OptiMed
offers numerous health care plans for employers. To
view individual plans, browse our OptiMed Plans for
Employers, learn about Plan Features, compare plans
using our online comparative matrix, get fast answers
in our Frequently
Asked Questions (FAQs), and access a
directory of medical, dental and vision providers.
Plan features
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 Pre-exsiting
condition limitation on groups of 10 or more : regardless
of past ... etc
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.
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