Product Info

Why Individual Health Insurance?

An individual Basic Medical or Major Medical health insurance plan helps protect you in case of accident or illness. And since it’s an individual plan, it’s yours to keep. It’s not tied to your job… you have coverage on or off the job, 24 hours a day, 7 days a week.

When you choose an individual health insurance plan from us, you’ll get more than solid, reliable health coverage from a financially strong company. You’ll also get the right balance of cost, coverage and convenience.

Learn More About Our Plans

Because all our plans cover catastrophic accidents and illnesses, all you need to decide is how you want to cover the more routine expenses. Learn more about these health insurance plans from World Insurance Company:

    * Basic Medical Insurance Plan – This may be right for you if you’re healthy and less likely to have doctor visits and prescriptions, you want lower rates and you want protection to cover very costly (catastrophic) medical expenses.

    * Major Medical Insurance that qualifies for a Health Savings Account (HSA) – This health plan is specifically designed to work with Health Savings Accounts (HSAs). This health plan gives you the opportunity to obtain lower-cost health insurance, and help control your health care costs. Contributions to an HSA are tax-deductible, subject to the limits established by the Internal Revenue Service.

    * Comprehensive Major Medical Insurance – This plan can help defray hospital, medical or surgical expenses. It’s designed for those more likely to have doctor visits and prescriptions (such as families).

    * Short-Term Major Medical Insurance – This coverage may fit you if you’re temporarily unemployed, if you’re a student who’s graduated and are coming off your parents’ plan, or if you haven’t yet qualified for your new employer’s group insurance coverage

 
Dental - Provides comprehensive dental protection, including preventive care, and services such as fillings, bridges, crowns and oral surgery.Preventive care is covered immediately, with other services covered after a waiting period. Dental Advantage is for individuals and families.

Pharmacy Program - Our pharmacy program provides our individual health insurance policyholders who have prescription drug coverage access to a variety of resources. To determine if you have drug coverage through your plan, please check your schedule of benefits in your insurance contract.  You will benefit through our partnership with Express Scripts, Inc., an organization that contracts with more than 50,000 independent and chain pharmacies throughout the United States.The advantage of using a pharmacy that contracts with Express Scripts, Inc. is that out-of-pocket costs are lower when compared to using a non-contracting pharmacy.Also claims are filed electronically by the pharmacy.

Hybrid is designed to help limit your out-of-pocket expenses for larger medical expenses such as hospital confinements and inpatient and outpatient surgery.
If you’re looking for limited protection against hospital/medical/surgical expenses, rather than major medical coverage, you can save premium dollars and still be protected with Hybrid.
Hybrid covers specific hospital, medical and surgical expenses when you need them most. You can choose between a PPO or traditional plan and two deductible choices.
 
Hybrid
Hybrid Traditional
Hybrid 70
    * Lifetime Maximum per covered person- $3 million
    * Aggregate maximum for any one illness or injury- $100,000 or $250,000     * After the per hospital confinement deductible, the plan pays hospital expense benefit maximums of $750, $1,000 or $1,500 per day of hospital confinement.
    * Pays 70%, of the first $10,000 of covered expenses, then 100% thereafter for inpatient medical and surgical services received at a participating or non-participating provider, after chosen deductible level (not to exceed aggregate maximum benefit per illness or injury or lifetime maximum benefit). It also pays 80%, not to exceed your chosen benefit maximum (after $100 deductible), for outpatient medical expenses received at a participating or non-participating provider.     * After the per hospital confinement deductible, the plan pays PPO hospital expense benefit maximums of $750, $1,000 or $1,500 per day of hospital confinement.
    * Pays 70%, of the first $10,000 of covered expenses, then 100% thereafter for inpatient medical and surgical services and outpatient surgical services received at a participating provider, after chosen deductible level (not to exceed aggregate maximum benefit per illness or injury or lifetime maximum benefit).
    * Pays 80%, not to exceed your chosen benefit maximum (after $100 deductible), for outpatient medical expenses received at a participating provider.
In-Patient and Out-patient Benefits
    * Deductible per hospital confinement (PPO and non-PPO deductibles accumulate serparately)
    * In-PPO: Choice of $200 or $400
    * Out-of-PPO: deductible is two times PPO deductible Maximum benefit per day for inpatient hospital expenses (includes room and board, supplies, drugs, etc,. no limit on days of confinement)- Choice of $750, $1,000 or $1,500
Outpatient Expense Benefits
    * Calendar year deductible
    * In-PPO: $100
    * Out-of-PPO: deductible is two times PPO deductible
    * Physician office visit maximum benefit for covered out-patient expenses- $50 per visit
    * Prescription Drugs- Subject to separate $100 Rx deductible per person, per calendar year.
    * Generic- $15 or 50% of the drug’s cost, whichever is greater. Brand name drugs are not covered.
Optional Benefits Enhancements to suit your needs
You can increase your coverage with these options (available at an additional premium):
    * Cancer Benefit Option
    * This optional rider provides a maximum of $50 per day for in-hospital visits by a physician
    * Up to $200 per day for treatment provided during a hospital confinement or on an outpatient basis for radiation therapy and chemotherapy
    * Up to $2,500 per calendar year for charges made by a hospital or physician for experimental treatment or procedures provided during a hospital confinement or outpatient basis
    * Limited hotel and transportation reimbursements for a family member
    * Up to $75 per day for hotel/motel charges
    * Up to $750 per mile for roundtrip
    * Up to $100 per covered person per calendar year for eligible diagnostic screening tests
    * Up to $4,000 for the eligible charges in relation to surgical benefits (based on the surgical schedule)
    * After a $500 deductible, pays for Radiation Therapy and Chemotherapy treatment and pays

 

Talk to us

Freedom Medical Insurance Group
Direct: (407) 264-7877,
E-Fax: 815-572-8748

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