How the Plans Work

Command Financial specializes in creating and delivering affordable health plan options for accessing quality healthcare. Our latest innovation is the Command Health Plans.

Command Health Plans

The Command Health Plans are Limited Medical Benefit Plans. Uniquely designed as alternatives to high-priced major medical plans, the Command Health Plans provide first-dollar coverage for the essential healthcare people need without big deductibles. That means that you get coverage with your very first doctor visit. There is no need to put off your medical care.

Command Health Plans includes benefits for:

You also qualify for discount prescription and dental care programs at no additional cost.

Why Command Health Plans?

Command Health Plans covers the most predictable healthcare services families typically experience. And best of all, you may choose to go to any doctor or hospital and still get your full benefits. Command Financial is able to offer you insurance to fit your budget because it is a limited medical plan, not a major medical plan. Major medical insurance charges higher premiums necessary to cover large catastrophic claims. If you decide at some point that you want to switch to a major medical policy for catastrophic coverage, you may do so without penalty since Command Health Plans are Qualified Creditable Coverage.

Once you enroll you will receive your membership package including a detailed explanation of your benefits, your Certificate of Insurance and your medical identification cards.

Who is Eligible for Coverage?

The Command Health Plans were created to help the forty-seven million Americans who do not have health coverage today. Through our partnership with the Consumer Assistance Services Association (CASA), we are able to offer these plans to individuals and working people across the country. The Command Health Plans are guaranteed issue, so everyone qualifies regardless of pre-existing medical conditions. All eligible applicants pay the same rate provided you are under age 65 upon enrollment.*

These plans were designed primarily for people who:

• don’t have access to comprehensive major medical insurance
• cannot afford or qualify for traditional major medical insurance
• have catastrophic health insurance plans with very high deductibles

* Primary member and spouse (if applicable) must be at least age 19 and under age 65.

**The AMLI Limited Benefit Medical Plan is a group insurance benefit program.  The group insurance benefits vary depending on the plan selected.  These benefits are provided under the group insurance policy underwritten by the American Medical and Life Insurance Company (Policy Form No. AMLI GRP LM 2007) and is subject to the company’s underwriting guidelines, exclusions, limitations, terms and conditions of coverage as set forth in the insurance policy.   This insurance is not basic health insurance or major medical coverage and is not designated as a substitute for basic health insurance or major medical coverage.  This is a limited medical plan that provides for limitations to the coverage for each benefit.  In some circumstances benefits provided will vary as required by state law and the plan may not be available in all states. The insurer has the right to increase premium rates and has the option to cancel coverage. These plans are offered through CASA (Consumer Assistance Services Association) and require membership in the association.  The association fee as well as the costs for the other benefits will be included in the monthly rates.