For assistance, please contact:
Eduardo Benaim
1728 NE MIAMI GARDENS DRIVE # 321
MIAMI, FL 33179
954-343-1114    
ed@bipinsure.com
Premier Options
A Guaranteed Issue* Hospital Indemnity Policy

Missing Major Medical Coverage?

While not a substitute for Major Medical coverage, Premier Options is available for those who are unable to qualify for or afford Major Medical insurance. The Premier and Select packages are designed to include a variety of both inpatient and outpatient benefits, including a strong surgical schedule that can be accessed either in or out of the hospital an unlimited number of times! (Subject to a dollar limit, which varies by plan) Benefits can be paid to any hospital or doctor, but for those that wish to have additional savings, Premier Options also includes access to the MultiPlan Network. MultiPlan Network provides additional cost savings from repricing when you use a MultiPlan provider. (Not available on the Bronze plan)

Do you have Major Medical Coverage but high out-of-pocket expenses and deductibles?

In today’s healthcare environment, many people are looking for ways to keep premiums affordable. While no single plan or plans are best for everyone, many are finding relief in the form of "Packaged Benefits." Packaged Benefits include a High Deductible Major Medical plan for catastrophic protection and a custom tailored Premier Option plan that can reduce or even eliminate the out-of-pocket exposure associated with hospital confinements. This can often be accomplished with little more premium than is currently required for their Major Medical plan alone!

  • Guaranteed Issue for full-time employees ages 18-64
  • No Ineligible Medical Conditions!
  • No Deductibles or Coinsurance!
  • Use any hospital or doctor
  • Benefits Paid in Cash Directly to You! (Unless you assign them.)
  • Guaranteed Renewable until age 65, conditionally renewable until age 70
  • MultiPlan Network included
  • Pays in Addition to Any Other Insurance

*To receive Guaranteed Issue underwriting consideration, the primary insured must be gainfully employed, and working an average of 30 or more hours per week. Premier Options will not cover any pre-existing conditions for the first 12 months.

Benefit

Premier Plan

Select Plan

Enhanced Plan

Essential Plan

Daily Room Benefit

$500

$400

$100

$50

Riders

 

 

 

 

Intensive Care Unit
(limit, 20 days per confinement)
(FL-HRICU)

$2,500 per day

$2,000 per day

$1,000 per day

X

Lump Sum Indemnity
(FL-HRLS)

$1,000

$1,000

$500

$500

First Hospital Confinement
(benefit based on confinement duration) (FL-HRFHC)

$10,000
over six days

$10,000
over six days

$5,000
over six days

$5,000
over six days

Surgery Plus *
(FL-HRSUR+)

$3,000
per day

$2,000
per day

$1,000
per day

$1,000
per day

Anesthesia Benefit

$600
per day

$400
per day

$200
per day

$200
per day

Private Duty Nurse
(FL-HRPN)

$250 per day

$250 per day

$250 per day

X

Specified Injury*
(FL-HRSI)

to a maximum of $1,800

to a maximum of $1,800

to a maximum of $1,800

to a maximum of $1,800

Emergency Accident
(FL-HREA)

$250 per accident
(limit 4 per year)

$250 per accident
(limit 4 per year)

$250 per accident
(limit 4 per year)

$200 per accident
(limit 4 per year)

Outpatient Sickness
(FL-HROS)

$100 per sickness
Limit 4 different
sicknesses per year**

$75 per sickness
Limit 4 different
sicknesses per year**

$50 per sickness
Limit 4 different
sicknesses per year**

X

MultiPlan PPO Network

Included

Included

Included

X

*Consult your policy plan form for additional details. Some benefits subject to schedule and/or maximum
**Maximum total of 4 different sicknesses per year for all dependent children; not per child

Premier Options is a guaranteed issue hospital indemnity plan for individuals working full-time. Whether you have major medical coverage or not, an accident or illness which causes a hospital stay can create significant medical and non-medical costs for you to pay. Premier options allow benefits to be paid directly to you in cash – to use as you wish unless you assign them to a provider.

  • Guaranteed Issue for full-time employees ages 18-64
  • Benefits Paid in Cash Directly to You! Unless you assign them.
Limitations & Exclusions
This Policy (including any Rider(s) attached) does not pay Benefits for conditions caused by or resulting from:
  1. treatment of alcoholism or drug addiction; or
  2. being legally intoxicated or being under the influence of any drug unless prescribed by a Physician; or
  3. attempted suicide while sane or insane or willful and intentional self-inflicted Injury; or
  4. being exposed to war or any act of war, declared or undeclared or while serving in the armed forces;
  5. engaging in an illegal activity; or
  6. Dental Treatment or plastic surgery for cosmetic purposes. This exclusion does not apply if the treatment or surgery is: (1) due to an Injury; or (2) to restore normal bodily functions; or
  7. care that is primarily for rest, convalescence or rehabilitation; or
  8. treatment of Mental or Nervous Disorders without demonstrable organic disease; or
  9. treatment which is rendered outside the United States, its possessions, or Canada, except for emergency care for acute onset of Sickness or Injury sustained while traveling for business or pleasure; or
  10. any Pre-Existing Conditions as defined in this Policy; or
  11. conditions specifically excluded by amendment or endorsement.
This Policy (including any Rider(s) attached) does not pay any Daily Benefit amount(s) if there is no Hospital room and board charge. Additional exclusions apply for some riders.
Pre-Existing Conditions
Termination
Teladoc
Karis 360