1. Why Are Your Rates So Affordable?
With our plan, your premium is based on your age, smoking status, where you live and your overall health. The healthier you are, the lower your premium! It’s like a good driver discount for your health.
On top of that, 5% of the population is responsible for 50% of all healthcare costs in the US. Our plan is so much more affordable because that 5% of the population does not enroll in our plan. That population typically uses the Affordable Care Act (Obamacare) or Medicaid to pay for their excess usage.
The people who are eligible and who qualify for our health indemnity plan are typically healthier. That means our health indemnity plan doesn’t have to pay as many claims…which means we can lower your premium payments while still giving you better benefits!
2. How Do I Find Out If I Qualify For This Plan?
Let's find out now! Do any of the situations below apply to you?
- Recent heart attack/stroke
- Current cancer or previous cancer within the last 5 years?
- Insulin dependent diabetes
- Currently disabled
- Currently in need of surgery
- Over 64 years old
If you answered "yes" to any of the situations above, this plan is not the right plan for you.
But if you have conditions that are NOT listed above like: high-blood pressure, high-cholesterol or other minor conditions, that’s great news because you’ll likely qualify for our coverage! Your agent can help you further determine if you qualify.
3. Is This Real Insurance?
This is a health indemnity plan and is 100% approved and regulated by each state's Department of Insurance. We are required to strictly follow the healthcare coverage laws in each state we offer this plan.
4. If The Plan Is Not ACA Compliant Do I Have To Pay A Penalty For Not Having ACA Insurance?
No, there's no penalty for purchasing a health indemnity plan.
5. If This Plan Is Not ACA Compliant Can I Still Offer It To My Employees.
Yes, if you have less than 50 employees you are not required to offer an ACA compliant plan.
If you have more than 50 employees you can still offer this plan coupled with one of our other solutions to keep you compliant with all regulations. Please contact us and we will explain how we help employers with 50 or more employees.
6. Is This An HMO Or PPO?
It’s a PPO plan. This plan utilizes one of the largest PPO networks in the country and has over 882,000 access points in all 50 states! The name of the PPO network is MultiPlan PHCS and we use both their MultiPlan network and MultiPlan Limited.
7. Do I Have To Pay My Bills First And Then File My Own Claims To Get Reimbursed?
No. If your doctor and facility are in-network, you'll simply give them your insurance card, like most any other insurance, and your doctor will file your claim. Once your claim is paid, any money left over will be sent directly to you as an "excess indemnity check."
8. How Can Your Insurance Company Afford To Give People More Money Than Their Claims Actually Cost?
If you have a daily hospital benefit of $3,000 per day and your hospital bill is $2,500 then you have what is called an EXCESS INDEMNITY BENEFIT.
That excess benefit is yours by law and the insurance company has to pay it to you. That means the left-over benefit of $500 would be sent to you.
Because of this legal agreement one of our clients fighting cancer actually received checks in the mail totaling almost $59,000 even after his medical claims were paid to his doctors and hospitals.
9. Is My Doctor In Network?
Most likely, yes! This plan utilizes one of the largest PPO networks of providers, with over 882,000 access points in all 50 states!
Your agent can help you confirm that your doctor is in network.
10. How Do I Know If This Is Enough Coverage For Me?
After you've requested a quote, a quick 20-minute conversation will allow us to customize your coverage to your specific healthcare needs and budget!
In the year 2017 only 194 people filed health insurance claims that exceeded $1 million. The average person does not need the unlimited benefits that companies like Cigna, Blue Cross Blue Shield, Aetna, Human and United Health Care offer. That is another reason why they charge so much.
11. Do I Have To Renew Or Re-Qualify Every Year?
No. Your policy is automatically renewed every year with no effort on your part regardless of your claims history or health status changes up to $5 million.
12. What Is My Max Out Of Pocket?
We don’t have a max out of pocket.
You have a max annual benefit of $250,000, $500,000 or $1,000,000.
13. Why Should I Purchase Insurance Through Revolt Healthcare Alliance?
We provide the best benefits at the best price and our agents actually care about you. Our agents will be there before, during and after a health event to help you understand and use your benefits.