Multiple Options

Basic Plans For Hourly Workers

Full or Partial ACA Compliance

Plan options include fully or partial self-funding, fully insured indemnity and co-pay plans as well as non-compliant limited medical plans that retain valued workers at little cost to the employer

Top Rated Carriers

We have identified and vetted the top rated carriers and best in class third party administrators in the US. We can present any combination of plans to suit any clients circumstances

It can be confusing to a broker who rarely works in the limited medical space to know what to do

 

  Reach out to us. We are the most experienced general agent in the US specializing in low cost Affordable Care Act compliant plans

 
 

Sample Selection Of Plans

3

Mec plus Co-Pay

$45

Satisfies the A penalty. Preventive services ONLY

3

MEC plus indemnity

$95

Satisfies the A penalty and provides additional coverage for Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging. Payments made using a fixed dollar (indemnity) model. No deductibles or Coinsurance

3

Mec plus Co-Pay

$105

Satisfies the A(employer mandate)penalty and provides additional coverage for Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging. Payments made using a Co-Payment model. No deductibles or Coinsurance

3

MEC plus Middle Med

$225

Satisfies the A (employer mandate) penalty and provides higher limit (between Limited and Major Medical) coverage for Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging and Critical Illness. Payments made using a fixed dollar (indemnity) model. No deductibles or Coinsurance

3

Minimum Value (mvp)

$450

Satisfies the A & B penalties and provides high limited Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging. Plans include Deductibles, Coinsurance and out of pocket limits  

3

Indemnity(not compliant)

$65

 Fully Insured. Provides 1st dollar coverage for Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging. Payments made using a fixed dollar (indemnity) model. No deductibles or Coinsurance (NOT ACA Compliant) 

 
3

Limited day plan

$215 to $354

Satisfies the A penaltyand provides short term high limit coverage for Hospital/Surgical, Maternity, Doctor’s Office Visits, Accident, Lab and Imaging. Payments made using a fixed dollar (indemnity) model. No deductibles or Coinsurance 

Rates shown above are for comparative purposes only and are not binding

 

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Information & Questions - (619) 301-7460

DBA of Hammett Insurance Services Inc