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ALTERNATIVE HEALTH

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

short term medical

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).  Most plans do have some waiting periods and other restrictions so be sure to review the brochure.    

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health sharing ministries

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.  

limited benefit plan

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.     

catastrophic plans

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!

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wellness plans

These Wellness Plans offer coverage for the same wellness benefits as the Affordable Care Act (with some limitations).  They would pair well with a Catastrophic or Short Term Plan for more balanced and well-rounded coverage.  

HOURS OF OPERATION - MON-FRI: 9:00 - 6:00 - SAT: 9:00 - 1:00 - SUN: BY APPOINTMENT

The views and opinions expressed on this website are those of the agent and do not necessarily reflect the official policy or position of any agency, carrier, US Government or any other entity or person(s).  It's always a good idea to conduct your own research before forming an opinion and before making a purchase. 
 
This website is operated by SafetyNet Insurance Group and is not the Health Insurance Marketplace℠ website.  In offering this website, SafetyNet Insurance Group is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans(QHPs) being offered in your state through the Health Insurance Marketplace℠ website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace℠ website at HealthCare.gov.  Also, you should visit the Health Insurance Marketplace℠ website at HealthCare.gov if:
1.) You want to select a catastrophic health plan.
2.) You want to enroll members of your household in separate QHPs.​
3.) The plans offered here don’t offer pediatric dental coverage and you want to choose a QHP that covers pediatric dental services or a separate dental plan with pediatric coverage. Pediatric dental services are an essential health benefit.

SafetyNet Insurance Group offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
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