How is the Prime Med Plus Health Program different than traditional health programs?
Is this insurance?
Is the Association an insurance company?
Is this program Guaranteed Issue?
Is this a Major Medical Program?
Is this a comprehensive medical program?
Why offer a limited-benefit program?
What Are The Medical Underwriting Requirements?
How do I know if I'm eligible for this program?
What does non-participation requirements mean to the employer?
Can a 1099 contract worker purchase the Prime Med Plus Program?
Should the Prime Med Plus health program replace major medical programs?
How long does my membership have to last?
When does Coverage End?
Do I have to go to your network providers?
How do I know if there are any providers in my area?
How can I obtain the discounts with the program?
Q: How is the Prime Med Plus Health Program different than traditional health programs?
A: The Prime Med Plus Health Program gives the employer, employee, or individual the freedom and flexibility
to design his/her health program. You can choose to design a health care program that covers basic health care
needs, which guarantees extremely low monthly cost or you can build a more complete program. Top
Q: Is this insurance?
A: You will receive insurance coverage, but this is not a traditional major medical policy. By becoming a
member of the Association, you receive both the network savings and the coverage of a basic medical insurance
policy that pays according to a fee schedule on doctor visits, hospital stays, surgeries and more. Top
Q: Is the Association an insurance company?
A: No. The Association is a not-for-profit member association dedicated to providing members with information on
health related issues. It has acquired and packaged service benefits, network savings and a limited medical
insurance in order to provide members with a low-cost alternative to traditional medical insurance and equip
members with a way to take control of their personal health management. Top
Q: Is this program Guaranteed Issue?
A: If you are employed, regardless of medical history or pre-existing conditions, the Prime Med Plus health
program is guaranteed to be issued. Top
Q: Is this a Major Medical Program?
A: No. This is not a major medical program. This program offers limited-benefit medical cash reimbursement
coverage for basic medical expenses. Top
Q: Is this a comprehensive medical program?
A: No. This is a hospital indemnity insurance and savings program that does not coordinate benefits, so it
pays regardless of any other coverage the covered person may have. This is a limited-benefit policy and is not
a substitute for a major medical program. It does, however, have benefits for multiple types of care and is
designed to save members money on virtually all services. Top
Q: Why offer a limited-benefit program?
A: limited Medical Programs make coverage available to individuals that may not be eligible for Group
Insurance Programs. In addition, limited Medical Programs are useful in filling in gaps of coverage in group
insurance major medical programs with high deductibles and coinsurances (mandated out of pocket). Think
of auto insurance - one can purchase full coverage with Uninsured Motorist Protection, Personal Injury
Protection, Passenger Injury Protection, etc but most people choose to get Liability Coverage because it gives
them insurance coverage and that's what they can afford. For some, it may be the only thing they can qualify
for with the auto insurance carrier. This program, in many ways, is like the "liability coverage" of the health
industry. Top
Q: What Are The Medical Underwriting Requirements?
A: All individuals and dependents are automatically accepted for membership in the association. There are no
health questions asked and there are no rate-ups for any medical conditions. The only requirement for
participation is that the primary member must: