Member Since:
10/22/2014
I am a health insurance agent for U.S. Health Advisors, headquartered in the DFW area. We sell our plans nationwide. We are definitely unique as a Health Insurance company, and our policies were developed to compete against the Affordable Care Act, and the Exchanges, and to fit any budget.
Why pay for benefits you do not need today, may not be able to afford at this time, may never need, or for other peoples pre-existing conditions, or older ages? And why have to go through Open Enrollment every year, year after year?
A subsidiary of Credit Suisse, the 2nd largest financial institution in the world to offer comprehensive and affordable medical health benefits to the U.S. public. In the face of the current direction of health insurance in the U.S., under the control of the Affordable Care Act and Federal Mandates, we offer Affordable, Full, and Comprehensive Health Benefits that is revolutionary. It is the similar to full major medical insurance required by the ACA, but structured so that we offer customized insurance to individuals based on their age, sex, health conditions, and personal budgets. You actually have to qualify for our health insurance through underwriting.
Think:
* Hospitalization, Doctor's Office visits, and accident.
* Guaranteed 3 Year Fixed Premium Rate Lock for Standard Plans.
* Guaranteed 15 month Fixed Premium Rate Locks for healthy people, with a 10% benefits increase,
compounded yearly for 5 years.
* No deductible, co-insurance, or co-pays for 'any service' on some of our Plans..
* 6 free (max of $100.00) doctor's office visits per member, with roll overs to the next year, if unused.
* Up to $800.00 per day for up to 30 days paid directly to you, if you, or anyone on the plan, are confined in the
hospital for more than 1 night.
* Double Tier Enhanced Protection Upgrade, from Plan 1 to Plan 3 Hospital Room & Board, and miscellaneous
daily expense benefits- only if needed.
* Accident benefits that cover you 24/7, on or off the job.
* Blanket Excess Medical Expense Coverage of up to $10,000.00, paid directly to you, for a covered accident,
after a $500.00 deductible per accident, per Member.
* Prescription coverage.
* CallMD: That is a service we provide where if you are sick anytime - late at night/early morning or on
vacation - you can call CallMD. You will talk with a board certified physician who will prescribe medication for
you. Another benefit of this, is that it allows you to save a doctor's office visit.
* 100% catastrophic coverage with our Premier Med Short-Term Medical-Surgical Expense Plan (part of your
policy).