top of page
Kids Doctor Checkup

Knowledge is Power.

With Crossroads... we design the right and perfect insurance plan and assist you in reforming your own healthcare.

Empower Your Life.png

Defined Benefits Health Plan Features

​

  •  Lifetime Policy Maximum $5 Million
  •  Three Calendar year Maximums: $250K, $500K, $1 Million
  •  Multiple Benefit Levels to Choose from: Value, Preferred, Premier
  • Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits
  • Guaranteed Renewal to Age 65
  • Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K 
  • Annual Premium Increases 3% or less last 6 years
  • Available for Individuals and Groups​​​​​
​

Consumer Driven Health Plan Benefits

Benefits featured are based on 2 units of HCP Gold

and are available with select plans.

Doctor Visits & Pharmacy 

  • Choose your Doctor from All US Licensed Physicians
  • Pays $120 for 18 visits per Insured per calendar year, includes 6 chiro. visits - no Deductible or Copay
  • Pays $150 for 2 Specialists visits per calendar year
  • Generic Drugs $20 per day Brand Name Drugs $40 per day
     

Preventative Wellness Care Benefit

  • ​Benefit starts 60 days after policy Effective Date
  • Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
  • Pays Additional $250 for other Preventative Services per calendar year

Surgery Benefit

  • Pays for Outpatient & Inpatient Surgeries
  • Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
  • Pays Surgeons and Anesthesiologists based on RBRVS code (1x, 2x or 3x)

Hospital Inpatient

  • Hospital per day benefit up to $4,500 for Injury and $3,000 for Sickness
  • Hospital ICU benefit up to $4,500 per day for 20 days per calendar year
  • Optional First Hospital Admission $6,350 Lump Sum - per calendar yr, 24 hr stay required

Accident & Emergency

  • Pays $300 for Urgent or Emergency Care 2 times per year
  • Pays up to $4K of Actual Expenses for up to 45 days from the Accident date
  • Ambulance air or ground pays up to $10K of Actual Expenses
  • Optional Benefit Pays up to $26K of Actual Expenses

Catastrophic Diagnosis

  • Pays Lump Sum Paid upon diagnosis up to $40K per Adult and $10K per child
  • Pays up to $250K Additional of Actual Expenses per calendar year
  • Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant, Renal Failure

Compare plans that

best suit your

needs.

bottom of page