REQUEST A QUOTE

Redefining Major Medical

A Modern Twist On Health Insurance

When the majority of Americans consider health insurance, they start by looking at major medical insurance. But there is a better product out there. A defined benefit plan gives you more coverage, little to no deductible, and more add-on options to ensure that you are fully covered, no matter what may happen in life.

Based in Woodstock, GA, Amy Tyler, Life & Health Insurance offers a defined benefit plan that is built around your lifestyle, budget, and family. We strive to show you what makes a defined benefit plan different from normal health insurance. The best way to do that is to compare major medical insurance and defined benefit insurance side-by-side.


A Side-By-Side Analysis


Major Medical Plan

Defined Contribution Plan

Meets MEC Requirements

Unlimited Benefits

High Deductible

Large Co-Pays

Savings go to Insurance Carrier

High Premiums

High Potential for Annual Premium Rate Increases

Defined Benefit Medical Plan

Specific Amount Paid for Specific Event

Does Not Meet MEC Requirements (No tax penalty)

Limited Benefits

Deductible on Hospital Admission Only

No Co-Pays

Savings go to Policyholder

Middle to Low Premiums

Low Potential for Annual Premium Rate Increases

Outpatient Surgery

Deductible Must Be Met

Outpatient Surgery

No Deductible

MRI, Labs, X-Rays

Deductible Must Be Met

MRI, Labs, X-Rays

Immediate Benefit - No Deductible

Doctor Visits

Co-Pays and/or Met Deductible

Doctor Visits

Immediate Benefit - No Co-Pays or Deductible

Prescription Drugs

Rx Co-Pay: $15 Generic / $35 - $75 Brand Name Rx

Rx Co-Pay does not count towards calendar year deductible

Prescription Drugs

Net Rx cost to patient equivalent or better than that of a Co-Pay

Net Rx cost to patient equivalent or better than that of a Co-Pay

Emergency Room

$100 - $1100 access fee plus full deductible must be met for additional benefit

Emergency Room

$400 - $800 benefit up front - $4000 additional if there for accident

PPO Network

Mandatory use by client

PPO Network

Choose Doctor or Hospital

Penalty

Doubles your deductible & Co-Insurance Penalty Applied

Penalty

No Out of Network Penalty

Telemedicine

Some charge fee per use

Telemedicine

Free and Unlimited

Additional Riders Offered

None

Learn More About Your Options

Talk to our broker today about our defined benefit insurance plan and how much of a difference it can make for you.


Amy Tyler, Broker
Get Your Quote Today!
Top