Guaranteed Issue: Acceptance of your employees is guaranteed.

No Pre-existing Conditions: Regardless of past health history, your employees are eligible and will not be subject to any pre-existing conditions limitations or exclusions.

No Coordination of Benefits: Plans pay in addition to any other coverage that the employee may have and benefits can be paid directly to the insured or the provider.

Fully Insured: Medical Benefits are fully insured. In addition, OptiMed qualifies under ERISA and complies with Section 125 (cafeteria) and COBRA.

Maternity Benefit: Maternity is covered as any other illness.

Universal Rates: Provides both a voluntary or non-voluntary rate structure that is the same regardless of demographics, industry or location.

Assignment of Benefits: Benefits for doctors' office visits and in patient hospital stays can be assigned to the provider or paid directly to the insured.

Easy to Understand and Use: OptiMed's defined benefit structure clearly outlines the benefits payable for services rendered, thus eliminating the confusion of co-pays, co-insurance and reasonable and customary charges.

Friendly, Convenient Customer Service: Dedicated Account Customer Service Representatives are available to assist in benefit enrollment, finding network providers, and helping solve claim issues. In addition, Spanish-speaking customer service representatives are available.

Access to National PPO Network: While the insured can go to the provider of their choice, a national preferred provider network is included that offers discounted services. Locating a provider is quick and simple.