Before looking at the different types of health insurance plans, it’s important to know what you may be responsible for paying. It’s important for you to understand a few terms:

• Copay: This is a fixed amount you must pay at the time of service (i.e. a doctor’s office visit)

• Deductible: This is a flat amount that you are required to pay before the insurance company will pay any benefits. The higher the deductible that you’re willing to pay, the lower your premiums payments for the insurance will be.

• Coinsurance: This is the percentage ( for example, 80%) that would be paid by the insurance company for a covered medical expense. This means that you would be responsible for paying the balance of the expense ( 20% in this example).

The Benefit Alliance Plan offers two types of Individual Major Medical Insurance:

• High Deductible Plan for individuals/families who are:

• Seeking lower cost protection for routine healthcare expenses in exchange for lower premiums

• Looking for low cost protection from unexpected accidents and illnesses

• Willing to accept more responsibility for covering minor or routine healthcare expenses – if they come up.

• Co-Pay Plans for individuals/families who:

• Want a plan that’s more like a traditional employer plan with a copayment for routine healthcare expenses.

• Have children who have regularly scheduled doctor office visits.

• Want copay benefits for preventative care and prescription drugs.

Both of these types of plans:

• Offer a selection of deductible and copay choices

• Feature a nationwide network of doctors and hospitals

• Provide convenient payment options: Check, money order, Visa/MasterCard, or automatic bank withdrawal

• Provide lifetime maximums of 3 Million or 5 Million dollars

To learn more about the availability of these plans, ask questions, and get rate quotes:

Call Leslie & Associates, Inc. at 1-800-644-6854

These plans are not available in all states