Major Medical
While we strongly believe that Health Savings Accounts are the product of the future in the individual health market, some people simply must have a co-pay plan. Sturgeon Insurance is pleased and proud to offer a wide array of co-pay driven plans from World Insurance (formerly Mutual of Omaha), and Assurant (formerly Fortis). Below you will find brief highlights of the plans.
Assurant (formally known as Fortis) Plans: All the Fortis plans are fully comprehensive. There are no significant internal limits on any of these plans.
One Deductible Plan
The One Deductible Plan from Assurant is one of the very first qualified high deductible plans available in the individual health market, and it is still an industry leader. The One Deductible Plan is very comprehensive providing RX coverage, mental health coverage, chiropractic, and NO LIMIT ON AMBULANCE! The One Deductible Plan has a wide array of deductible and coinsurance options. Add Secure or Select Solutions integrated ancillary benefits to help your clients achieve peace of mind with a full coverage package. Use HSATools from Assurant as your qualified depository and get debit cards, a checkbook, account and claims history internet access with NO FEES if you auto draft $50 a month into your account.
$3 or $8 million lifetime coverage per person.
100% co-insurance.
All covered expenses go toward family deductible.
$500 immediate wellness per person goes toward family deductible.
Rx covered once family deductible is met.
With HSA, realize tax savings, put your money away for retirement!
SaveRight HSA
This High Deductible plan is designed with low premiums in mind. Perfect for your clients who want the tax and retirement benefits of a funded Health Saving Account while maintaining a budget, The RightStart HSA Plan has a non-traditional plan design:
The lifetime Maximum is $2,000,000 per person.
This Qualified High Deductible Health Plan has imbedded individual deductibles.
Deductible options for individuals are $2000, $3000, or $5100 for individuals.
The family deductible is two times the individual deductible and is met collectively by two or more individuals.
Coinsurance options vary with deductible amounts.
There is no annual maximum, but the plan has an annual outpatient maximum of either $15,000 or $25,000 per person per year.
Prescriptions are covered as any other medical expense limited to $2000 per person per year with the option to buy up to the lifetime policy maximum.
Organ transplants are covered to the lifetime policy maximum.
RX card options: $500 or $250 per person per year. Then $10/25.
No limit on ground or air ambulance.
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WORLD INSURANCE (Formerly Mutual of Omaha)
Meeting your needs |
World’s health products* include:
WorldCare Flex Advantage Major Medical
- Comprehensive quality health insurance for individuals and families.
HDHP/HD Advantage
- High-Deductible Health Insurance Plans for use with Health Savings Accounts.
WorldCare Flex Advantage Limited
- Comprehensive plan that provides protection against hospital and surgical expenses.
WorldCare Value Advantage
- Affordable, quality health insurance for individuals and families.
Choice Major Medical (*North Dakota Only)
- Affordable, quality health insurance for individuals and families.
Choice Value Major Medical (*North Dakota Only)
- Affordable, quality health insurance for individuals and families.
Short Term Major Medical
- Temporary health insurance for individuals and families.
Individual Dental
- For individuals and families under age 65 and age 65 and over.
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| * Not all products are available in all states. |
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For Additional Product Information:
Contact Rodney Sturgeon--
1-866-3973, ext 3002
303-847-3172
303-996-6236 (Fax)
LIFE INSURANCE
West Coast Life
Rated A+ by AM Best.
Some of the best Term rates for non-tobacco cases.
Has Waiver of Premium rider available.
Uses Actual age not Nearest-Very big Advantage.
Does 10, 15, 20, 25 and 30 yr Term.
Table rates at 15% per Table.
Can get up to additional $1 Mill. within 2 yrs of original app w/no paramed or medical records. |