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Patriot Health Limited Indemnity Plan
Economical Doctor & Hospital Insurance, At Last!

Here's what you receive*:

       1) doctor and hospital insurance at economical rates
       2) no annual contracts, you only pay monthly
       3) no medical exam
       4) access to a network of participating doctors and hospitals
       5) Supplemental Insurance at no additional cost
       6) Discount Healthcare Package at no additional cost
       7) Consumer Discount Package at no additional cost

Benefits Provided ... subject to the Plan option you choose and to insurance company terms and conditions.



Doctor Office Visits
Wellness Visits
Hospital/ICU/CCU
Surgery
Anesthesia

Diagnostic/X-Ray/Lab
Emergency Room
Physical Therapy
Ambulance
Hospice

How the Plan Works
An “indemnity” plan means you are reimbursed for a medical service based on the plan chosen (click here for Schedule of Benefits and Rates). For example, if you were to be hospitalized and the cost was
$800 per day and the reimbursement limit for the plan you chose was $1,000 per day, the $800 cost would be covered 100%. Whereas, if the hospital cost was $1,100 per day, the plan would reimburse up to the $1,000 per day limit, so there would be an out-of-pocket expense of $100.

Compare Rates       
       • a traditional major medical plan costs approximately
         $450 monthly for an individual and $1,350 monthly for a family.
         Annually, that amounts to $5,400 for an individual and
         a whopping $16,200 for a family!
        the Patriot Health Limited Indemnity Plan costs
         approximately $90 monthly for an individual and only $218
         monthly for a family. Annually, that amounts to approximately
         $1,080 for an individual and only $2,616 for a family.
         Comparisons are estimated rates (based on our Freedom Plan)
         that may not apply in all cases).

Association Membership
We are pleased to offer individuals and their families the opportunity to obtain membership in the United Consumer Awareness Association (UCAA), as UCAA is the master policyholder of the Patriot Health Limited Indemnity Plan. Membership in UCAA; a Missouri-based, 22 year old association, is automatic and at no additional cost.

Here's What Our Plan Includes:

1) The Patriot Health Limited Indemnity Plan
   (including Supplemental Insurance)

2) Additional Discount Healthcare Benefits

3) Additional Discount Consumer Benefits



How You Get Reimbursed
       • When you visit an in-network provider you pay a "copay" for
         the visit in the amount of the Plan you selected. It's that simple.
         No Claim Form to fill out.

       • If you visit an out-of-network provider you pay for the service
         at the time of the visit. Then, you submit a Claim Form along with
         a copy of the doctor/hospital bill and a reimbursement check is
         mailed to you in the amount of your bill up to the coverage
         provided by the Plan you selected. Reimbursement checks are
         usually processed within fourteen (14) business days.

Join Now and You Will Receive:
       1) the Patriot Health Limited Indemnity Plan, excellent doctor
            and hospital insurance at economical rates ... real savings! You
            pay monthly and can cancel at any time.

       2) a Supplemental Insurance, at no additional cost
       3) a Discount Healthcare Package, at no additional cost
       4) a Discount Consumer Package, at no additional costJoin Now Button

With our comprehensive healthcare packages, you save money day after day!

Find Out More or Need Help

Preventative HealthCare Solutions believes in individual attention. Should you have any questions at all, or need help enrolling, please call our Customer Service department at 1-866-625-1836 ext. 176 and we will be pleased to help you.

___________

Disclosures:

*All limited medical benefits are provided through membership in the United Consumer Awareness Association, details provided on the following pages. A limited medical plan is not a major medical program, it is a Limited Indemnity Plan and it is not available in the following states: CT, KS, MD, ME, NJ, VT and WA.

The Discount Healthcare Programs provided are NOT insurance, they are discount programs, and are not available in the following states: CT, FL, IL, KS, MT, OK, SD, UT and VT.











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Eligibility Requirements

You must be less than
65 years of age

(at 65 one becomes eligible for Medicare)

Satisfaction Guaranteed

Insurance Providers

A few of the insurance providers are the Guarantee Trust Life Insurance Company, Hartford Life Insurance Company, and United States Fire Insurance Company, all "A"-rated insurance carriers.

 

 

 

 

 

 

 

 

 

It's Painful!
                

HMO premium increases in NYC last year for individuals
                        
HMO % >1
Atlantic Health 75.0%
Aetna Health 29.0%
Health Net (NY) 19.4%
Oxford HP (NY) 15.0%
Cigna HC (NY) 10.6%

"Almost every HMO serving New York City has dramatically raised rates over the past year - forcing thousands of families to shell out nearly $4,000 a month for basic health insurance, The Post has learned."
      
1The New York Post, 8/13/07


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