21st Century Insurance Wrap Save thousands by filling the gaps on the new affordable group health plans on a voluntary guaranteed issue basis.

Our program will reduce the medical cost for employees and dependents with high or expected medical expenses on a voluntary basis!

Wrap Supplemental Insurance Can Include: Assignment of Benefits to Providers 100% Coverage for most Doctors Visits 100% for Minor Surgeries 100% of  Routine Maternity Costs Wallet Savers to Negotiate Non-Network Bills Unlimited Number of Prescriptions Same Benefits Regardless of  Network Use Outpatient Diagnostic, X-Ray & Lab Vision Discount Plan Including Lasik Smart Savings offers Name Band Discount using Ticketmaster, Budget, AMC Theaters, Dell, HP, Apple, PetSmart, Barnes & Noble and lots more. Extras Options: Catastrophic Health Plans Based on State Dental Plans that Cover Pre-existing Needs Accident Insurance for Children & Adults Critical illness up to $250,000 Life Insurance for you and your family

This site was designed to illustrate the fundamental and strategic benefits of how health coverage will be offered in the years to come. Our concept lowers overall costs both on premiums and medical expenses when accessing care. Instead of no coverage until a high after-tax deductible or co-pay is paid, employee's most common expenses will be paid in full using a supplemental indemnity plan, followed by a possible corridor expense and then full coverage using a catastrophic unlimited medical plan. Statistically, 86% of employees use only 20% of health care expenses and many go uninsured based on cost. Healthcare reform states all plans will have $6,000 per person and $12,000 per family of out-of-pocket costs each year. Governmental subsidies will bail out some low-income employees, but even at 100% of the Federal Poverty level an employee is expected to pay $2,000 in medical costs. How will you afford to pay the high premiums and fund the after-tax deductibles and co-pays?   This site is for employees offered group health plans. Employers with part-time employees or employees not offered employer sponsored health benefits should go to www.21stCenturyHealthInsurance.com to learn about our stand-alone benefits plans that can cover on a direct bill, voluntary basis. After registering, you will see the benefits offered to your qualified employees. An employer must agree to endorse this program and allow us to communicate with employees before enrollment can take place. An employer does not have to pay any costs but we recommend pre-tax deductions to reduce taxes for employees and the company. As an alternative, we can direct bill all participants through automatic check withdrawal. Each employee will receive both written and online access to the plans offered. Please call if you have any questions after reviewing the site. As a gift for employees considering our program we will offer a vision discount plan where you can buy glasses for as low as $25 and access to the Smart Saving Marketplace. CLICK HERE TO SEE OUTLINE OF OPTIONS & BENEFITS Video On Bundling Plans Please complete the following for access to all the value added programs. First Name * Last Name * Company* Other ADF   Street Address City   Zip Telephone Number * Email Address * * Required Fields