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Certus Health has put together a new health coverage program for Houston families that is not only affordable, but it also gives you health coverage up to $5 million with minimum out-of-pocket exposure.
Our health coverage program is based on the simple premise that health insurance should be what it was meant to be: insurance against only the high cost of catastrophic health events, such as accidents, hospitalizations, surgeries, and treatment for chronic illnesses like cancer. Health insurance was not meant to be pre-payment for "first-dollar" health coverage. In other words, health insurance was not supposed to pay for things like doctor visits and other routine medical costs.
Ask yourself, what if your car insurance started to pay for your tires or for a new alternator? What if your home insurance started to pay for an air conditioning compressor or for a new refrigerator? That's right - your premiums would go way up. Wouldn't you rather just pay as you go for tires, an alternator, an air conditioning compressor, and a refrigerator when you need it? That's what we're proposing for health insurance.
You will get more value out of your health insurance premiums if they are just going towards protecting you financially against a catastrophic health event, than if your premiums were also going towards paying for routine care that you're better off paying as you go. Not only will your premiums be a lot lower, but you will get your money's worth.
Our program is simple and it is made up of four parts.
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Catastrophic or High-Deductible Major Health Insurance - Protect yourself and your family financially against the major medical stuff (accidents, surgeries, hospitalization, cancer treatment, expensive medications, etc.). The premiums will depend on your age, sex, weight, height, where you live, and if and what type of pre-existing medical conditions you have.
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Accident Gap Insurance - Reduce your exposure in case of a catastrophic accident by buying extra coverage that will pay for your major insurance's deductible. Through the Consumer Benefits of America (www.cbaselect.com) we will show you how to reduce your major medical exposure in case you suffer an accident. Premiums do not depend on anything or any medical condition. CBA will simply pay you a fixed amount that you would use to pay your deductible in your major medical insurance. For example, for $35.99 a month, CBA will pay $5,000 everytime anyone in your family suffers an accident - no limits on the number of accidents and you just pay a $100 deductible. You can also buy individual plans and plans that pay anywhere from $1,000 to $10,000 per accident, per person. It's as simple as that.
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Pay wholesale for medications - We have an agreement with Wal-Mart pharmacies to offer you a pharmacy card that will give you 45% off average wholesale price on all generic medications. This card is free to everyone who purchases major health insurance through us. High-deductible major health insurance will pick up the tab for your medications once you reach a certain deductible. Many of you will not use up that deductible, so Certus Health and Wal-Mart have a created this medications savings program to help you save money.
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Pay for routine medical care as you go with doctors and healthcare providers that want your business - We work with various healthcare providers in Houston that want to work with you. They value you as an important client and will give you a very fair price up front so that there will be no surprises. Certus Health and it healthcare provider partners will help you save on sick visits, dental visits, labs, imaging, chiropractors, and wellness. Certus Health will also show you how to deduct from your income taxes routine care expenses and medications using a Health Savings Accounts (HSAs) that goes together with your high-deductible major health insurance.
Ready to become a smart shopper of health insurance and healthcare services?
We're ready to help you. Simply fill out a consultation form with some very basic information about you and your family and one of our licensed healthcare consultants will contact you shortly. There is absolutely no obligation and we promise you will learn some invaluable information about being a smart healthcare shopper.
We are Certus Health – committed to empowering you, the healthcare consumer.
* Certus Health publishes the services and prices that third party providers want to advertise to the public. Certus Health is simply an advertising venue and does NOT negotiate or establish prices for the third party providers. Certus Health does not guarantee the compliance of third party providers with regard to availability, specialties, or cost for the services advertised in this website. |
