MIT Cost Saver

New Health Plan Alternative for PHCC Member Firms

At a time when health insurance rates have skyrocketed to their highest level, Trade Select, Inc., has identified a new alternative that members should take note of.

We know employers struggle with trying to balance health benefits and cost. From the lowest cost limited benefit plan to the most comprehensive benefit plans, Allied can provide a cost/benefit combination that’s right for your group.

With the Cost Saver limited benefit plan, you’ll find three great low cost options with the essential benefits employees want and need the most, including an Office Visit Copay, ER coverage and Prescription Drug Card.

Designed for the small and medium-sized group market, Cost Saver is a unique health plan alternative for employers faced with out of control costs of group health insurance.

Cost Saver is much more than an employee voluntary mini-med product that pays only minimal benefits. It is an employer sponsored group plan based on a traditional PPO style product. The PPO discounts provide additional value by reducing an insured’s out-of-pocket costs.

In addition to Cost Saver, Allied also offers Cost Saver Plus Major Medical plans, which may be offered to various classes of employees and management within a firm. Also featured are high deductible health plans that can be used for Health Savings Accounts or Health Reimbursement Arrangements.

For comprehensive benefits, there is an array of plans available to fit your budget - now and next year. Within these plans, you can choose from many levels of Copays, Coinsurance and Deductibles to create a plan that easily fits your group’s benefit and premium desires.

Administered by the Allied National Company, the program is fully insured by the American Alternative Insurance Corporation, an A.M. Best “A+” (Superior) company. It has been approved for sale in the State of California and has several unique features including:

• A choice of two PPO provider networks (FirstHealth or InterPlan), each featuring very large networks of hospitals, physicians and clinics in the State of California.

• A selection of four plan designs which feature numerous benefit options that allow for a customized benefit offering for groups of 2 – 50 employees.

Trade Select is an appointed agency for the Allied National Company and can provide members of PHCC a quick quote for coverage as well as assistance in enrolling into the program. Members of PHCC may also qualify for an association discount, which can amount to as much as a 20% savings in premium rates.

Contact Peggy Hall at 1-800-700-4704 for more information on the new Allied National group health insurance program for members of PHCC.