INNOVATIVE GROUP PRODUCT DESIGN
Integrated Insurance Partners understands that there is a disconnect between market demand and product availability. IIP makes sure that our business partners have creative input and access to Unique group product design. Leveraging technology and innovative ideas creates positive outcome for all parties involved with a group health plan.
Benefit Selection
Today the ACA dictates the allowable health/primary medical plan maximum out-of-pocket expenses. In 2018 the maximum individual amount is $7,350 and the family maximum is $14,700. Many of our Defender plans can be written to the current maximum levels; some states are limited to a lower maximum benefit level until the filings can be updated. We are currently able to write an array of coverage deductible and maximum benefit combinations to meet the needs of any employer group.
Doctor's Office Visits
Defender plans can provide a co-payment for doctor office and specialist visits when they have been removed from the primary health plan. Co-payments can be set within the filing bracket of $0 - $200 per visit.
"Co-payment" means a specified amount that a Covered Person is responsible for paying, each time the Covered Expense is incurred, before benefits are payable under the policy.
In-patient and Out-patient
Defender does not reduce the benefit percentage for out-patient coverage. Plan maximums cover both in-patient and out-patient charges at 100% up to the benefit maximum selected.
"Inpatient" means a Covered Person who has been formally admitted to a Hospital for purposes of receiving Inpatient Hospital services for no less than 23 hours.
"Outpatient" means a Covered Person who incurs medical expenses while other than an Inpatient at a Hospital. Out-Patient Expenses Include: Emergency Room, Primary Care, Specialist, Mental Health and Substance Abuse, Imaging, Speech Therapy, Occupational & Physical Therapy, Preventive Care, Laboratory, X-rays & Skilled Nursing Facilities.
Prescription Drugs
By carving out the prescription component of a traditional medical plan, the cost savings can be substantial. Many High Deductible Health Plans (HDHP’s) prescriptions drug benefits are subject to the out-of-pocket maximums of the health plan and can be very troublesome for employees. Our Rx programs can provide basic prescription benefits as well as provide a full "manage care pharmacy solution" to further enhance plan satisfaction and tremendous long term health plan cost savings.
"Prescription Drug" means any medical substance, remedy, vaccine, biological product, drug, pharmaceutical or chemical compound, which can only be dispensed pursuant to a prescription and which is required to bear the following statement on the label: "Caution: Federal law prohibit dispensing without a prescription."
IOneMed
A SIMPLIFIED, UNIFIED EXPERIENCE With iOneMed’s integrated approach, your members benefit from a streamlined experience. Manage all benefits with just one card, with EOBs from just one source. Simpler benefits are better benefits. Three tabs similar to first page with drop downs that include information from iOne med slick.
Large Group
Integrated Insurance Partners is proud to offer innovative large group products which give our agents a competive edge when they are trying to balance employer and employee needs for modern day health plans.
Small Group
Our platform allows small businesses to offer competitive benefits to their employees without the high expense of a Major Medical group health plan. We deliver group rates and underwriting for groups as small as 2 lives.
PreMed Defender
Pre-Med Defender combines a new High Out of Pocket plan with one or more secondary Pre-Med Defender plans with a set coverage year benefit. These plans can have their own deductible for employees including prescriptions.
As its usually written, a Pre-Med Defender secondary plan will cover all of the employee's (including 1099) out-of-pocket costs that are covered under the major plan - both inpatient and outpatient- with no reductions - up until the HDHP kicks in.
1099 and PT Employee Market Place
Integrated Insurance Partners has a customizable Employee market place for employers who want to offer benefits to their 1099 or PT employees. Phone enrollment for employees is available upon request.