DeductibleAssist provides first-dollar coverage for employees that are currently enrolled in a high deductible health insurance plan and who are financially unprepared to cover the cost of unexpected medical expenses.

The plan provides coverage for an individual’s “gap in savings", up to limits of $2,500, $5,000, or $10,000 per year.

The simple and affordably priced insurance plan provides first-dollar coverage to help supplement an insured’s financial responsibility for deductibles and coinsurance. Coverage limits are designed to closely match the out-of-pocket maximums of an employer’s core health insurance plan. The voluntary benefit helps employers to provide their employees with more comprehensive coverage under a high deductible health plan, without increasing employer premiums.

In addition to the insurance benefits, members will also have access to DoctorNavigator.com. The online price transparency tool helps insured individuals comparison shop for prices of physician services and prescription drugs before services are received. They will also obtain ongoing, pre-negotiated, discounted rates at network providers that range from 10-40% and helps to save money on out-of-pocket medical expenses.

For detailed plan information or to obtain a quote (click here).

Ternian is a national product distributor and administrator for the Accident & Health Division of AIG.