Limited Benefit Plans

For many people, rightly or wrongly, major medical insurance is simply not an option. There are many health conditions and diagnoses that will result in one being declined coverage on an individual major medical health insurance plan. If you're in that situation, and don't have access to an employer-sponsored group plan, than unfortunately there's not a major medical health insurance option available.

That's why AC Forrest has invested a lot of time in recent months in finding the best available "limited benefit" health plans for our clients for whom such plans are the only option. These plans provide a schedule of benefits for healthcare costs that provide immediate, upfront help with expenses (ie usually there is no deductible). As the name "limited benefit" suggests, there is a cap on the benefits you would receive. But often, even after maximum benefits have been reached, you can still benefit from access to provider network discounts, which can give you substantial savings on the cost of healthcare.

These plans typically have little to no underwriting - many are "guarantee-issue," meaning that you're guaranteed coverage as long as you pay your premium regardless of your medical history, height/weight, or any other factor. These plans are usually significantly cheaper, opening the door to some coverage for those who can't afford traditional plans.

Contact AC Forrest to learn more about limited benefit health plans.