us so that we can fully discuss the best plan of action for you.
Travel Insurance
Whether you're simply planning a vacation in the South of France or preparing for a semester of study abroad, International Medical Group has a policy designed for you. With coverage for Emergency Medical Evacuations or getting a family member to your bedside in a foreign country, these policies cover a multitude of services not normally available with typical health insurance.
To obtain a quote or apply online, simply click on the IMG logo below or contact me by phone or email.
