Multi Level Comprehensive Coverage
First Policy: $0 Deductible for Daily Needs
First-dollar fixed benefits $0 ded. = Simple and Easy for daily needs.
- Hospital Benefit reduces main deductible
- Doctor Visits
- Urgent Care
- Labs & Tests
- Fixed RX Plans
- PPO Benefits
- 56% In-Network Savings
- Strong Nationwide Network
- 1.5 Million Doctors/Health Professionals
- 7,000 Hospitals/Facilities
UnitedHealthcare offers one of the largest networks in the U.S.
United Healthcare Guard 2
Simple, Seamless, and Reliable Coverage
Second Policy: Catastrophic Short Term
Pivot Health 1-3-12 Solution is truly brilliant. It meets the regulations while at the same time uniquely transitions between three separate insurers every 120 days. This provides you freedom of choice, affordable premiums all with no new pre-existing as you transition.
Pivot Health 1-3-12 solution offers you a choice to better protect your family & is affordable. Plus, you can cancel at any time without penalties, giving you the freedom to adapt your insurance to your changing needs.
Third Policy: Living Benefits
Living benefits plans offer policyholders the flexibility to access a portion of their death benefit if they experience a serious illness, such as a critical, chronic, or terminal condition.
Benefit Example
Why Living Benefits?
Purpose of the Living Benefits is to provide adult members that suffer a Critical – Chronic or Terminal illness a significant cash payment which can facilitate the future purchase of guaranteed issue coverage. Often the cost of these plans can be in excess of $20,000 a year in premium. However, expensive this maybe, it is often necessary to provide ongoing coverage for situations like significant cancers.
