Obama Care Excepted, Fully-Insured
Executive Medical Reimbursement Plan
(U.S. Only)
HR Innovations Catalogue Executive Summary
- A No Frills Distillation of Vendor’s Marketing Collateral Thomas A Ference
President & CEO
Human Resources Mining & Distribution Co
Locating, Validating and Accelerating HR Innovation
Office: 219-662-0201
Cell: 630-240-2583
Fax: 219-661-0236
e-mail: tference@hrmdco.com
Website: www.hrmdco.com
Executive Medical Reimbursement Plan
• This fully insured supplemental medical reimbursement plan is not subject to
health care reform group plan provisions or ERISA rules, so it available for select,
carved-out by classes of employees
• It covers most IRC Section 213(d)-eligible expenses that are otherwise not
covered under primary health plan plus dental, vision, Rx, etc.
• Premiums may be tax deductible to employer and premiums and benefits may not
included in employee’s taxable income (This is not to be considered tax advice.
Consult with a professional tax advisor regarding the tax status of this program.)
• It is underwritten / insured by A+ rated insurance companies
• Additional features include :
-Dynamic underwriting with guaranteed issue (no medical underwriting,
waiting periods or pre-existing conditions limitation)
- Rapid reimbursement of claims, typically 5 to 7 business days
- A Prescription MasterCard® for instant reimbursement of Rx claims
- Navigation to, and priority appointments with, leading specialty physicians
- 24/7 Travel and Medical Emergency Support Services Including Air Evacuation
- Reimbursement toward and coordination of Executive Physicals
Sample Benefit Schedule – High Option
- Per occurrence for medical out-of-pocket costs = $10,00
- Annual family maximum = $100,000
Additional Coverage
Per Covered Person
Dental
$10,000
Vision
$10.000
Counseling
$10,000
Prescriptions
$10,000
Medical Equipment
$10,000
Wellness / Lifestyle
$10,000
Executive Physicals
$10,000
Next Steps
• This product/service is contained in the HR Specialty
Products & Services Catalogue™
• Operational level details about this particular service
provider can be obtained in conference with the vendor
• The HR Mining &Distribution Co. is an independent and
contracted representative of the vendor
• Upon your request, we will arrange for an introduction
that can range from a simple, quick conference call to a
services overview / system demo
• Tom Ference 219-662-0201 (Chicagoland area) or
tference@hrmdco.com
• Thank you for your potential interest in this fresh
thinking