Accident, Sickness and Hospital

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Accident, Sickness & Hospital

Accident, Sickness and Hospital plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges.

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What is Accident, Sickness & Hospital Insurance?

Accident, Sickness and Hospital plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Accident, Sickness and Hospital plans are also referred to as "fee-for-service" plans. A very common substitute for health coverage that guarantees your acceptance and can get your coverage started immediately.

How does an Accident, Sickness & Hospital plan work?

Under an Accident, Sickness and Hospital plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician. An Accident, Sickness and Hospital plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement. Many Accident, Sickness and Hospital plans give you benefits outright, meaning that coverage starts on the first dollar of your first claim submission, effectively helping you get coverage at your doctors, hospitals, and medical facilities, starting immediately upon your plan going into effect.

Rarely will you be required to pay an annual deductible before the insurance company begins to pay on your claims, but this may occur in some instances. However, once your deductible has been met for that medical service, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.

An Accident, Sickness and Hospital plan may be right for you if:

You're looking for the greatest level of freedom possible in choosing which doctors or hospitals to visit
You don't want to designate primary care physicians or get referrals to specialists
You want to freely visit any physician you choose

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Contact Information

Millennium Health Advisors

Address: 3111 N University Dr Ste 608, Coral Springs, FL 33065

Email: support@millenniumhealthadvisors.com

Phone: (855) 706-3192

At Millennium Health Advisors, we are strongly committed to protecting your privacy. We do not sell, trade, or give away your personal information without your permission, and we respect your choices about whether and how to receive marketing messages from us. By contacting us you authorize that you will be contacted by a licensed insurance agent in your applicable area.

MillenniumHealthAdvisors.com is operated by LBW Insurance Agency, which is an independent broker and is not a federal or state insurance Marketplace or other agency website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by LBW Insurance, LLC, a licensed insurance agency, NPN #19762895. Invitations for application for health insurance are made through LBW Insurance, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. LBW Insurance's license information can be found at https://www.millenniumhealthadvisors.com/licenses.html.

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which LBW Insurance, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear.

MillenniumHealthAdvisors.com is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov.