safeguard health plans
Share This
SGH SECURE HEALTH Insurance Plans: Affordable and Flexible Options for Your Health
As the owner of Blake Insurance Group, I understand the importance of finding the right health insurance plan to meet the needs of individuals and families. That’s why I’m excited to introduce SGH SECURE HEALTH Insurance Plans, a comprehensive health insurance option that provides various benefits to help you stay healthy and manage healthcare costs.
Blake Nwosu
Owner & Principal Agent
Understanding SGH SECUREHEALTH insurance Plans
SGH SECURE HEALTH insurance Plans offer various options for healthcare needs and budgets. These include SecureHealth Value, SecureHealth Value+, SecureHealth Preferred, and SecureHealth Elite.
**SecureHealth Value**: This plan is designed for individuals who are generally healthy and do not anticipate needing much medical care. It offers affordable coverage with low monthly premiums and a high deductible. The plan covers preventive care services such as annual check-ups, immunizations, and cancer screenings at no cost. It also provides a pharmacy benefit discount card.
**SecureHealth Value+**: While specific details about this plan are not available in the search results, it can be inferred that it offers more benefits than the SecureHealth Value plan, possibly including more comprehensive coverage or lower out-of-pocket costs.
**SecureHealth Preferred**: This plan suits those who anticipate needing more medical care. It offers more comprehensive coverage with a lower deductible and copays for doctor visits and prescription drugs. Like the SecureHealth Value plan, it covers preventive care services, including routine diagnostic imaging, X-rays, and blood work.
**SecureHealth Elite**: The search results do not show specific details about this plan. However, given its name, it can be inferred that it offers the most comprehensive coverage among the four plans.
All these plans emphasize the importance of using in-network providers to keep out-of-pocket costs low. They also offer telemedicine services, allowing members to consult with a doctor or nurse practitioner from their home.
It’s important to note that the costs associated with each plan can vary based on several factors, including the individual’s health status, age, and location. Therefore, consulting with an independent insurance agent or Safeguard Health Plans is recommended to get accurate cost information.
Features and Benefits of SGH SecureHealth Plans
SGH SecureHealth Plans offer a range of features and benefits designed to help individuals manage their healthcare costs and maintain their health. Here are some of the key features and benefits of these plans:
**Preventive Care**: SGH SecureHealth Plans cover preventive care services, such as annual check-ups, immunizations, and cancer screenings, at no cost to the policyholder.
**Flexible Options**: These plans offer a range of options to meet different needs and budgets. The options include SecureHealth Value, SecureHealth Preferred, and SecureHealth Elite. Each plan offers different levels of coverage and costs, allowing individuals to choose the one that best suits their healthcare needs and financial situation.
**Prescription Drug Coverage**: SGH SecureHealth Plans offer prescription drug coverage, which can help policyholders manage the cost of their medications.
**Telemedicine Services**: These plans offer telemedicine services, allowing policyholders to consult with a doctor or nurse practitioner from their home.
**Access to a Wide Network of Providers**: With SecureHealth plans, policyholders access the nationwide Blue Cross Blue Shield network, which includes many physicians and healthcare providers.
**Online Access to Benefits Information**: Policyholders have secure, 24/7 access to important information regarding their benefits, claims, and eligibility. This includes claims history, explanation of benefits, eligibility, summary plan description, deductible and out-of-pocket accumulators, ID cards, and customer service.
**Cost Management Tools**: SecureHealth plans include tools like SmartShopper®, which rewards policyholders for choosing the most cost-effective care.
**Compliance with PPACA Guidelines**: SecureHealth provides minimum essential coverage for preventative health as required under the Patient Protection and Affordable Care Act (PPACA).
It’s important to note that the specific benefits and features can vary based on the plan level selected. Therefore, it’s recommended to review the details of each plan carefully or consult with an insurance agent to understand what is covered and what is not.
Comparison SGH SecureHealth plans with Traditional Health Insurance Plans
SGH SecureHealth and traditional health insurance plans differ in several ways, including the types of coverage they offer, their cost structures, and their intended use cases.
**Coverage**: Traditional health insurance plans, such as those compliant with the Affordable Care Act (ACA), typically offer more comprehensive coverage. They cover a wide range of services, including preventive care, prescription drugs, and pre-existing conditions. On the other hand, Safeguard Health Plans, particularly the short-term plans like Sanford Safeguard, are designed to provide coverage for a limited duration and may not cover preventive care, prescription drugs, or pre-existing conditions.
**Cost Structure**: Traditional health insurance plans, such as Preferred Provider Organizations (PPOs), typically have higher monthly premiums but lower deductibles and out-of-pocket maximums. This means that while you pay more upfront each month, you pay less when you use healthcare services. In contrast, Safeguard Health Plans like the SecureHealth Value plan are designed for individuals who do not anticipate needing a lot of medical care. They offer lower monthly premiums but higher deductibles, making them more cost-effective for those who use fewer healthcare services.
**Intended Use**: Traditional health insurance plans are intended for long-term coverage and are suitable for individuals who need regular medical care. Safeguard Health Plans, particularly the short-term plans, are designed for individuals who are in between jobs, missed the annual open enrollment window, or lost group coverage. They are meant to be transitional insurance plans, providing coverage for a limited period.
**Access to Providers**: With traditional health insurance plans, policyholders typically have access to a wide network of providers. With Safeguard Health Plans, policyholders also have access to a wide network of providers, including the nationwide Blue Cross Blue Shield network.
It’s important to note that the specific features and benefits of Safeguard Health Plans can vary based on the plan level selected. Therefore, it’s recommended to review the details of each plan carefully or consult with an insurance agent to understand what is covered and what is not.
| Feature/Plan Type | SGH SecureHealth Plans | Traditional Health Insurance Plans (PPO/HDHP) |
|---|---|---|
| Preventive Care | 100% coverage for ACA preventive services | Typically 100% coverage for in-network services |
| Primary Care Visits | $35 copay (Value, Preferred, Elite) | Varies: Lower copay for PPO, higher for HDHP |
| Specialist Visits | $50 copay (Elite) | Varies: Lower copay for PPO, higher for HDHP |
| Prescription Drug Coverage | Discount cards and copays (varies by tier) | Varies: Copays or coinsurance |
| Telemedicine | Included | Varies by plan |
| Monthly Premiums | Value: $69, Preferred: $103, Elite: $147 | PPO: Higher premiums, HDHP: Lower premiums |
| Deductible | Varies by plan (lower for Elite) | PPO: Lower deductible, HDHP: Higher deductible |
| Out-of-Pocket Maximum | Varies by plan | PPO: Lower out-of-pocket max, HDHP: Higher out-of-pocket max |
| Network | PHCS PPO Network | PPO: Network of providers, HDHP: May use PPO network |
| Health Savings Account (HSA) | Not specified | Available with HDHP |
| Flexible Spending Account (FSA) | Not specified | Available with PPO |
| Eligibility | Ages 18-64, dependent children under 26 | Varies by plan |
| Pre-existing Conditions | No exclusions for pre-existing conditions | No exclusions for pre-existing conditions |
Network and Provider Coverage (PHCS PPO Network)
SGH SecureHealth Plans provide access to the PHCS PPO Network, which is a national network of healthcare providers. This network includes over 700,000 physicians and over 6,000 hospitals, ensuring that policyholders can find a participating doctor or facility no matter where they are in the country.
The PHCS PPO Network is the largest independent, nationwide primary preferred provider organization (PPO). It includes more than one million healthcare providers nationwide, including 920,000 practitioners, 4,800 acute care hospitals, and 87,000 ancillary facilities. This network is used by many health insurance companies, providing members with a wide range of treatment providers who offer discounts for services.
Members of SGH SecureHealth Health Plans have the right to choose healthcare providers from the PHCS network, consistent with the terms of their health benefit plans and applicable Federal and State law. They can easily find a participating doctor or facility by searching on the PHCS PPO Network website or by calling the customer service number on the back of their insurance card.
The PHCS Network is accredited for credentialing by the National Committee for Quality Assurance (NCQA), which involves rigorous reviews of provider credentialing and re-credentialing policies and procedures. This ensures that the network is made up of high-quality healthcare providers.
In addition to medical services, the PHCS Network also covers services for many mental health conditions. Many therapists are part of the Multiplan network and accept PHCS insurance to make mental healthcare more affordable for clients.
Eligibility Criteria and Enrollment Process for SGH SecureHealth Plans
To be eligible for SGH SecureHealth Plans, individuals must meet certain criteria. While the specific eligibility requirements can vary based on the plan, individuals generally must be United States residents. Some plans may also have age restrictions or may not cover individuals with certain pre-existing conditions.
The enrollment process for SGH SecureHealth Plans is straightforward. Here are the general steps:
**Choose a Plan**: Review the different plans offered by Safeguard Health Plans and choose the one that best suits your healthcare needs and financial situation.
**Complete the Application**: Once you’ve chosen a plan, you can complete the application process. This can be done online or over the phone. The application will ask for basic information such as your name, address, and health history.
**Review and Submit**: Review your application to ensure all the information is correct. Once you’re satisfied, submit your application.
**Payment**: After submitting your application, you must make your first premium payment. This can be done online or over the phone.
**Confirmation**: Once your application and payment have been received, you’ll receive a confirmation email or letter. This will include your policy number and other important information about your plan.
One of the benefits of SGH SecureHealth Plans is that there are no waiting periods associated with joining. This means that once you’ve enrolled in a plan, you can use your benefits immediately. However, it’s important to note that the specific benefits and coverage can vary based on the plan level selected. Therefore, it’s recommended to review the details of each plan carefully or consult with an insurance agent to understand what is covered and what is not.
The Importance of Health Insurance Alternatives
Health insurance alternatives like SGH SecureHealth Health Plans are becoming increasingly important in today’s healthcare landscape. Traditional health insurance plans can be expensive and not affordable for all individuals or families. In contrast, health insurance alternatives can provide more affordable coverage, making healthcare more accessible.
SGH SecureHealth Plans, for instance, offer a range of benefits and features designed to help individuals manage their healthcare costs. They provide access to a national network of healthcare providers, ensuring that policyholders can find a participating doctor or facility anywhere in the country.
Health insurance alternatives can also offer more flexibility and customization, especially in the choice of providers. They can control costs and reduce overall benefits spending, making them an attractive option for small and mid-sized businesses. Moreover, they can allow employers to offer coverage to non-traditional, low-income, and younger employees.
However, it’s important to note that while health insurance alternatives can provide more affordable coverage options, they may not offer the same level of coverage as traditional health insurance plans. For instance, some alternatives may not cover pre-existing conditions or offer the same range of services. Therefore, it’s crucial for individuals to carefully consider their healthcare needs and financial situation before choosing a health insurance alternative.
🔹 **Join Us as a SGH SecureHealthPlans Agent!**
Are you an insurance agent looking to provide your clients with comprehensive and affordable health coverage options? Look no further! Become a part of our team and offer SecureHealth Plans to your valued clients. Here’s why you should consider partnering with us:
✅ **Wide Range of Options**: SecureHealth Plans offers a variety of coverage options tailored to meet diverse needs and budgets. From SecureHealth Value for the budget-conscious to SecureHealth Elite for those seeking comprehensive coverage, you’ll have various plans to offer your clients.
✅ **Comprehensive Benefits**: Our plans come with a host of benefits, including preventive care, prescription drug coverage, telemedicine services, and access to the PHCS PPO Network with over 700,000 physicians and 6,000 hospitals nationwide.
✅ **Affordability**: We understand the importance of affordability.SecureHealth Plans provides affordable insurance alternatives for individuals and families, making quality healthcare accessible to a broader audience.
✅ **Data-Driven Cost Management**: Leverage our data science-driven approach to manage healthcare costs and negotiate favorable rates with healthcare providers. This ensures that your clients get quality care without breaking the bank.
✅ **Quick Enrollment Process**: Signing up with Safeguard Health Plans is hassle-free. Eligible clients can enroll online or over the phone without waiting periods. They can start using their benefits immediately, enhancing their peace of mind.
✅ **Positive Reputation**: SecureHealth Plans has received excellent reviews from policyholders and ranks highly in customer satisfaction. As an agent, you’ll align yourself with a respected brand known for its reliable service and quality coverage.
By becoming a Secure Health Plans agent, you’ll offer your clients more than just insurance – you’ll provide them with a path to better health and financial security. Join us in our mission to make healthcare accessible and affordable for everyone. Take the step towards becoming a Safeguard Health Plans agent today!
**To learn more and get started, Click on this link https://www.1enrollment.com/agents/signup.cfm?id=344504. Together, we can make a difference in the lives of individuals and families seeking reliable health coverage.**
FAQs about SGH SecureHealth Plans
What are SGH SecureHealth Plans?
SGH SecureHealth Plans are comprehensive health insurance options designed to meet various healthcare needs and budgets. They include different plan options such as SecureHealth Value, SecureHealth Preferred, and SecureHealth Elite.
What types of services are covered under SGH SecureHealth Plans?
SGH SecureHealth Plans cover preventive care services, primary care visits, specialist visits (for Elite plan), prescription drug coverage, and telemedicine services. Preventive care services include annual check-ups, immunizations, and cancer screenings at no cost.
What are the differences between the SecureHealth Value, Preferred, and Elite plans?
- SecureHealth Value: Offers affordable coverage with low monthly premiums and a high deductible. Suitable for generally healthy individuals.
- SecureHealth Preferred: Provides more comprehensive coverage with a lower deductible and copays for doctor visits and prescription drugs.
- SecureHealth Elite: Offers the most comprehensive coverage with the lowest deductible and copays for doctor and specialist visits. Ideal for those with ongoing medical needs.
Are there any exclusions for pre-existing conditions?
No, SGH SecureHealth Plans do not have exclusions for pre-existing conditions. This means that individuals with pre-existing conditions can still receive coverage under these plans.
What is the network for SGH SecureHealth Plans?
SGH SecureHealth Plans use the PHCS PPO Network, which includes a wide range of healthcare providers and facilities. Members can find participating doctors or facilities by visiting the PHCS website.
What are the eligibility requirements for SGH SecureHealth Plans?
To be eligible for SGH SecureHealth Plans, individuals must be between the ages of 18 and 64. Dependent children must be under age 26. The plans are available in all 50 states and Washington, D.C.
How do the prescription drug benefits work under SGH SecureHealth Plans?
SGH SecureHealth Plans offer prescription drug coverage with varying copays depending on the tier of the medication. For example, Tier 1 medications may have a low copay, while higher-tier medications may have higher copays.
What are the monthly premiums for SGH SecureHealth Plans?
- SecureHealth Value: $69
- SecureHealth Preferred: $103
- SecureHealth Elite: $147
What telemedicine services are included in SGH SecureHealth Plans?
SGH SecureHealth Plans include telemedicine services, allowing members to consult with a doctor or nurse practitioner from the comfort of their own home. This can help avoid costly doctor visits and emergency room visits.
How can SGH SecureHealth Plans help manage healthcare costs?
SGH SecureHealth Plans help manage healthcare costs by covering preventive care services at no cost, offering prescription drug coverage, and providing telemedicine services. These features can help avoid more expensive medical treatments and manage the cost of medications.
Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed