Think coverage gaps are just deductibles, coinsurance and co-pays? While these might be the most notable shortfalls, they aren’t the only ones to keep in mind, especially when it comes to taking care of key talent.
How can you help your clients close health plan gaps and provide a more targeted boost in benefits to keep top talent healthy, happy and loyal? Let’s look at the levels of coverage Ultimate Health®, a supplemental expense reimbursed insurance plan, by ArmadaCare. It not only picks up primary health insurance plan gaps but expands and enhances coverage to eliminate the frustrations and distractions that typically accompany one-size-fits-all core health plans.
Level 1
Initial coverage gaps arise from primary plans that don’t offer sufficient coverage and from cost shifting. Be sure to consider the exclusions and limitations here, especially things like physical therapy visit limits.
Picks up where the primary plan leaves off
Level 2
Executive healthcare utilization is different and primary health plans typically fall short of their needs. Ultimate Health helps bridge that gap by expanding ordinary coverage to what they want and expect.
What primary plans used to cover
Picks up where the primary plan leaves off
Level 3
Executive health is an investment, not an expense. That’s why you need coverage for physical and emotional well-being, including treatments to combat stress and powerful preventive services.
ArmadaCare’s Ultimate Health offers robust coverage and behavioral health resources to address the full spectrum of stress, mental health and well being concerns.
Surprise coverage that exceeds expectations
What primary plans used to cover
Picks up where the primary plan leaves off
Proven to drive retention:
Proven to add value:
Sources: ArmadaCare Enrollment Data and Engagement Survey, 2022
Financial efficiency*
Timing flexibility
Implement coverage at the start of any month (there is no need to wait until the primary plan renews)
Choose who to offer the plan to based on title, tenure, performance and more (as defined by employer)
Learn how you can take your clients’ health insurance coverage to the next level today.
Get in touch with one of our experts. You choose the time that’s best for you, and we’ll do the rest!
*This is not local, state or federal tax advice as each person and each company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.
The Ultimate Health supplemental health insurance policy is underwritten by Sirius America Insurance Company and Transamerica Life Insurance Company. Premiums, insurance plans, coverage and availability may vary by state. Detailed coverage, exclusions and limitations are listed in the Certificate of Insurance. Please contact us to confirm state availability.