Alternative Plans

Tired Of Expensive Plans That Don't Cover ANYTHING? Alternative Health Plans Are Available!

Learn all about the different health plan options...

Short Term Medical Plans
Health Sharing Ministries
Limited Medical
Catastrophic Plans
Short Term Medical Plans

Short Term Medical Plans

Short Term Plans are a GREAT choice for people who need coverage for a short period of time, those who missed the open enrollment period or those looking to save money over the cost of traditional major medical.  Most of the time these are PPO plans with large nationwide networks of providers to chose from and you can start coverage as soon as the next day.  These plans will cover people who have minor health issues, men up to 300 lbs & women up to 250 lbs.  These plans usually don't cover preventative & wellness exams.  They also do not cover any pre-existing conditions (anything you've had symptoms of, been treated for, taken medication for or been diagnosed with in the past 24 months prior to the start of the policy).  

United Healthcare Plans & Prices
Pivot Plans
IHC Plans & Prices
Health Sharing Ministries

Health Sharing Ministry Membership Plans

Health Sharing Ministries (HSM) are NOT insurance plans rather, they are considered membership plans.  Members contribute a standard amount of premium each month, those premiums are placed into an escrow account and claims are paid from this account.  HSM Plans DO NOT cover pre-existing conditions for the first 12-24 months (anything you've had symptoms of, been treated for, taken medication for or been diagnosed with in the past 24 months prior to the start of the policy).  Some plans will cover doctor appointments for current conditions.  As with any health plan, it's recommended that you take an active role in your healthcare by having all non-emergency services pre-authorized.  Most plans do have some waiting periods and other restrictions so be sure to review the brochure and member guide.  It's important that you understand the benefits as well as the terms & conditions, limitations & exclusions. 


OneShare Plans/Prices
Ensurian Plans & Prices
Altrua Plans & Prices
Limited Medical

Limited Medical - AKA: Hospital Indemnity

Limited Benefit plans are also known as; Fixed Benefit, Hospital Indemnity, Hospital Reimbursement or Defined Benefit Plans.  Regardless of the name, they usually all work in a similar fashion.  These plans will reimburse the member according to a fixed schedule of benefits.  They are typically MUCH less expensive then most other options but they come with additional risk.  For example; if your plan states they will pay $2,500 per day while you're in the hospital, that is what they will pay regardless of the total bill.  This means if your bill was $3,000 per day, YOU are responsible for the balance.  However, the reverse is also true; if your bill was only $2,000 per day, you get to keep the balance.  They will not cover any pre-existing conditions (anything you've had symptoms of, been treated for, taken medication for or been diagnosed with in the past 12-24 months prior to the start of the policy).  Be sure to review the brochure to see waiting periods, restrictions, limitations and exclusions.     

United Healthcare Plans
Manhattan Life Plans
Catastrophic Plans
United Healthcare Plans & Prices
Cardinal Choice Plans & Prices

Catastrophic Plans - AKA: Hospital Indemnity

Want old fashion coverage for the BIG things only?  Tired of having to pay for expensive coverage because they offer services you NEVER use?  YOU'LL LOVE THIS PLAN!  These plans cover, emergency room, outpatient and inpatient surgery, hospitalization, inpatient labs, x-rays, MRI's, scans, pharmacy and anesthesia!  They will not cover any pre-existing conditions (anything you've had symptoms of, been treated for, taken medication for or been diagnosed with in the past 12-24 months prior to the start of the policy).  Be sure to review the brochure to see waiting periods. restrictions, limitations & exclusions. 

This information pertains to off-exchange (non-Affordable Care Act) catastrophic plans only.