Health Insurance - Affordable Health Insurance Quotes through Health Plan Express from Individual Health Insurance Including Health Savings Accounts and Short Term or Temporary Health Insurance to Medicare Supplemental Health Insurance

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  Plan Benefit Summary  
Company/Plan Name
IAC Copay Advantage
Deductible  
In-Network $5,000
per person, per calendar year
Out-Network $10,000
per person, per calendar year
Maximum Family Deductible 3 individual deductibles per family, per calendar year
Coinsurance  
In-Network 80/20% to $10,000 (for medical services & supplies) or 80/20% to $20,000 (for inpatient facilities, confinements & surgical services) These accumulate seperately.
Out-Network 50/50% to $10,000 (for medical services & supplies) or 50/50% to $20,000 (for inpatient facilities, confinements & surgical services) These accumulate seperately.
Maximum Out-Of-Pocket Coinsurance  
In-Network $2,000 for medical services & supplies / $4,000 for inpatient facility confinement & surgical services (accumulate separately)
Out-Network $5,000 for medical services & supplies/$10,000 for inpatient facilities, confinements & surgical services (accumulates seperately).
Maximum Benefit $5,000,000 per person medical benefit while insured, $1,000,000 per calendar year.
Physician Office Visit  
In-Network $35 CoPay
Out-Network Deductible & CoInsurance apply.
Outpatient Lab & X-Ray  
In-Network Deductible & CoInsurance apply.
Out-Network Deductible & CoInsurance apply.
Outpatient Preventive Care
In-Network Optional (not quoted)
Out-Network Not available.
Prescription Drugs Optional (quoted)
Generic $25 CoPay, then100% paid
Brand Name(formulary) $100 CoPay, then 100% paid
Brand Name(Non-formulary) $150 CoPay, then 100% paid
Outpatient Surgery  
In-Network Deductible & CoInsurance apply.
Out-Network Deductible & CoInsurance apply.
Emergency Room
In-Network After $100 CoPay, Deductible & CoInsurance apply. ($100 CoPay waived if admitted as inpatient.)
Out-Network After $100 CoPay, Deductible & CoInsurance apply. ($100 CoPay waived if admitted as inpatient.)
Maternity Prenatal/Post Natal  
In-Network Not covered.
Out-Network Not covered.
Inpatient Benefits  
    Hospitalization  
In-Network After $250 CoPay, Deductible & CoInsurance apply.
Out-Network After $250 CoPay, Deductible & CoInsurance apply.
    Surgical  
In-Network Deductible & CoInsurance apply.
Out-Network Deductible & CoInsurance apply.
    Maternity  
In-Network Not Covered.
Out-Network Not Covered.
Rate Guarantee Initial 12 months
Optional Benefits  
Supplemental Accident $500 or $1000 benefit available (not quoted)
24 Hour Coverage Included at no extra premium.
Other Optional Term Life (quoted) Optional Wellness Benefit (not quoted) Optional Vision Benefit (not quoted) Optional Prescription Drug Benefit (not quoted) Generic $15 CoPay, Brand $100 Deductible then $30 CoPay (formulary) or $45 CoPay (non-formulary)
 

Affordable Health Insurance Quotes through HealthPlan Express - Individual Health Insurance, Health Savings Accounts, Short Term or Temporary Health Insurance, Small Business Health Insurance and Medicare Supplemental Health Insurance    Back to previous page



Affordable Health Insurance Quotes through HealthPlan Express


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IMPORTANT NOTICES AND DISCLAIMERS
 
To be considered for reimbursement, insurers require that expenses must qualify as covered expenses. Expenses are also subject to reasonable and customary limits, unless you use a PPO, as well as determinations of medical necessity.

This Benefit Comparison is intended as preliminary information only. The company provided (product specific) brochure contains important details concerning the benefits, limitations, exclusions and renewability of each plan. Be sure to download the brochure before applying. Refer to the policy as the binding authority for all terms and provisions of coverage. The rates provided are intended to be accurate but may change based on a number of factors including your medical history. The rates and terms of a policy may be changed by the insurance company with proper notification (and subject to any necessary regulatory approval). The rates shown are based on preferred underwriting criteria, if applicable.

Company Brochure & Plan Overview

More details and variations in benefits for your state are in the company specific brochure and/or Plan Overview, which you can access by clicking the download brochure link above. Please do so before you apply. Alternatively, you may request this information be mailed to you.

Association Plans

Membership in the National Consumer's Awareness Association ("NCAA") is required in the states of AR, IN, MI & MO. The monthly association fee of $3 per month is included in the premium quoted. Details on membership and any fees are described in the association brochure.

Premium Disclosure

Premiums quoted do not include the one-time non-refundable Application Fee of $40. Premiums reflected include administrative and provider access fees. Premiums may change during a rate guarantee period if an insured moves to a new residence or occupation, or if provider access or other administrative fees change. Premium changes due to age change will be reflected at the following renewal date. The premium rates herein and their benefit levels are for illustrative purposes only, and are subject to change without notice. Final rates will be the rates in effect as of the policy effective date. All final rates are subject to underwriting approval and acceptance by Insurers Administrative Corporation.


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