Taking Healthcare Coverage to the Next Level
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?
Introducing our new open plan designs for Ultimate Health® by ArmadaCare. The robust coverage clients’ love now with more flexibility than ever before, including additional support for mental health and well-being. 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
Combating Traditional Health Plan Gaps
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.
HEALTH PLAN GAPS
Picks up where the primary plan leaves off
- Deductibles
- Co-Pays
- Coinsurance
- Exclusions
- Limitations
- Visit Limits (Physical Therapy)
Primary Health Insurance Plan
Level 2
Offering Expanded Coverage
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.
EXPANDED COVERAGE
What primary plans used to cover
- Brand Name Frames
- Extra PT Visits
- Private Hospital Rooms
- Brand Name Rx
- Major Dental
- OON Mental Health
HEALTH PLAN GAPS
Picks up where the primary plan leaves off
- Deductibles
- Co-Pays
- Coinsurance
- Exclusions
- Limitations
- Visit Limits (Physical Therapy)
Primary Health Insurance Plan
Level 3
Going a Level Beyond with Surprise Coverage
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.
A LEVEL BEYOND
Surprise coverage that exceeds expectations
- Acupuncture
- Executive Physicals
- Treatment Abroad
- Adult Orthodontia
- Prescription Sunglasses
- LASIK
- Prescribed Massage Therapy
EXPANDED COVERAGE
What primary plans used to cover
- Brand Name Frames
- Extra PT Visits
- Private Hospital Rooms
- Brand Name Rx
- Major Dental
- OON Mental Health
HEALTH PLAN GAPS
Picks up where the primary plan leaves off
- Deductibles
- Co-Pays
- Coinsurance
- Exclusions
- Limitations
- Visit Limits (Physical Therapy)
Primary Health Insurance Plan
Feel the Benefits Across All Coverage Levels
With Ultimate Health®, there is robust coverage for a broad range of healthcare expenses, including the routine, the expected and even the unexpected. Now with our new open plan designs, there is more flexibility than ever before so executives and key leaders can use the plans for what they individually need to be healthy and happy.
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)
Employee eligibility
Choose who to offer the plan to based on title, tenure, performance and more (as defined by employer)
Valuable Support Services & More
NEW: Connect & Thrive
Personalized and confidential mental health and well-being support services to help care for needs across the spectrum of concerns. It offers built-in care navigation to coaching or counseling services, providing expert resources for better mental health and well-being.
TopDoc Connect
This service matches members to the specialist with the exact expertise for their medical condition and preferences (such as insurance network, location, language and more). TopDoc Connect helps members achieve better health outcomes, lower cost of care and maximize focus and productivity. Not including behavioral health or addiction.
Get Me Home
These emergency travel and medical services are available 100+ miles from home 24/7/365. Get Me Home includes fully paid medical air evacuation to a hospital of choice (once stabilized) as well as a number of other services to help mitigate health and travel risks.
Executive Physical (EP) Program
Ultimate Health includes a contemporary, 360° approach for elective EPs. With Ultimate Health, there’s coverage toward these non-mandated, pre-packaged exams and so much more:
- Pre-exam navigation services
- Post-exam guidance to specialty care
- Support so executives prioritize their health and well-being
Long-Term Benefits
*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. 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.