YOUR COMPANY WANTS TO OFFER YOU BENEFITS  

Here is your chance to obtain a richer benefit plan which cannot be purchased individually.

Our fundamental design gives you 100% first dollar benefits on your most used medical expenses, followed by possible corridor expenses, followed by a catastrophic individual health plan. Issue and rates for the individual plan vary from state to state.

You have the choice to purchase just the limited medical plan which was designed to cover the most commonly used medical treatments or our complete program. The plan features include no medical underwriting for acceptance (guaranteed issue) and no pre-existing condition limitations day one providing you enroll when first eligible or during open enrollment. Rates will be broken down on the accompanying pages. These plans were designed to work with healthcare reform in 2014 and are fully compliant under current federal guidelines.

We recommend you consider a catastrophic major medical plan however, availability and rates may make our supplemental program your best choice at this time. To enroll is any of the health and limited medical options go to the enroll tab. You can always add an individual major medical plan later, but you must enroll during open enrollment to avoid medical questions.  

Currently state laws for issuing individual health plans varies and most insurance carriers require medical evidence for consideration. We have highlighted how this program can work in New Jersey because it is one of the few states that offer rates without medical considerations. Supplemental Plan 1 in combination with a lower cost, age-based individual NJ Horizon EPO (Exclusive Provider Organization) plan, fills the voids, gives you 100% coverage for most treatments, and lower costs verses any other individual plan on the market.