How does the Members Major Medical Plans system work?

It’s simple and fast… members can shop, compare, and enroll in Major Medical insurance online or over the phone with a licensed representative.  We have a dedicated team of helpful, licensed insurance representatives who will not pressure you to buy. Our team is here to help you understand, compare, and strategize your options.

Quote, Compare, Sort, and Apply.  The Members Major Medical Insurance Marketplace will shop top-rated carriers nationwide.

 

Quote:  Insurance carriers include, but are not limited to:

  • Blue Cross Blue Shield (varies per state)
  • Aetna
  • United Health (Golden Rule)
  • Celtic
  • Kaiser
  • Additional regional and state insurance companies

Compare:  PPO, HMO, or Indemnity Plans available on the exchange include:

  • Health Savings Account (HSA) Qualified plans
  • High Deductible (Catastrophic Plans)
  • and more…

Sort:  The Member Major Medical Insurance Marketplace allows you to quickly sort plans by multiple variables, including:

  • Carrier
  • Deductible(s)
  • Price (lowest to highest)
  • Types of plans and more
  • Types of coverage (Prescription, Maternity)

Enroll:

You can enroll online or speak to a licensed insurance representative by phone.  It takes only minutes to enroll with most major insurance companies.

Can I insure just my child(ren)?

When getting quotes for your child(ren) only, enter the child’s gender and birth date in the “Applicant” or first row.  Additional children should be entered below that field in the “Child” rows, but not the “Spouse” field.  However, many health insurance companies require one policy per child.  So if you have more than one child, try entering just the one child to see a larger selection of plans and prices.  You are free to apply for each child separately.

What is the difference between in-network and out-of-network providers?

An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates.  An out-of-network provider is one not contracted with the insurance plan.  Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider.  Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers.