Traditional health insurance, has become un-affordable to most Americans and may not provide the financial safety net that you need. In fact, according to a 2007 Harvard study, 62% of all personal bankruptcies were linked to out-of-pocket medical costs, and of those bankruptcies, 75% had “good” health insurance. The Affordable Health Care Act, was supposed to make healthcare affordable to Americans, instead both premiums and out-of-pocket costs have skyrocketed!
The INOVASHARE Affordable Solution - Typically 1/2 The Cost
INOVASHARE's Health Solution was designed to provide the highest quality protection with the lowest total out-of-pocket costs, at, typically, ½ the cost of traditional health insurance. The INOVASHARE Solution truly delivers affordable health care.
| THE INOVASHARE SOLUTION WITH SEDERA |
TRADITIONAL HEALTH INSURANCE |
| SEDERA HEALTH | |
| Pays medical expenses, no maximum | Pays major medical expenses, no maximum |
| Affordable monthly costs, typically 50% lower | Premiums no longer affordable and skyrocketing |
| Stable monthly cost, increase is rare | Annual rate increases |
| Low up front costs: 3x selected IUA for individuals, 5x selected IUA for family/ year. | Out-of-pocket costs rise every year. 2019: $7900/ indiv., $15,800 /Family Max |
| Teladoc included, no access fee | May be included, usually an access fee |
| No networks, use any provider | Preferred provider networks, penalties for going out of network |
| Second and third surgical opinions with best providers recommended | Only in-network providers recommended |
| Wellness procedures paid 100% | Wellness benefits paid 100% |
| Pre-existing conditions: 36 month lookback, limited sharing first 36 mos. | Pre-existing conditions covered |
| MEDALLUS MEDICAL | |
| Medallus Medical membership, urgent care/primary care, $10 copay per visit | Not included |
| WASHINGTON NATIONAL SUPPLEMENTAL INSURANCE | |
| Cash benefits paid for accidents and hospital stays | No cash benefits paid |
| DENTAL, VISION, PRESCRIPTIONS, ID THEFT | |
| Dental, Vision, prescription discounts | NO |
| Identity protection, including medical records | NO |