Should I Design My Own Plan?....... (For plan design basics from United Healthcare, click here )
Or, click on logos below and generate custom designed premium/quotes now!
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IQ = Real Time Quoting / SE = Self-Enrollment Available
IQ Instant Quote SE IQ Instant Quote SE
All Markel Plans include....
Call a Dr. from home and get your prescription sent to you or your pharmacy.....
IQ Age Banded Individual Guaranteed Issue SE IQ 3+ Group Guaranteed Issue SE
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WHY DESIGN A PLAN?
Designing a plan with the Revenue Objectives Int'l, LLC (Financial Svcs / Mergers and Acquisitions) gives you the ability to personally choose the key features of your plan which now can include Term, Critical Care, AD&D, Accident, etc. All in one. By doing so, you can create a plan that fits your own individual needs and situation including product continuity throughout your life influences i.e. family, partners, business, employees, taxes, retirement, etc. Simply click on "Health Quotes" if you're ready.
At Revenue Objectives Int'l, LLC (Business Development / Financial Svcs / Mergers and Acquisitions) you can speak with either Senior Specialist James (Jim) Edward Spittler, Sr., BA., JD, CELL # 866.764.7611 / 305.343.0895 or Field Underwriter: Cathy Smith, CELL # 1.866.764.3126 / 305.308.6644 or another experienced plan designer in order to address all of the questions you may have and enable you to design a plan that is right for you.
INDIVIDUAL PLAN DESIGN MAKES FINANCIAL SENSE!
Control Your Costs.
By designing a plan instead of picking one from a list, you will control your costs by choosing the right deductibles and options for you. Every facet of every plan, even the "one size fits all", has a cost associated with each component of coverage. A "one size fits all" style of plan is priced as the sum of its parts. When we design your plan, you will know what each facet of your plan costs and determine for yourself if the cost is worth the coverage for your situation. Individual Plan Design will empower you to control your monthly payments more than any other program on the market today.
Control Your Risk.
If you happen to be in a position where you are comfortable covering some routine expenses yourself, we can design a plan to cover catastrophic events. If you would like many routine costs covered, we can do that, too. At Revenue Objectives Int'l, LLC you are enabled to determine, to a great extent, what you will pay for and what the insurance plan will pay for and understand exposure.
For example, if you are a healthy individual and want to raise your deductible in order to lower costs, but still want first dollar coverage for accidents and injuries...It can be done.
Designing a plan puts you in charge of deductibles, co-pay options, prescription coverage and even out-of-pocket maximums.
We can show you the possibilities!
Know Your Options....
At Revenue Objectives Int'l, LLC, we can show you your options. Let's face it, not everyone is in perfect health. Individual consultation during plan design uses "Field Underwriting" to show you what your options are, depending on health status. If you have a medical condition that is relatively minor, we can include what is commonly referred to as a "Rate-Up". "Rate-Ups" are basically additional costs per month that the insurance company will charge to cover some pre-existing conditions. Including "Rate-Ups" in your plan design can get you covered in many cases. In other cases, a "Rider" may be available. A "Rider" is the elimination of a pre-exisiting condition from coverage and can help a lot of people get their application approved. Please note that "Rate-Ups" and "Riders" are not available for all conditions or in all states. Your plan designer will help you through the process.
Field Underwriting is the Key.
Field Underwriting is the process during which at plan design, your designer will review your medical history with you. We will look at any conditions that you have and discuss which options are available to handle those conditions. Field Underwriting will ensure:
Accurate quotes that include your conditions
Proper assessment and enhance your chances of getting approved for health coverage.
You review products and options that will help you if you can't be covered by a major medical plan due to pre-exisiting conditions.
The bottom line is this:
If we can help you design a plan that fits your needs and budget, we will. If you have conditions that preclude you from major medical coverage, we will help you find valuable benefit options to minimize your financial risk.
Either way, after your program is in place, we will continue to support you with a direct contact to your designer/agent who will assist you in getting the most out of your program. Through ROI, all your Fianacial Products will compliment and synergize with each other and you will understand how and why so that all aspects of your life influences are considered for correct, real time out of pocket exposure limits and sufficient stop-loss clauses are in place.
Not Legal/Accounting Advice The information presented on this Web site is not to be construed as legal advice. Legal advice must be tailored to the specific circumstances of each case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel.