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Selecting Primary or Excess coverage:


Primary plan:

Pays covered expenses regardless of other insurance. Ideal for groups with participants that are generally not covered by other insurance. Rates are slightly higher than Excess rates but filing a claim is more convenient as you do not need to show what other insurance has paid. Primary option is not always available. Minimum premium $225.

Excess plan:

Pays covered expenses not paid by other insurance such as co-pays, deductibles and coinsurance. Ideal for groups with participants that are generally covered by other insurance. Rates are slightly lower than Primary rates but filing a claim is less convenient as we need to know what other insurance has paid before we will pay. If there is no other insurance, we will pay same as Primary. Excess option is always available. Minimum premium $175.