Advantages

Healthcare costs continue to rise resulting in run-away health insurance premiums and employers and associations continue to search for quality insured healthcare benefits for employees and members.

Until recently employers have traditionally paid the greater share of health insurance premiums in the U.S. Today more of the costs are falling on the shoulders of working Americans causing many people to lose their health insurance coverage.

Our workforce has evolved as full-time employees are increasingly joined by contract, temporary, hourly and part-time workers. In this environment employers need effective ways to control benefit costs and provide affordable health coverage that all of their employees want and need.

Command Financial has designed cost-effective Limited Medical Benefit Plans to deliver affordable first-dollar coverage for employees who may not have access to traditional employee benefits and are unable to afford or qualify for independent major medical plans. These plans help employers contain costs and still enable them to recruit and retain valued employees.

These same benefits are available to association members creating higher retention and true value in membership.

Command Health Plans assists employers and associations with meeting HR challenges

• Improve Employee/Member Recruiting and Retention
• Avoid Contribution Requirements
• Create Cost-Effective Employee/Member Benefits
• Reduce or Eliminate Administration
• No Census Requirement - Easy to Quote
• No Complex Participation Requirements
• No Required Meetings - Enrollment via Call Center and Web
• National Availability
• Qualified Creditable Coverage
• Flexible Billing Options: Premiums can be Direct Billed to the
   Employee/Member or List Billed to the Employer

Advantages for the Employee / Insured

• No Medical Exam Required
• Portable Coverage
• Pays First Dollar Benefits
• No Confusing Co-Pays or Deductibles to Meet*
• Unisex Four Tier Rates - Does Not Increase with Age
• No Network Provider Participation Required
• National PPO Network Included for Increased Savings
• Pays in Addition to other Insurance You May Already Have
   (No Coordination of Benefits required)
• Easy Enrollment via Telephone or Web

* Annual deductible for Medical Accident Benefit may apply.