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The benefit level vary by product and plan. Ultimate Health, for example, has annual family maximums of $50,000 or $100,000.

What’s covered varies by plan. For example, ArmadaCare’s Ultimate Health product offers coverage for a broad range of 213(d) eligible expenses, such as primary plan deductibles, coinsurance and co-pays as well as other medical out-of-pocket expenses, prescriptions, mental health, wellness treatments (such as acupuncture and prescribed massage therapy), preventive services (such as Executive Physicals), durable medical equipment, dental and vision.

ArmadaCare’s plans are group insurance plans, not individual plans, meaning coverage can only be purchased by an employer. As the employer, you decide whom to enroll. Keep in mind that enrollment minimums must be met (just three employees for Ultimate Health), and coverage must align with the primary health plan. For example, employees with family coverage under their primary plan must enroll at the family level in ArmadaCare.​

Our supplemental health plan can be written for companies based in 47 states and DC. The state refers to location of master application, not participant residence, worksite or corporate situs. The only states where we currently don’t have solutions available include NH, NJ and VT. See our state availability chart here.

ArmadaCare’s plans can be written on top of various types of primary medical plans as long as there is hospital, medical and prescription coverage. This includes, but is not limited to fully insured plans, self-funded plans, PEO plans, Qualified High-Deductible Health Plans (QHDHP) and TRICARE. Plus, there are options for employees waiving the policyholder’s primary medical plan and for employees enrolled in Medicare so you should definitely ask us about those. Primary dental and vision plans are not required.

We just need a few key details related to the company, census and underlying coverage (medical as well as dental and vision, if applicable). You can click on “Getting Started” or contact us for the underwriting guidelines. Our typical turnaround time for pricing proposals is 5 to 7 business days.

ArmadaCare’s premiums vary depending on the plan level chosen, the characteristics of your primary health plan and the demographics of those you enroll. We take into account who is being covered, along with the amount of expenses you are likely to incur with a specific primary health plan. For instance, a primary health plan with a large deductible will have a higher ArmadaCare premium than a primary health plan with a lower deductible since we will be reimbursing more for the former.