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Express Med
plans are
underwritten by
World Insurance Company.
World was
founded in 1903 and rated
A-(Excellent) by AM Best as of Jan. 13, 2009.
World Insurance
Company,
American Republic Insurance Company
are subsidiaries of
American Enterprise Mutual Holding
Company (AEMHC).
With
more than $1.07 Billion in assets,
AEMHC
serves more than One Million customers through its operating
companies, which include the three aforementioned A- (Excellent) A.M. Best-rated
health insurance carriers, third-party administrators,
managing general underwriters and marketing organizations.
World Insurance Company
has been providing
life & health insurance solutions for more
than 105 years.
Express
Med "Premier Plus" and "Premier" plans provide high and low deductible plans
with unlimited"first dollar"
outpatient doctor office visit co pays. A "first
dollar" benefit is defined as "a benefit you
receive without paying your calendar year health plan deductible first e.g.
outpatient doctor office visit co
pays, outpatient prescription drug co pays, outpatient
preventative care".
World also provides
a very
competitively priced
HSA
qualified HDHP
with 100% and
80% co-insurance options to choose from.
See brochure below for more details.
World offers 100%, 80/20,
70/30 and
50/50 co-insurance plans
to choose from. An outpatient co pay prescription drug card
is also included with the "Premier Plus" and "Premier"
plans. See brochure below for more details.
The Premier plans now include the new
mandates under the PPACA (Patient Protection & Affordable
Care Act) that went in to effect on September 23rd, 2010.
They are as follows:
No lifetime limits on overall plan benefits, and
no lifetime limit on the dollar value of specific
"essential benefits."
Annual limits on essential benefits, only until
1/1/14.
Rescission only for fraud or intentional
misrepresentation of material facts.
(This was the law before the PPACA)
Coverage of preventive health services and
immunizations without cost sharing. Including the
following
Covered
Preventive Services for Adults:
Abdominal Aortic Aneurysm one-time screening
for men of specified ages who have ever smoked
Alcohol Misuse screening and counseling
Aspirin use for men and women of certain
ages
Blood Pressure screening for all adults
Cholesterol screening for adults of certain
ages or at higher risk
Colorectal Cancer screening for adults over
50
Depression screening for adults
Type 2 Diabetes screening for adults with
high blood pressure
Diet counseling for adults at higher risk
for chronic disease
HIV screening for all adults at higher risk
Immunization vaccines for adults--doses,
recommended ages, and recommended populations
vary:
Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity screening and counseling for all
adults
Sexually Transmitted Infection (STI)
prevention counseling for adults at higher risk
Tobacco Use screening for all adults and
cessation interventions for tobacco users
Syphilis screening for all adults at higher
risk
Covered
Preventive Services for Women, Including Pregnant
Women:
Anemia screening on a routine basis for
pregnant women
Bacteriuria urinary tract or other infection
screening for pregnant women
BRCA counseling about genetic testing for
women at higher risk
Breast Cancer Mammography screenings every 1
to 2 years for women over 40
Breast Cancer Chemoprevention counseling for
women at higher risk
Breast Feeding interventions to support and
promote breast feeding
Cervical Cancer screening for sexually
active women
Chlamydia Infection screening for younger
women and other women at higher risk
Folic Acid supplements for women who may
become pregnant
Gonorrhea screening for all women at higher
risk
Hepatitis B screening for pregnant women at
their first prenatal visit
Osteoporosis screening for women over age 60
depending on risk factors
Rh Incompatibility screening for all
pregnant women and follow-up testing for women
at higher risk
Tobacco Use screening and interventions for
all women, and expanded counseling for pregnant
tobacco users
Syphilis screening for all pregnant women or
other women at increased risk
Covered
Preventive Services for Children:
Alcohol and Drug Use assessments for
adolescents
Autism screening for children at 18 and 24
months
Behavioral assessments for children of all
ages
Cervical Dysplasia screening for sexually
active females
Congenital Hypothyroidism screening for
newborns
Developmental screening for children under
age 3, and surveillance throughout childhood
Dyslipidemia screening for children at
higher risk of lipid disorders
Fluoride Chemoprevention supplements for
children without fluoride in their water source
Gonorrhea preventive medication for the eyes
of all newborns
Hearing screening for all newborns
Height, Weight and Body Mass Index
measurements for children
Hematocrit or Hemoglobin screening for
children
Hemoglobinopathies or sickle cell screening
for newborns
HIV screening for adolescents at higher risk
Immunization vaccines for children from
birth - age 18 doses, recommended ages, and
recommended populations vary:
Diphtheria, Tetanus, Pertussis
Haemophilus influenzae type b
Hepatitis A
Hepatitis B
Human Papillomavirus
Inactivated Poliovirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Rotavirus
Varicella
Iron supplements for children ages 6 to 12
months at risk for anemia
Lead screening for children at risk of
exposure
Medical History for all children throughout
development
Obesity screening and counseling
Oral Health risk assessment for young
children
Phenylketonuria (PKU) screening for this
genetic disorder in newborns
Sexually Transmitted Infection (STI)
prevention counseling for adolescents at higher
risk
Tuberculin testing for children at higher
risk of tuberculosis
Vision screening for all children
Dependent coverage extended to adult children to
age 26.
Prohibition of pre-existing exclusions for
individuals under 19.
The "Premier Plus",
"Premier" & "Basic" plans include a
"first dollar" benefit for the
first $1,000 of Emergency Rooms services or supplies incurred each calendar
year after a $150 access fee is paid (access fee waived in
Illinois). Any remaining costs subject to deductible and
coinsurance. See brochure below for more details
The "Premier Plus" & "Premier" plans include a "first dollar"
benefit for X-Ray & Laboratory tests performed in a
Physicians office. With the "Premier Plus" plan there will
be a $25 co pay required per test; up to $200 per test then
subject to deductible and coinsurance.
With the "Premier" plan there will be a $50 co pay required
per test; up to $200 per test then subject to deductible and
coinsurance. See brochure below for more details.
The "Premier Plus" plan includes a "first dollar" outpatient
doctor office sick visit co pay benefit. The "Premier Plus"
plan requires a $50 co pay per visit and the first two co
pays are waived each calendar year. Out of network visits
are subject to deductible and coinsurance. See brochure
below for more details. The "Premier" plan requires a $50 co
pay for each visit.
Out of network visits are subject to deductible and
coinsurance. See brochure below for more details.
Available plan options include Accident
Expense, Maternity Coverage, Critical Illness
coverage, Short Term Convalescent Care and Term Life. See
brochure below for more details.
World Insurance Company Express
Med Premier & Premier Plus PPO Plans
Outpatient "first dollar" doctor office
sick visits co pays included depending on the plan you
choose.
PPACA Mandated Child & Adult Wellness
Benefits (outline above) included after 6 months or immediately on a "first dollar" basis depending on the option
you choose.
Outpatient Prescription drug card included
depending on the plan you choose.
100%, 80/20, 70/30 and 50/50 co-insurance to
choose from.
Optional Accident Expense benefit for an
additional premium.
Optional Maternity coverage available for an
additional premium.
Check brochure for your State's mandated plan
variations.
World Insurance Express
Med Brochure 2011 ILLINOIS ()
World Insurance Express Med Premier
HSA qualified HDHP
Brochure
2011
ILLINOIS
(
PDF)
World Care Individual Dental Insurance plan (
PDF format)
Since accidental injuries are far
more likely to occur than major medical illnesses (most especially when
you have active children) many families are choosing to purchase
supplemental accident expense plans. These plans pay you a cash benefit
of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs.
This cash can then be used to pay your health insurance plan deductible.
Supplemental Accident Expense plans are also a great way to save money
because you can choose a higher deductible than you would normally
choose knowing that you will not have to pay that deductible if an
accidental injury occurs to any member of your family. Click below for
more information:
Supplemental Accident Expense plans can also be coupled with Critical
Illness plans. In fact, Supplemental Accident Expense plans are often
cheaper when coupled with Critical Illness plans. Why consider Critical
Illness coverage?
Approximately
1.2 MILLION people
suffer heart attacks each year.
Approximately
780,000 people suffer
strokes each year.
More than
1.4 MILLION new cancer cases were estimated for diagnosis in 2007
alone. Between 1994 and 2004, the death rate declined approximately 31%
for heart attacks and almost 24% for strokes. (Source: American Heart
Association, Heart and Stroke Statistical Update, 2008.) The possibility
of surviving a Critical Illness before age 65 is almost twice as great
as dying. (Source: National Center for Health Statistics.)
WOULDN’T A CHECK BE BETTER
THAN A GET WELL CARD? Critical Illness benefits are paid directly to
you. You choose how to spend the benefit at a time when you and your
family may need extra cash the most. For example:
Home Health Care
Cost of Caregivers
Lost Income of Self or Spouse
Daily Living Expenses
Co Pays, Deductibles & Co-Insurance
Non -Covered "Experimental Treatments
Housekeeping or Child Care Expense
Maintenance of Your Family's Quality of Life
A
merican
General (www.AmericanGeneral.com) has introduced a new Supplement Accident Expense plan that
also includes Critical Illness coverage and it's extremely
well priced. Adding this product to any health insurance
plan would not only alleviate the worry of paying your
health plan deductible if you or a family member where to
suffer an accidental injury but it will also provide you a
much larger cash benefit (up to $25,000) if you or a family
member were to contract a critical illnesses such as life
threatening Cancer, Stroke, or Heart Attack. For more information about this
unique and affordable plan click the brochure below. For a
free quote, please
contact us and we will send
you quotes via email. Or call us toll free @ (866) 724 7123.
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