Cost Efficient Plan Designs

The primary objective of any Plan design should be Maximum Cost Control and Maximum Flexibility.

Features	Traditional Plan	Enhanced Plan	Unique Enhanced+ Plan
Routine Dental	up to 80%	90% or 100%	100%*
Prescription Drugs	up to 80%	90% or 100%	100%*
Out of Country Travel	100%	100%	100%
Major Dental	No	50%	100%
Visoncare	No	Optional	100%
Life	Optional	Optional	Optional
Disability	Optional	Optional	Optional
Claim Limit	No Limit	No Limit	To Fixed Annual Limit
Claim Flexibility	According to plan guidelines	According to plan guidelines	Employee directed
Plan Flexibility	Ability to add options or increase protection	Ability to add options or increase protection	Ability to increase limits and switch plans
Cost Control*	Rates re-set annually based on claim history	Rates re-set annually based on claim history	Annual cost is fixed and owner controlled

*With Unique Enhanced Plus Plan you gain absolute total cost control forever by setting an annual maximum claim limit for each employee. The annual limit is chosen from one of 5 levels: $500, $1,000, $2,000-$5,000 and $10,000 (custom limits may be available). You have the flexibility to assign maximum claim limits to different groups of employees, for example senior people get $5,000 while new hires get $1,000. Employees have flexibility to use their annual limit any way that they wish, until they use up their annual limit. Un-used limits can be carried forward and added to next year’s new allocation. Unless, you change the per employee annual claim limit, costs are capped forever.

We are able to further customize the above plans by changing the coinsurance levels and other variable plan options like disability, Dental, Prescriptions Drugs etc.

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