We do not feel that HMOs provide the quality
medical care we ourselves would like, so we don’t offer
them to our clients (see HMO vs. PPO).
All of our PPO plans use the Great West nationwide PPO network,
which includes the vast majority of doctors and hospitals
in Maricopa County and is one of the few PPO networks that
is still accepted by Mayo Clinic. You can choose your own
doctor- no referral necessary. Coverage is both in and out
of network. All emergency treatment is covered as if it were
in network. Also, you will not lose coverage if you move out
of state. Express Scripts is our prescription network of choice,
offering a nationwide pharmacy network, and preferred pricing.
Many options include: accident, maternity, and life insurance
benefits, a variety of deductibles, co-insurance percentages,
and stop losses. All of our Major Medical Plans have no limit
on individual instances.
Most of our Major Medical Plans
have $5,000,000 lifetime maximum per person,
with no limit on individual instances.
HSA PPO Major
Medical:
Comprehensive high-deductible major medical protection that
works with your tax deductible health savings account (HSA).
It offers preferred provider organization (PPO) discounts
and meaningful savings on health care expenses and insurance
premiums. Prescription expenses are included in the deductibles,
which range from $1500 to $5000 for individuals and $3000
to $10,000 for families with 100% coverage thereafter. Contributions
to the Health Savings Account are treated much like those
to a regular IRA; the maximum annual contribution is $2900
for individuals and $5800 for families. Funds may be withdrawn
tax-free if used for qualified medical expenses, which include
medical, dental, optical, and prescription drug costs. There
is a $5,000,000 lifetime maximum benefit per person
Medical
Expense PPO Plan:
Tailored protection to fit your basic and catastrophic medical
needs. Deductibles range from $500 to $10,000 per person.
Doctor office visits, life insurance, accident benefits, and
maternity benefits are optional. There is a $3,000,000 lifetime
maximum benefit per person.
PPO
Major Medical:
Quality tailored protection to fit your needs. This plan provides
comprehensive major medical protection for doctor, hospital
and other medical expenses, as well as cost saving on prescriptions
through negotiated discounts with pharmacies, as well as a
mail order program. Co-pays for doctor visits and prescriptions
and wellness are included. Deductibles range from $750 to
$10,000 per person. There is a $5,000,000 lifetime maximum
benefit per person
Short-Term
Major Medical: Temporary health insurance
is designed to provide affordable, immediate, comprehensive
coverage for persons between health plans.
Medicare
Supplement: Protection
designed to help you meet the health care costs that Medicare
doesn't pay. Several plans are available to fit your needs
and budget.
(See Medicare Supplements)
