"Dual Choice" is the most popular and the most cost effective way of offering benefits to employees. Generally, the employer sponsors or in large part sponsors the cost of the basic plan of health insurance , but allows employees to buy up to the higher richer plan of health insurance benefits.  (Employer may automatically include executives in the richer plan)

  Is this legal?.......you bet it is!      Is it cost effective?.......you bet it is !

Same day quotes < 35,  Request a Quote

Actual sample rates !

                                                                                In-Network  
Physician Services

Office Visits                                                                 $25 copay 
 Specialist Services                                                                        $35 copay
 Well Child Care •Newborn Care

 Inpatient Hospital Care
 Unlimited Hospital Days (Semi-Private).                    $200 copay 
 Private Room When Medically Necessary •               per day (max 3)
 Medication & Drugs ‘ Nursing Care •  
  Professional Services’ X-rays &
 Laboratory . Intensive/Coronary Care
 Radiation Therapy/Administrative of Blood  

 Outpatient Facility Services
 X-ray & Laboratory                                                        $0 copay 
 Ambulatory Surgery                                                   $200 copay
 Short-Term Therapies
 Physical ‘Speech • Occupational •                               20% coins
 Respiratory . Cardiac Rehabilitation
(Short-term therapies are covered from their
original onset up to 60 days.)  

Voluntary Family Planning
Elective Sterilization, Male or Female                          $100   copay 
Infertility Services for the diagnosis of infertility               50%  coins 

Skilled Nursing Facility
Facility, supplies, and equipment authorized                 2O% coins
in lieu of acute care hospitalization within
the service area

Home Health Care
Authorized in lieu of acute care hospitalization              20% coins

                                                         In-Network    Out-of-Network
Physician Services                                                  Yearly Deductible

Office Visits                                         $25 copay       60/40% coins
Specialist Services                               $25 copay       60/40% coins
 Well Child Care • Newborn Care

Inpatient Hospital Care  
Unlimited Hospital Days (Semi-Priv.)   $200 copay     60/40% coins
Private Room When Med Necessary    (max 3 days)
Medication & Drugs ‘ Nursing Care •  
  Professional Services’ X-rays &
Laboratory . Intensive/Coronary Care
Radiation Therapy/Administrative of Blood

 Outpatient Facility Services
 X-ray & Laboratory                                 $0 copay    60/40% coins
 Ambulatory Surgery                              200 copay    60/40% coins
 Short-Term Therapies
Physical ‘Speech • Occupational •                                         
Respiratory . Cardiac Rehabilitation
(Short-term therapies are covered from their
original onset up to 60 days.)  

Voluntary Family Planning
Elective Sterilization, Male or Female       $100 copay    50% coins
Infertility for the diagnosis of infertility         $50 copay    No coverage

Skilled Nursing Facility
Facility, supplies, and equipment authorized     8O%          60%
in lieu of acute care hospitalization within
the service area

Home Health Care
Authorized in lieu of acute care hospitalization   80%          60%

Same day quotes < 35,  Request a Quote

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