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Welcome to Your Insurance CenterIndependent Contractors and small Business Owners have difficulty locating insurance programs that are available to employees and larger employers. Recognizing this fact, Arts Health of America, has selected an association program that has provides an assortment of health insurance programs. |
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Group Medical Options: |
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| Mini Premier PPO is available to WRT/CDAoA members. There are two plans available; Silver or Gold. The plans are designed with a $250 or $500 deductible, 80% coinsurance in network, and a $20 copay to network doctors then 100%. The network is PHCS and the doctors and hospitals can be viewed by going to the PPO tab in the tool bar above. The plans have an annual benefit limit of $25,000 or $50,000. To add more coverage see below. | |
| Individual Medical: | |
| Catastrophic Medical Plan (Individual Medical). Expand your coverage up to $1M lifetime at 100% coinsurance (in network). This plan has a $25,000 deductible and works great matching up to the Mini-Premier PPO plan, as it reaches its annual benefit limit. Complete your protection by adding this additional layer of protection. It is not guaranteed issue. | |
| Both the plans have a 12-month pre-existing condition clause. Pre-existing conditions would not be covered for the first 12 months of coverage unless you presented a timely credible coverage certificate when you apply (provided from your current or recent medical insurance provider. | |
| Group Dental Option: | |
| AlwaysCare Dental Insurance is available to WRT/CDAoA members. This plan covers exams and cleanings at 100% with no deductible. Routine fillings and procedures are covered at 70% after a $50 deductible. Major services and procedures are covered at 50% after the deductible (a 12 month waiting period applies for Major and Orthodontics are covered after a 24 month waiting period) | |
| Other Insurance Options: | |
| Not everyone wants to participate in the guaranteed issue group options and prefer to design their own individual medical policy. Some contractors may just need a temporary medical solution. What about Life insurance or Supplemental Health Plans? For more information and to apply go to Other Insurance Options. |
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Click on any of the buttons above for more details about our plans |
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The Wholesale Retail and Trade Program (WRTP), offered through Consumers Direct Association of America, can provide your solution. Membership has its privileges.