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Care Access Plan
Large medical bills, expected or not, can be stressful. Oftentimes, consumers must meet their health insurance deductible before plan benefits fully kick in. Hospital and surgical health insurance plans can help reduce out-of-pocket costs by paying fixed benefit amounts to help with covered medical expenses resulting from hospitalization, surgery and certain outpatient therapy services.

Care Access Plan (CAP) is a fixed indemnity solution for your clients. Unlike short-term medical, it is a permanent plan that is available year-round. Why is this great for you? With the uncertainty of the health insurance industry, this is one product that you can count on.

Here’s what you need to know:

  • Offers cash to use as needed for medical out-of-pocket expenses
  • May be used either as a standalone or as a supplemental plan 
  • Tip: Pair with critical illness, accident medical expense, and accidental death and dismemberment coverage
  • Underwritten on a simplified issue basis versus a fully underwritten basis
  • Deductible choices ranging from $0 to $7500 to help control monthly costs
  • Guaranteed renewable
  • No network requirement, which means your client can go to any provider in the U.S. 

Great option for customers: 

  • In rural area
  • Who want to access top-rated facilities that may be out-of-network with an ACA carrier
  • That are transient
  • That are currently students outside their parent's plan service area 
  • Discounts are available from contracted MultiPlan providers

Plan flexibility and options 

  • Daily inpatient benefit selection levels as great as $3,000 per day
  • Inpatient surgery benefits selection levels as great as $9,000 per surgery
  • Inpatient accident selection levels as great as $10,000 per covered injury
  • Outpatient surgery selection levels as great as $3,900 per surgery
  • Selection levels as great as $40,000 of simplified issue critical illness
  • Selection levels as great as $90,000 of outpatient chemotherapy per insured
  • Office visit reimbursements
  • Limited prescription coverage is available
  • Wellness bundles optional
  • Diagnostic X-ray and lab optional
  • Covers some or most pre-existing conditions after 12 months of continuous coverage
  • Available in most states

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