Employer Group Plans, Benefits & Services
Our healthcare alliance mission is to organize a healthier community by, bringing employer groups together with the local physician organizations and medical facilities into direct relationships. Our association of healthcare providers
collaborate to provide business with an affordable,
no-deductible healthcare plan.
All our services are bundled to achieve the goals of quality,
satisfaction, and improved access to healthcare services.
These result in a reduction of overall costs for your group
healthcare plan. These efforts result in healthcare plans
employees can use, and employers can afford.
Key Components Include...
• Direct Provider Agreements through various medical partners such as: Accountable Care Organization (ACO), Independent Physicians Association (IPA), Medical Service Organization (MSO) work together to provide high quality, for low-cost access to your physician.
• Third-Party Administrator (TPA) set-up and administrate employer-sponsored health and welfare benefit trust.
• Patient/Physician Cooperatives (PPC) is a licensed, discount, medical organization that works with different medical organizations and vendors to provide a cost-effective healthcare experience.
• Prescription Benefit Management (PBM) is a strategic consumer driven pharmacy program that offers members low prices for prescriptions.
• Association Insurance Policies are community rated insurance policies. These include Catastrophic, Indemnity, and Lump Sum Cancer coverage.
Maximum Value Plan 500
Maximum Value Plan 500 (MVP) is a comprehensive, self-funded, major medical plan providing a co-payment only benefit structure to the beneficiaries of an employer group.
The MVP500 plan includes access to the PPC Network, PHCS Provider Network, Catastrophic Coverage, SimpleSaveRX, Lab Testing, Diagnostic Imaging, Teladoc, and Doc Wellbee discounts for dental, vision, hearing, and roadside assistance.
Minimum Essential Coverage Plans
Minimum Essential Coverage (MEC) Plan is structured to meet your employee’s basic healthcare needs. MEC benefits include access to the PPC Network, PHCS Provider Network, SimpleSaveRX, Lab Testing, Teladoc, and Doc Wellbee discounts for dental, vision, hearing, and roadside assistance. Additionally, you may choose a PPC Provider at $0 co-payment or nominate your current primary care physician for approval with PPC. Finally, you may select the Healthcare Reimbursement Account (HRA) debit card to direct your benefit.
MEC Plus Plan structure and benefits are the same as the above MEC Plan. The MEC PLUS Plan added benefits include Diagnostic Imaging at $0 co-payment at participating imaging centers. Typical services provided are X-Ray, CT Scan, MRI, PET Scan, Ultrasounds, and Mammograms.
Association Insurance Benefits...
Hospital Indemnity Plan
This guaranteed issue hospital plan provides payments for inpatient/
outpatient physician care, facility costs, intensive care, skilled
nursing, substance abuse, and treatment of mental illness, all without
a deductible. Request Summary of Benefits.
Lump Sum Cancer Insurance
Provides a $25,000 benefit upon the first diagnosis of cancer. The cash benefit is a crucial component of the member’s healthcare plan. This allows recovery to
be the sole focus, rather than anxiety and stress over financial
This plan provides an additional $25,000 benefit for breast cancer and supports the Susan G. Komen Foundation. Request Summary of Benefits.
Have peace of mind in the worst situation. PartnerRE stop-loss
insurance is catastrophic coverage that covers 90% of medical and
hospital expenses that exceed $50,000 and up to a maximum of $5,000,000. Request Summary of Benefits.
IUGA Full Service Agency
International Universal General Agency (IUGA) is a full-service
group benefit agency that provides all your employee benefits needs. We
recognize that all healthcare is not created equal. That’s why we work directly
with you to customize the best healthcare plan and services to fit the needs
of your employer group. Investing in your employee’s healthcare needs have a
long-lasting economic effect. Healthier employees lead to a healthier community.
Click IUGA Agency Services below for more information about IUGA services and benefits.