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Defined Benefit Health Insurance
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Discover the Advantages of Defined Benefit Medical Plans
When you're looking at health insurance, be sure to look beyond standard major medical plans and consider a defined benefit plan from Jimmy Life and Health.
Our targeted, defined plans can give you more coverage than major medical, with little or no deductibles and more add-on options. You'll be fully covered in a way that matches the way you live, as well as the size of your budget and your family.
Look at a Side-by-Side Analysis of the 2 Plans
Major Medical Plan
- Defined contributions
- Meets MEC requirements
- Unlimited benefits
- High deductible
- Large co-pays
- High premiums
- High potential for annual premium rate increases
- Savings go to the insurance carrier
Defined Benefit Medical Plan
- You pay a specific amount for specific events
- Does not meet MEC requirements (but there is no tax penalty)
- Limited benefits
- Deductible only on hospital admission
- No co-pays
- Middle to low premiums
- Low potential for annual premium rate increases
- Savings go to you as the policyholder
Compare How the 2 Plans Deal With Real Health Events
Major Medical Plan
- Outpatient surgery - deductible must be met
- MRI, labs, and X-rays - deductible must be met
- Doctor visits - co-pays and or deductibles
- Prescription drugs - Rx co-pays of $15 for generics and $35 to $75 for brand-name drugs; Rx co-pay does not count towards calendar year deductible
- Emergency room - $100 to $1,100 access fee plus full deductible must be met for additional benefits
- PPO network - mandatory use by client
- Penalty - doubles your deductible and co-insurance penalty applied
- Telemedicine - some charge fee per use
- Additional riders - none offered
Defined Benefit Medical Plan
- Outpatient surgery - no deductible to meet
- MRI, labs, and X-rays - Immediate benefit and no deductible
- Doctor visits - Immediate benefit and no co-pays or deductibles
- Prescription drugs - Net Rx cost to patient equivalent or better than that of a co-pay
- Emergency room - $400 to $800 benefit up front - $4,000 additional if there for accident
- PPO network - you choose your doctor and hospital
- Penalty - no out-of-network penalties
- Telemedicine - free and unlimited
- Defined benefits - you choose coverage for catastrophic accidents, critical illnesses, and specified diseases
Start With a Call or Text to Request a Free Quote
Call or text us today to find out how much a difference a defined benefit insurance plan can make for you. We'll respond to your inquiries within one hour and can usually give you an estimate on the same day.
We also offer Medicare plan options, as well as life insurance coverage.
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