Medical
Plan

Cost

Type of Underwriting

Preexisting Conditions

Tax Deductibility of Premiums

Tax Deductibility of Out-of-Pocket Expenses

Catastrophic Coverage

Doctor Visit Coverage

RX Prescription Coverage

Transitional Medical

$$

Simplified Issue

Not Covered

All

0% unless over 7.5% of adjusted gross income

Yes to the lifetime policy maximums, usually 1 or 2 million

Applied towards deductible

Applied towards deductible

RightStart™ Plan - Limited States

$$

Full

typically not covered for one year

All

0% unless over 7.5% of adjusted gross income

Yes to the annual and lifetime policy maximums

Optional co-pay plan with limited visits

Optional co-pay plan with annual maximums

HSA Plans

$$$

Full

typically not covered for one year

All

100% up to the lesser of you plans deductible or $2,650 for individuals and $5,250 for families

Yes to the lifetime policy maximums, usually 2,5,or 8 million

Applied towards deductible but usually paid for with HSA funds

Optional Discount / Tiered Plan

Major Medical PPO, HMO

$$$$

Full

typically not covered for one year

All

0% unless over 7.5% of adjusted gross income

Yes to the lifetime policy maximums, usually 2,5,or 8 million

Optional Co-pay plan

Optional Co-pay plan