21st Century Health Insurance Solution

100% coverage on most common expenses followed by catastrophic protection on any major injury or sickness.

Our plan design will lower anyone's overall out of pocket costs, improve cash flow and reduce health insurance premium increases for years to come.

Standalone Plans Include:

  • 100% Hospital Cash Indemnity Coverage 

  • Assignment of Benefits to Providers

  • Unlimited number of prescriptions

  • 100% Coverage for most Doctors Visits

  • 100% for Minor Surgeries

  • 100% of Routine Maternity Costs

  • Network Discounts from 560,000 Practitioners

  • Same Benefits Regardless of Network Use

  •  Outpatient Diagnostic, X-Ray & Lab

  • Vision Discount Plan including Lasik

  •  Smart Savings offers Name brand discount using Ticketmaster, Budget, AMC Theaters, Dell, HP, Apple, PetSmart, Barnes & Noble and lots more.

 Extras Options:

  • Catastrophic Health plans based on state

  • Dental Plans that cover Pre-existing Needs

  • Accident Insurance for Children & Adults

  • Critical illness even for voluntary Angioplasty

This site was designed to illustrate the fundamental and strategic benefits of how health coverage will be offered in the future. Our format lowers overall costs both on premiums and medical expenses when accessing care. Instead of no coverage until a high, after-tax deductible or co-pay is paid, employee's most common expenses will be paid in full using a supplemental indemnity plan, followed by a possible corridor expense and then full coverage using a catastrophic unlimited medical plan. 86% of employees use only 20% of health care expenses and most go uninsured based on cost. Healthcare reform states all plans will have $6,000 per person and $12,000 per family of out-of-pocket costs each year. Governmental subsides will bail out some low-income employees but even at 100% of the poverty rate you will be expected to shell out $2,000. How will you afford to pay the high premiums and fund the after-tax deductible and co-pays?  

This site is for all part-time, seasonal employees or independent contractors not offered employer sponsored health benefits through their company. Employers offering a high deductible group health plan should go to www.21stCenturyInsuranceWrap.com to fill the gaps on a voluntary basis.

Both these options offer payroll tax savings to the company, so every company should offer one or both of these options to help their loyal employees and reduce everyone's costs. Learn more by registering for the details. After registering, you will see the benefits offered to your qualified employees.

An employer must agree to endorse this program and allow us to communicate with employees before enrollment can take place. An employer does not have to pay any costs but we recommend pre-tax deductions to reduce taxes for employees and the company. As an alternative, we can direct bill all participants through automatic check withdrawal. Each employee will receive both written and online access to the plan offered. Please call if you have any questions after reviewing the site. As a gift for employees considering our program we will offer a vision discount plan where you can buy glasses for as low as $25 and access to the Smart Saving Marketplace.

CLICK HERE TO SEE OUTLINE OF OPTIONS & BENEFITS

Please complete the following for access to all the value added programs.

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