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ValuMed is an expense-incurred medical program that provides limited benefits in a more traditional format. The program is designed only for employees in certain industries without access to medical coverage, including part-timers, hourly employees, as well as irregularly-scheduled, high turnover and/or seasonal employees.

Designed for specific industries* with a minimum of 1,000 eligible lives.

This limited benefit medical plan provides benefits on an expense-incurred basis.

For opportunities best answered with a more traditional plan design.

Utilizes various care and services maximums to better control premium costs.

Each benefit category has a maximum benefit per coverage year.

No deductibles ... no waiting period ... no pre-ex limitations.

Incorporates a non-directed PPO feature.

Offer optional program of Dental and Life & Short-Term Disability benefits. Contact Preferred Care for details.

ValuMed Medical Benefits provide limited coverage in many major areas of healthcare:

Inpatient Benefits: hospital confinement, surgery and anesthesia

Outpatient Benefits:

  • Doctor's visits (Including Wellness)

  • Diagnostic X-ray and Cardiovascular services

  • Laboratory Testing services

  • Surgery

  • Emergency Room visits

  • Ambulance service

  • Prescription Drugs

* ValuMed is available only to: unarmed security guards; home healthcare workers; hotel, restaurant and cafeteria workers; retail and convenience store workers; customer service and telemarketing workers; janitorial and cleaning workers; temporary employment agency workers specializing in multi-functional employment services; agricultural, farm, landscaping, and ranch workers; seasonal construction workers; supermarket workers; and movie theater personnel.

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Medical plans underwritten by BCS Insurance Company, Chicago, IL.

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What is not covered ...

  • suicide or attempted suicide, or any intentionally self-inflicted injuries, while sane or insane;

  • act of war (declared or undeclared);
  • covered person's commission of a felony;
  • covered person's, operating, riding in, or descending from any aircraft, other than while a fare-paying passenger on a licensed, commercial, non-military aircraft;
  • services by an immediate family member or by covered person's employer;
  • mental or nervous disorders;
  • alcoholism or substance abuse;
  • full-time military duty;
  • illness or covered person's related to insured's work;
  • eye or ear examinations, glasses or hearing aids;
  • treatment in a government facility or other facility not unconditionally requiring payment;
  • dental treatments or cosmetic surgery;
  • expenses in excess of any benefit maximum or usual and customary charges; and
  • inpatient doctors' visits and inpatient private duty nursing charges.

This gives a brief description of important features of the benefits plan. Every effort has been made to ensure its accuracy; however, it is not a contract. The contractual terms and conditions of coverage are set forth in the group policy. In the event of a discrepancy, the policy would be the determining factor. The exclusions and limitations described herein apply to residents of most states; however state laws do vary.

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FOR MORE INFORMATION, PLEASE CALL 800-222-3085

    
 

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Preferred Care, Inc.

1300 Virginia Drive, Suite 315

Ft Washington, PA 19034

information@preferredcareinc.net