How To get Your Best
Health Plan Quotes

Summary: Requesting A Health Plan Proposal

How do you request a health insurance quote and a fitness culture plan proposal?

Ideally, you have reached this point 60 days, but at least 30 days, before you need to have a new health plan in place. It will not take us that long to develop and implement the best plan for you. But, you may want time to do your due diligence, to satisfy yourself that the fitness culture and the comprehensive wellness assistance plans we advocate make sense and will work for you.

If your time frame to implement a plan is shorter, then we need to expedite the process. You should assemble and send us the information needed and request a quote and proposal. Then, you can proceed with your investigation of our program while we build your best plan.

For An Employer Group:

Group health insurance plans deal with multiple families, who have diverse health histories and conditions. They also spread risks with larger member pools.

Our program is unique because group insurance, although the centerpiece, is only one part of our multi-component total health and wellness program. This total program will help you build an employee "fitness culture" that reduces employer cost and responsibilities while promoting employee satisfaction, capabilities and productivity.

Underwriting rules and statutory requirements for groups are different, depending on the group size and on the state in which the insured is located. Two or more people can qualify for group insurance. Underwriting requirements tend to break small groups into the categories of 2 - 9, 10 -50 and 51 up to several hundred or several thousand, depending on the insurance carrier.

To begin the process of getting a group insurance quote and an Employer Fitness Culture Plan proposal, go to our Guide For Group Quote and follow the instructions. To request a group quote, go to the Employer/Group Health Plan Request for Proposal then complete an Employer Profile Form, and a Group Fitness Culture Plan Request for Proposal.

In addition, each employee or group member will need to complete and submit a Group Member Enrollment Application.

When you get a proposal you like, you can accept with the Employer/Group Proposal Acceptance Notice.

A Low Cost Employer Alternative

A Fall, 2008 survey of small businesses found that 43 percent of employers without employee health benefits said they could not afford it. 59 percent of employers without health benefits said they could only afford less than $100 per month. They had not found anything in that cost range.

Here are two low, low cost alternatives for employers to consider. First, offer our Fitness Culture Service Programs for Prevention and for Affairs Management as employer-paid benefits. The combined cost for the Medical Self Care Plan, plus the Total Fitness Plan and the Patient Care Advocacy Plan will be well under the low cost budget. Submit a Group Fitness Culture Request For Proposal.

Second, sponsor a pseudo (almost, but not quite) group health plan that would be available at employee expense, but paid through employer payroll deduction. We offer a limited medical plan for that purpose. Also, employees could have the option to set up high deductible health plans in conjunction with a Health Savings Account. As employer, you could contribute to employee HSA’s for any additional offset you wish to make toward employee healthcare expenses.

To begin the process of getting a quasi-group health plan quote and an Employer Fitness Culture Program proposal, go to the Guide For Employer Group Quote and follow the instructions to describe the programs you want. No cost, no obligations.

For An Individual:

Getting an individual insurance quote is simple and fast. Go to our Fitness Culture Health Insurance webpage for personal and family plans at Individual Quote Request Form. Indicate whether you want Permanent Insurance (a year or longer) or Short Term Insurance (one month to twelve months). Complete and send the personal quote request to tell us what you want. No cost, no obligation.

You can also request quotes for individual membership in the Medical Self Care Information Plan, in the Total Wellness Fitness Program, and in the Patient Care Plan, all of which contribute to our Total Health and Wellness Program. Request a Personal Fitness Culture Services Quote.

When you get a proposal you like, you can accept the proposal by completing and sending the Personal Health and Fitness Plan Quote Acceptance Form.

For A Family:

Getting a family health insurance quote can be fast, but it is more complex than an individual quote. It involves more people and more health issues. For instructions, go to our Fitness Culture Health Insurance webpage for Guide for Family Plan Quotes, to get a quote. Follow the guide to send your quote request. Indicate whether you want Permanent Insurance (a year or longer) or Short Term Insurance (one month to twelve months). Complete and send the Quote Request Form to tell us what you want. No cost, no obligation.

You can also request quotes for family membership in the Medical Self Care Information Plan, in the Total Fitness Program, and in the Patient Care Plan, all of which contribute to our Total Health and Fitness Culture Program.

Go to our Personal Fitness Culture Request For Proposal Page. Complete and send the Request Form to tell us what you want. No cost, no obligation.

When you get a family proposal you like, you can accept the proposal by sending the Personal Health and Fitness Plan Acceptance.

Other Types of Health Related Plans:

For additional health-related insurance programs, the Individual or Family Quick Quote page will also help you request information or a quote on:

• Employee-Paid Limited Health Plan Affordable "quasi-group" limited benefit plans for employees without access to an employer paid plan. Some group-similar features;

• Impaired Risk Individual Insurance Limited coverage plans for persons who have pre-existing medical conditions that make them ineligible for major medical insurance;

• Short-Term Individual Health Insurance Between jobs, waiting for group coverage, laid off, on strike, benefits terminated, COBRA alternative, college graduate awaiting job start, early retiree awaiting Medicare;

For information on these personal plans, go to

Personal Health Insurance Considerations.

WARNING: NEVER CANCEL YOUR CURRENT INSURANCE UNITIL REPLACEMENT COVERAGE IS APPROVED AND IN PLACE.

If you have any questions or need additional information, Contact Us.