Limited-benefit medical plans are designed for those who are not covered by traditional benefit programs and need help with basic, minor-medical expenses. The plans provide basic coverage to help with everyday illnesses and accidents, which are not considered catastrophic events.

Ternian^® offers voluntary, fixed indemnity limited-benefit medical plans that are not subject to the health insurance reform provisions of PPACA. Our range of coverage includes: mini-med, mid-level medical, set-level of catastrophic, gap insurance, and other ancillary benefits.

Why deal with the hassles and uncertainty of the yearly HHS waiver process for annual limits and loss ratio? Ternian can offer employers, brokers, and employees stability in this marketplace.

• Employer Groups
• Franchise/Association Groups of Employers
• Individual Association/Affinity Groups
• Individuals/Direct to Consumer

• Offer to any type of group or industry
• Fixed indemnity plans not subject to healthcare reform (PPACA)
• **NEW** HealthValu: mid-level medical plan
• Plans with NO pre-existing condition limits
• Plans with $10 office visits and prescription copay cards
• CriticalMed^®: catastrophic buy-up options available
• Online healthcare tools and prescription price comparisons
• DirectWeb^®: online administrative, enrollment and plan information portal
• Seamless transition of existing payroll deduction file process

• PHCS - Multiplan PPO physician and hospital provider network
• Teladoc - Doctor visits by phone
• OptumHealth - Care24 nurseline and EAP
• RxEDO - Pharmacy benefit manager for insured plans
• ScriptSave - Prescription savings program for non-insured plans

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