Protect Your Wallet from Unexpected Medical Bills

Stay ahead of high deductibles and out-of-pocket costs with a simple, low-cost solution. Enroll today and gain peace of mind when you need it most

PRICING

Plan Options

$1,000 Deductible

Benefit - Up to $8,200
Individual $225 Monthly
Ind/Spouse $425 Monthly
Ind/Child(ren) $375 Monthly
Family $550 Monthly

$2,000 Deductible

Benefit - Up to $7,200
Individual $200 Monthly
Ind/Spouse $325 Monthly
Ind/Child(ren) $300 Monthly
Family $425 Monthly

$3,000 Deductible

Benefit - Up to $6,200
Individual $175 Monthly
Ind/Spouse. $300 Monthly
Ind/Child(ren) $275 Monthly
Family $375 Monthly

* The above rates include all premiums, fees, commissions, platform and administrative fees.

How Our Plans Work

For individuals and employers with fewer than 50 employees, there is no ACA mandate to offer group health insurance. By opting to drop their group health plan, employers allow their employees to access the Marketplace and purchase individual health plans, as well as receive a subsidy. Employees then secure a health plan with co-pays via the Marketplace.

In most instances, these policies can be purchased for minimal premiums.

To complement this, individuals and employers purchase the In2itive Health Collective Gap plan for their employees, which significantly enhances the employees' benefits. The Gap plan reduces their deductible to $3,000 or less and covers the remaining deductible and coinsurance costs, up to the out-of-pocket maximum of $9,200.

Employers save money by avoiding rising group health plan costs.
Employees save money with affordable premiums and reduced out-of-pocket expenses.
Employees benefit from a richer and more comprehensive plan compared to their previous group policy.

And the best part? No more 20% rate increases year over year on your Employer Sponsored Group Health Plan!

Intuitive Health Collective Gap policies are thoughtfully designed to align with all major medical health plans, providing a true deductible and coinsurance Gap Plan. These policies lower employee deductibles, reduce out-of-pocket expenses, and save costs for both employers and employees.

In2itive Health Collective Gap policies have no limitations or exclusions beyond those of the primary major medical plan. They are designed to integrate seamlessly, ensuring they do not exhaust before reaching the primary deductible or maximum out-of-pocket limit. Built to align with the primary major medical policy, In2itive Health Collective Gap plan feels like a single, cohesive plan to employees. A well-designed secondary insurance policy should preserve the integrity of the primary plan. It can also serve as an innovative solution to maintain the desired benefits while ensuring compliance with the ACA's Affordability Test requirements.

STILL NOT SURE?

Frequently Asked Questions

How do I make sure I properly use the coverage available to me?

It is important when reasonably possible to stay within network for health services. Your primary and secondary plans will pay a higher benefit level…saving you money. Major medical carrier networks today are very comprehensive, making this less of a concern. You will receive a coverage ID card for your plan so be sure to present it every time you receive medical service.

Can I purchase MedPlus alone for myself or a dependent?

No, this supplemental plan works in sync with your primary health plan and is not a replacement for major medical coverage.

What about limitations, exclusions or pre-existing conditions?

MedPlus plans have no limitations or exclusions outside of the primary health plan and no pre-existing condition clauses.

Will I have to pay the provider and then seek reimbursement?

No, benefits under both plans are payable directly to the provider. The provider will verify eligibility, and the secondary plan will pay off the EOB processed by the primary plan. In the event a claim isn’t filed properly, we do everything possible to take the burden off the member. Notify our claims department with the date of service and we will take the lead in contacting the provider for the necessary documentation to get the claim paid.

How will supplemental coverage save me money?

Let’s look at a simple claim example of inpatient surgery to repair a leg fracture using both a stand-alone high deductible, max out of pocket major medical plan with 80% coinsurance and then the composite plan paired with a $1,000 deductible MedPlus supplemental plan with 100% coinsurance…

Inpatient Surgery totaling $14,250

Stand Alone Medical Plan: You pay $5,000 to meet your deductible but that still leaves a balance owed of $9,250. You will share that portion at 20% and your health plan will share at 80%. To satisfy the bill, you will pay a total of $6,850 and the plan will pay $7,400. Also note that you will have satisfied your Max Out of Pocket liability.

Composite Plan (Primary and MedPlus together):

You pay $1,000 to meet your MedPlus deductible but that still leaves a balance of $13,250. Of that $13,250, you are responsible for $0 of that amount. Between your Primary plan and the MedPlus plan you have no other obligation to meet, as the MedPlus will pay the difference in deductible and the difference in coinsurance that the primary plan does not cover. In this scenario, you would pay $1,000, the Primary plan would pay $7,400 and MedPlus would pay the balance. You would save $5,850 and you have also satisfied your Max Out of Pocket liability. If you have looked at medical gap plans in the past and came away less than thrilled with poorly matched plan designs, inconsistent Inpatient/Outpatient benefits, per occurrence deductibles, age banded rates, inefficient claims service, etc.…it’s time to take a second look. MedPlus plans are specifically designed to mirror major medical plan benefits and act as true secondary health insurance, all while lowering the employee’s deductible, reducing out of pocket exposure, and saving employer cost. The complaint that there are “gaps in the gap” does not apply to our plans. There are no limitations or exclusions outside of the major medical plan, and supplemental benefits will not exhaust prior to reaching primary max out of pocket. Right down to the single ID card, MedPlus plans are built to sync with major medical and feel like one plan to the employee…as it should. Further, a properly designed supplemental or secondary insurance plan should have a positive impact on group’s claims experience with the primary carrier and is a creative solution to maintain desired benefits while meeting the Affordability Test under ACA mandates.

7 Steps to Better Insurance

Member goes to provider/facility and presents Health Insurance card(s)
Provider verifies benefits with primary provider and Gap Plan Provider.
Provider files claim with primary health insurance
Health Carrier processes claim, returns voucher and EOB to provider and member.
Provider files claim and EOB with Gap Plan Provider.
Gap Plan provider processes claim and sends provider payments and final EOB.
Members can track and view all payments in their member portal.

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