There are a couple of benefits incurred to those who choose to work with premier choice. Despite giving disease, sickness, and accident PPO plans, premier choice provides a couple of benefits to its clients; these benefits make them outstanding from the others. Below are some of the benefits enjoyed by those who choose premier choice.
See Any Doctor in Any Hospital.
The premier choice members get exclusive access to any doctor in any hospital under the designated network. One would wish to seek many services whenever they visit a hospital. However, the more specialized a doctor is, the harder it is to access them. However, the premier choice has got a variety of specialists at their disposal ready to serve their users.
Premier choice gives one option to choose their most convenient hospital to visit for specialized medical care. Even though the clients have full access to the healthcare professionals within the premier choice network, they are also open to seeing any other doctor despite not being members of the specified network.
The best thing with premier choice health cover is that it is always available to dispense its services whenever required by its clients. It always covers the health expenses of those dependent on it at all times, regardless of the situation. Even at one’s lowest economic moments, premier choice ensures that the hardships get dealt with minus the health factors in play, for they shall always get sorted. It is important to note that every plan pays, and any other health coverage one had ongoing with premier choice. It subsequently leads to numerous and limitless abilities to the user of multiple covers.
It is important to note that those insured with the premier choice have the freedom to add as many cover plans as they would find satisfactory. In addition, the company allows its clients to buy as much coverage as they would wish, but without any additional underwriting. It makes it very efficient to switch between the many available plans and settle on what they feel would suit them best. However, if they wish to have all covers altogether, they are legally free to do so.
Locked Rates at No Extra Cost
Premier choice health covers automatically lock the rates 15 months prior without charging any extra cent to its user. However, the premier choice has a guarantee period that does not apply to rate changes due to several factors. Among the factors is the change of the person’s address. It makes it possible to seek medical care even when at a new address without getting through bureaucratic processes. The difference in the number of insured persons covered by premier choice also does not affect the rates as instructed.
Subsequently, any future federal or state laws requirements do not cause any rate change. A change in benefits or options of one under premier choice and a difference in payment modes also do not guarantee any change to the rates for the specified period. Additionally, a change in the benefits, limitations, and even group policy coverage would still not apply any change of rates.
Essential Health Plans
Premier choice has got a variety of health plans available. Each gets essentially accustomed to fit the client’s needs. Among the available health plans include the Sickness plan, which gets accompanied by optional medical inflation protection, and the accident plan, which has also got medical inflation protection as an option.
Whenever a client has got any of these plans in effect, they have got the right to make additional coverage purchases. One could also access the premier choice short-term medical-surgical expense plan whenever necessary, but with no additional underwriting for those not covered under the ACA minimal essential coverage plan.
The availability of different coverage plans makes it possible for persons to insure themselves against the risks they feel are likely to get incurred the most. The insured has also got the option of having a couple of health plans for themselves; and action that would accompany their many benefits.
However, if one doesn’t wish to acquire multiple coverage plans, they may opt for a more comprehensive plan or even a plan covering the risk they are most likely to face. It is also essential for persons to note that different plans have various benefits and features; therefore, getting detailed information on their plan of interest is necessary before advancing towards a decision.
First Dollar Coverage
A first dollar coverage has got all its client’s bills covered from the beginning to the end, without requiring any copayment between the company and its client. Premier choice ensures the first-dollar coverage for their clients up to the applicable benefit amount available for persons under different plans. Premier choice implements a rollover feature in every plan that ensures the unused benefits get carried forward for later use other than losing.
It is common for companies to offer their clients subsidized amounts for their medical expenses. However, at Premier choice, the clients enjoy first dollar benefit payments under specific plans. It enables the clients to access medical care without first satisfying calendar year deductibles.
However, some plans require the insured to satisfy some deductibles for those in the network and another for non-network providers before the insured’s medical expenses get eligible for payment. To avoid all that, premier choice makes it possible for its clients to receive medical services and fully pay their expenses without requiring any calendar year deductibles.
Coverage Purchase Without Underwriting
Underwriting can get described as the process where an insurer determines the risk of insuring one. It involves the company evaluating the underlying risk and posing a price for its coverage. At Premier choice, the clients can buy more coverage at their convenience without additional underwriting. It makes it easy to gain access to other coverages and saves on the time one would have had to spare for taking on the underwriting process. For sure, Premier choice has got outstanding features enjoyed by its clients.