Please browse this page to find out about the plans that we offer. You will find a Plan Comparison Charts, Eligibility Details, MultiPlan Discount Provider Network Information, National Congress of Employers information, and more.
To view the brochure version of this information, please use this link- Brochure
The Limited Medical Plans are available in the following states: AL, AR, AZ, DC, DE, FL, HI, IA*, ID*, IL, LA, MO, MS, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA*, WI, WV, WY
Carrier approval is currently pending in the following states: IN, MD, NC, ND, UT
*Availability through Unified Life Ins. Co.
COREVALUE Medical brings you the best aspects of a defined benefit medical program with benefits like these
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Preventive Care/ Wellness
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In-Patient Hospital Stays (Confinement)
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Maternity
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Doctor’s Office Visits
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Lab and X-Ray
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Accidents
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Mental Health
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Surgery/ Anesthesia (Inpatient and Outpatient)
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Medical Discount Card
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Rx Discount Card
And one of the best features of the COREVALUE Medical plans… NO LIFETIME BENEFIT MAXIMUM!
Which plan is right for you? Check out the chart below to compare the benefits of each plan and choose your coverage!
NATIONAL CONGRESS
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CoreValue 300 |
CoreValue 500 |
CoreValue 750 |
CoreValue 1000 |
CoreValue 1000 MAX |
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| Prescription (4-Tiered Rx) Click Link For More Details |
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| Tiered Dental Click Link For More Details |
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| Tiered Vision Click Link For More Details |
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| Car Rental Savings | |
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| Floral Savings | |
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| Magazine Subscription Savings | |
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| Hotel Savings |
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| Amusement Park Savings | |
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| Movie Ticket Savings |
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| Vacation Resort Savings | |
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| Member E-Shopping Online Savings | |
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| Auto Maintenance Savings |
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| Moving and Storage Savings | |
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| Gift Basket Savings |
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| Boca Java Savings | |
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| Reebok Discounts | |
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| We Care Credit Restoration Savings |
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| Fitness | |
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| Diabetic Supply Savings | |
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| Medical Records Software | |
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| Holistic Care Savings | |
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The Dental, Vision, and Rx Consumer discount plans are not available in the following states: AK, MT, ND, OK, SD, and VT and (Dental and Vision) are not available in FL.
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BENEFIT DESCRIPTION |
CoreValue |
CoreValue |
CoreValue |
CoreValue |
CoreValue |
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Doctor's Office Visit: The carrier will pay the benefit shown if you incur charges for and require a doctor's visit due to injuries received in a covered accident or due to a covered illness. |
Per Visit Maximum Visit |
$50 3 |
$50 3 |
$50 3 |
$75 3 |
$75 5 |
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Preventive Care Test: The carrier will pay the benefit shown if you incur charges for and have one of the preventive care test listed in the policy's certificate schedule. |
Per Test Maximum Visits |
$50 1 |
$50 1 |
$100 1 |
$150 1 |
$150 1 |
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Diagnostic, X-Ray and Laboratory Tests: The carrier will pay the benefit shown if you incur charges for diagnostic, x-ray, and/or laboratory testing caused by a covered accident or illness. |
Per Day Maximum Visits |
N/A |
$50 2 |
$50 3 |
$75 3 |
$75 5 |
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Inpatient Hospital Confinement: The carrier will pay the benefit shown if you incur charges for and are confined in a hospital due to injuries received in a covered accident or due to a covered illness. |
Per Day Maximum Days |
$300 30 |
$500 30 |
$750 30 |
$1000 30 |
$1000 30 |
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ICU/CCU: The carrier will pay the benefit shown if you incur charges for and are confined to an intensive care/ critical care unit due to injuries received in a covered accident or due to a covered illness. |
Per Day Maximum Days |
$500 10 |
$750 10 |
N/A | N/A |
$1000 5 |
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Surgery and Anesthesia: The carrier will pay the benefit shown if you undergo a surgical procedure due to a covered accident or illness. The procedure must be performed by a physician and require anesthesia administered by a licensed anesthesiologist or certified registered nurse anesthetist (CRNA). Reimbursements are based on the Medicare/RBVS benefit schedule. |
Surgery is a % of Surgery Benefit RBRVS* Annual Max, |
50%
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70%
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80%
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80%
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100%
Unlimited |
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Anesthesia is a % of Surgery |
20% |
20% |
20% |
20% |
20% | |
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Accident (Unforeseen Incident)****: The carrier will pay the benefit shown if you incur charges due to injuries received in a covered accident. |
Annual Deductible Coinsurance Annual Maximum |
$100
$1000 |
$100
$2500 |
$100
$2500 |
$100
$5000 |
$100
$5000 |
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Inpatient Mental Health: The carrier will pay the benefit shown for each day of confinement, to a maximum of 60 days, if you are confined to a hospital or licensed institution to provide treatment for mental illness. |
Per Day Maximum Days |
$150 60 |
$250 60 |
$375 60 |
$500 60 |
$500 60 |
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Outpatient Mental Health: The carrier will pay the benefit shown if you receive treatment as a result of mental illness. |
Per Visit Maximum Visits |
$25 20 |
$25 20 |
$25 20 |
$25 20 |
$25 20 |
| Inpatient Substance Abuse: The carrier will pay the benefit shown for each day of confinement, to a maximum shown, if you are confined to a hospital or licensed institution to provide treatment for substance abuse. |
Per Day Maximum Days |
$150 60 |
$250 60 |
$375 60 |
$500 60 |
$500 60 |
| Outpatient Substance Abuse: The carrier will pay the benefit shown if you receive treatment as a result of substance abuse to a maximum shown. |
Per Visit Maximum Visits |
$25 20 |
$25 20 |
$25 20 |
$25 20 |
$25 20 |
| MEMBER MONTHLY RATE*** | $160.75 |
$208.18 | $220.42 | $264.52 | $308.53 | |
| MEMBER & SPOUSE MONTHLY RATE*** | $262.59 | $357.46 | $381.93 | $470.13 | $558.15 | |
| MEMBER & CHILDREN MONTHLY RATE*** | $242.22 | $327.60 | $349.63 | $429.01 | $508.21 | |
| FAMILY MONTHLY RATE*** | $333.87 | $461.95 | $494.98 | $614.05 | $732.87 | |
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Did you find a plan that meets your needs? |
ENROLL NOW! | |||||
*RBRVS is the methodology used by the Federal Government to determine benefits payable under Medicare.
**These limited benefits plans are underwritten by American Medical and Life Insurance Company and are subject to the company’s underwriting guidelines, exclusions, limitations, terms and conditions of coverage as set forth in the insurance policy and certificate issued which include a pre-existing condition limitation and other restrictions. This insurance is not basic health insurance or major medical coverage, and is not designated as a substitute for basic health insurance or major medical coverage. This is a limited medical benefits plan that provides benefits with limits defined by covered type of medical care or procedure. The limitations are disclosed in the certificate of coverage which is a part of the member kit made available shortly after completion of enrollment.
There is no coverage for pre-existing conditions for a continuous period of 12 months following the effective date of coverage under these limited benefits plans for which medical advice, diagnosis, care or treatment was recommended or received from a physician within a 6 month period preceding the effective date of coverage of the Covered Person.
The pre-existing condition exclusion does not apply to the following situations: (1) genetic information in the absence of a diagnosis of the condition related to such information; (2) a newborn child who is enrolled in the plan within 31 days after birth; (3) a child who is adopted or placed for adoption before attaining 18 years of age and, as of the last day of the 31-day period beginning on the date of birth, adoption or placement of adoption, is covered under creditable coverage; (4) an individual, and any dependent of such individual, who is eligible for a federal tax credit under the Federal Trade Adjustment Assistance Reform Act of 2002 and has three months or more of creditable coverage.
The pre-existing condition exclusion can be adjusted if the covered member was previously covered under creditable coverage and only if that creditable coverage was terminated less than 63-days prior to the effective date of the covered member’s coverage under the limited benefit plan policy. The prior creditable coverage must be terminated for consideration to be applied toward the pre-existing condition exclusion.
Certain provisions of the CoreValue Medical plans may vary by state.
***Monthly rates inclusive of administration and association fees. Rates do not include a one time $75 enrollment fee.
Please Note: The limitations are disclosed in the certificate of coverage which is a part of the applicant kits which are made available shortly after completion of enrollment. If you wish to join the association and purchase the NCE benefits package that does not include the Limited Medical Benefits provided by AMLI, please call 888-633-5084.
****The accident benefit is not available in Texas.
ELIGIBILITY
- NCE dues paying members between ages 18 and 64 (if applying as a couple, both you and your spouse must be under 65) and dependent children under the age of 19.
- Member's unmarried dependent children with proof of full time student status between the ages of 19 and 25.
- Members not in full-time service of the Armed Forces (military).
- Members not eligible for Medicare.
- Members that are legal residents of United States.
- Members not receiving disability benefits or Worker's Compensation.
ENROLL NOW! (BACK TO TOP)
MultiPlan Discount Provider Network
In Addition to our great defined benefit coverage, we also utilize America's largest PPO network, the MultiPlan network. By utilizing the MultiPlan PPO Network, you will enjoy significant savings for hospital and physician services. The MultiPlan Network is a national PPO network. It provides plan participants a choice of providers at discounted rates. Since 1980, MultiPlan has been making participating providers available to plan members with some 4,300 acute-care hospitals, 103,000 ancillary facilities, and 550,000 practitioners participating from all states. Finding a provider is simple! Just click the link below to search hospitals, physicians, and facilities.
Search MultiPlan (BACK TO TOP)
National Congress of Employers
NCE is a national association dedicated to advocacy, education and offering accessible membership programs, some of which include limited medical insurance benefits and other membership features.
The NCE was established in 1996 to improve its member's quality of life through education to enhance their health, lifestyle, and overall well being.
NCE members join together in order to take advantage of "Group Buying". The NCE has offered members proven ways to save money on a variety of consumer goods and services. By putting the "Power in Large Numbers" philosophy into action, NCE uses the buying clout of its entire membership to negotiate the best price available for each individual member.
NCE has recently partnered with Insurance Brokers Network, Inc. (IBN) to offer the CoreValue Medical plans, a series of Consumer oriented limited medical benefit plans that include valuable NCE consumer and lifestyle discounts as well as discounted medical plans!
NCE members will have the option of taking advantage of the competitive plan benefits and rates of the CoreValue Medical plans.
We invite you to learn more about the association membership plan programs!
Please see our Association section for further details on the NCE and CoreValue Medical partnership.
NCE Benefit Details:
- This plan is accepted at over 50,000 participating pharmacies nationwide. Simple visit a participating pharmacy, present your membership card an pay the pharmacy directly. To access a list of pharmacies, go to Pharmacy Search
- Tier 1: Drugs at up to a $10.00 maximum cost
- Tier 2: Drugs at up to a $20.00 maximum cost
- Tier 3: Drugs at up to a $50.00 maximum cost
- Tier 4: All other drugs are available for your benefit at negotiated rates
- To search for drug category go to Drug Search
(Return to Association Chart)
Tiered Dental Program by Dental Directory Services (DDS), A Multi-tiered dental fee-for-service program
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Tier 1
- At select participating schedule (A) Tier 1 general practitioners across the country, you will receive a no-charge exam and x-rays in conjunction with a paid annual cleaning.
- Visit Dental Provider Search to search for providers.
- Participating providers abide by a fee schedule of fixed payments for most procedures.
- Fixed-schedule procedure rate savings are 25%-60% on dental care as compared to the American Dental Association.
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Tier 2
- In the event a schedule (A) Tier 1 provider is not available in a given area, a secondary provider is given to member that still provides 20%-60% discounts but does not provide a free exam.
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Tier 3
- In the event a Tier 1 or Tier 2 provider is not available in your area, member will call customer service for assistance in accessing a Tier 3 provider which will provide them a discount.
Tiered Vision Program by Quality Vision Network (QVN)
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Tier 1
- At select participating vision outlets, a no-charge eyeglass vision exam is available once annually for every family member.
- Visit Vision Provider Search to find participating providers
- Prescription must be filled by the provider performing the no-charge exam if glasses are required.
- You will also receive discounted rates of 10%-50% on eyeglasses, non-prescription sunglasses and contact lenses (excluding disposables) at participating independent and retail optical locations nationwide. Most frames, lenses and specialty items are available
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Tier 2
- At participating independent and retail optical locations nationwide, you will receive a10%-50% discount on eyeglasses, non-prescription sunglasses and contact lenses (excluding disposables). Most frames, lenses and specialty items are available.
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Ophthalmology & LASIK Features
- Save 20%-60% on medical eye exams and surgical procedures including LASIK at participating ophthalmology locations.
(Return to Association Chart)
So why choose COREVALUE Medical?
- Guaranteed Issue to Individuals and Their Families
- Stable Rates
- First Dollar Coverage (No Co-Pays)
- Portable
- Assignable Benefits
- Pre-Existing Conditions Accepted with a Certificate of Creditable Coverage
- Associated with MultiPlan
- Five Different Levels of Coverage
(BACK TO TOP)
The Limited Medical Plans are available in the following states: AL, AR, AZ, DC, DE, FL, HI, IA*, ID*, IL, LA, MO, MS, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA*, WI, WV, WY
Carrier approval is currently pending in the following states: IN, MD, NC, ND, UT
*Availability through Unified Life Ins. Co.
Page Updated 05/15/2012.