our projects

types of coverage

Major Medical

These plans generally have a deductible to meet. Often, after the deductible is met, the insurance will begin to pay toward bills but only at a certain percentage, say 80%. This is your coinsurance. There is generally a maximum out-of-pocket on the coinsurance. This maximum out-of-pocket refers to your costs. So in other words, the maximum out-of-pocket is the maximum you will pay, out of your pocket, after you met your deductible, before your coverage will kick in at 100% rather than 80%.

Sometimes you may have copay benefits with your major medical plan. The copay is the amount you pay at the doctor office at the time of the visit. Not all Major Medical plans have copay. If there’s not a copay, then the insured will pay for 100% of their medical costs, including office visits and prescriptions up to their deductible. One the deductible has been met, the insured will often just pay the coinsurance percentage.

Limited benefit / fixed indemnity

These plans are exactly this… Limited Benefits. They often flaunt a Zero deductible but that’s because it’s offering only limited coverage on the backend. The Insurance company is very well protected with these plans because the maximum benefits paid under these plans is generally capped at about $150,000 or $250,000 per year although they brag about a 5 million dollar lifetime maximum.

snow adventure

winter sports

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forest tours


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