More and more Americans are going without having health insurance because they can’t afford them. But there is a solution. New health coverage portfolios are available that are specifically created to help meet the national need for affordable coverage for individuals as well as employees of small businesses.
This can be good news for many Americans who often cannot afford to purchase health coverage for themselves or whose businesses do not offer insurance. Including individuals who are self-employed; those who are employed by your own business or who run a small business; and people in other circumstances which need them to buy their own health insurance coverage.
“More than 45 million People in the usa fall into one of these categories. Many of these people are uninsured or are struggling to afford the traditional strategies that insurance companies typically supply,” says Melissa Crawford, senior vice president, Physicians Mutual.
The organization bundles together existing as well as new products to provide an Integrated Health Portfolio (IHP) with a variety of selections and price points.
The IHP supplies a choice of benefits, including insurance policy coverage for:
• Doctor’s office visits
• Maintenance
• Hospital stays
• Surgeries
• Catastrophic major medical
• Outpatient cure.
“This portfolio of products is designed for middle-income People in america for whom the only choice has become major medical plans with good deductibles-$5,000, for example. That’s excessive for them to absorb out of pocket,Inches Crawford says. “They’re looking for a plan of which pays a portion of everyday healthcare costs such as doctor’s goes to, childhood immunizations, and screenings including mammogram and prostate cancer tests. Additionally they need prescription drug along with vision discounts.
“We have solutions with no deductible to meet, so policy owners receive added benefits the first time they have a covered healthcare expense,” Crawford says. “There may also be no lifetime maximums on this sort of policy.”
Crawford points out that people and small-business owners usually do not have got benefits managers who can speak them through their insurance cover options. The health portfolio supplies a needs assessment to help consumers determine which insurance products are right for them.
Physicians Mutual Insurance Company along with Physicians Life Insurance Company, a member of the Physicians Mutual spouse and children, provide a full portfolio regarding health and life insurance products, together with financial products. Both companies continually receive high grades from independent insurance analysts.
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