Kids Doctor Checkup

Knowledge is Power.

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

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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

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