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

Health Sharing Ministry Plans (HSM)

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 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.  

  • The most comprehensive of the healthcare sharing ministry plans.
  • Exempt from the tax penalty
  • Primary Care, Urgent Care, Immunizations, Preventative Care, Labs, X-Rays & RX Discounts all Included Before Deductible
  • Inpatient & Outpatient Benefits
  • Hospitalizations & Surgery Included

BEST

VALUE

  • Less comprehensive but more affordable plans

  • Exempt from the tax penalty

  • Primary Care, Specialist Visits, Urgent Care & RX Discounts all Included Before Deductible

  • Inpatient & Outpatient Benefits

  • Hospitalizations & Surgery Included

BEST

PRICE

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.  They will not cover any pre-existing conditions (anything you've 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 and member guide.  It's important that you understand the benefits as well as the terms & conditions, limitations & exclusions.  

Here are some of the features available with Short Term Plans.... 

  • $50 Doctor Visit Co-pay's 

  • $50 Urgent Care Co-pay's

  • $250,000 - $1,000,000 Lifetime Coverage Limits

  • $500 - $10,000 Deductibles

  • 50%/50%, 70%/30%, 80%/20% Co-insurance choices

  • Some Wellness Exams Covered

  • Large Nationwide PPO Networks

  • 30 - 365 Days of Coverage Available

  • About Half The Price of the Affordable Care Act Plans

  • Coverage is available for complications of pregnancy

  • RX copays or discounts are available

  • Accident and Critical lllness coverage can be added

  • Dental and Vision can be added

Hospital Indemnity & Catastrophic Only Plans

Hospital Indemnity Plans

Hospital Indemnity Plans; also known as Hospital Reimbursement or Defined Benefit Plans all work similar.  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 been treated for, taken medication for or been diagnosed with in the past 12-24 months prior to the start of the policy) and they do include some limitations and exclusions.     Click here to see everything this plan has to offer and the incredibly low prices!

Catastrophic Only 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!  This Catastrophic Plan covers, emergency room, out-patient 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 been treated for, taken medication for or been diagnosed with in the past 12-24 months prior to the start of the policy) and they do include some limitations and exclusions.   Click here to see everything this plan has to offer and the incredibly low prices!

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.  

Other

Wellness Plan

Aliera healthcare offers a Wellness Plan that covers the same wellness benefits as the Affordable Care Act (with some limitations).  This plan would pair well with a Catastrophic Plan for more balanced and well-rounded coverage.  Click here to see this innovative new plan!  

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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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