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PDC's partnering, licensed, medical insurance agents and
underwriters, who represent top-rated health insurance companies, can offer
the following to qualified groups:
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Limited Medical Insurance
Limited benefit plans are not comprehensive major
medical insurance. They are designed to help people
take care of everyday medical expenses like doctor visits, diagnostic tests
and emergency room visits. Most plans also have a fixed per
day payment for hospitalization (typically $200 to $500 per day). These
plans include wellness and illness benefits (typically $50 to $65 per visit). Finding a health problem and
getting treatment early can often eliminate the need for more costly
treatment later when a condition becomes serious – and expensive. Adding
the separate, PDC medical discount programs to limited
medical insurance can reduce the medical bill, so that the fixed
benefit payment goes farther.
·
High Deductible Health Plans
High Deductible Health Plans (HDHP) are comprehensive major medical
insurance, but as the name implies, there is a high deductible in the range
of $5,000 before any benefits are paid. This type of plan provides
catastrophic protection in the case of a major accident or illness. Because the HDHP
does not pay for routine medical expenses before the deductible limit is met, the high deductible policy may cost 20% to 40% less
than traditional major medical policies. Adding the separate,
PDC medical discount programs to a high deductible health plan can reduce
out of pocket expenses.
·
Health Savings Accounts
Health Savings Accounts (HSA)
work well with a “qualifying" high deductible health plans as
the HDHP above. The HSA is a special tax-deferred savings account
dedicated to health care expenses. This companion health savings account is
used to pay, on a pre-tax basis, regular medical expenses which do not
exceed the deductible. Adding the separate, PDC medical discount programs to
the HSA can reduce the amount that a members must withdraw from their HSA
to pay the out of pocket expenses occurring before the high deductible
deductible limit is met.
These optional and separate insurance
plans complement PDC's basic Medical Discount Card, Lab Work
Discount Program, and Patient Advocacy. For more insurance
information, call the number below to have an licensed health insurance
agent provide benefit details and pricing.
For insurance information,
contact TIER Services and Consulting at
813-265-6955
or click on "Contact
Us" below.
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