The HealthSelect Medical Plan is an indemnity-based medical plan that provides limited coverage for accidents, illness, and specified disease. HealthSelect is guaranteed issue and has no deductibles, low $10 physician and specialist visit copays, and offers maternity coverage, even if you are currently pregnant.

The HealthSelect Plans also come with a bundle of valuable bonus services, including TelaDoc telemedicine service, Care24 Nurseline, a ScriptSave prescription drug card, and access to the PHCS national PPO network.

HealthBasic Medical Plans are the perfect insurance solution for small businesses.

HealthBasic offers three coverage levels to fit the needs of small business: Hourly, Salaried/Manager, and Owner. The Hourly Employee Level is a basic limited medical plan at minimal cost. The Salaried Employee or Manager Level is a limited medical plan that covers a majority of needs at a reasonable cost. The Owner Level is a mid-level medical plan at a lower cost than major medical.

The HealthBasic Plans also come with a bundle of valuable bonus services, including TelaDoc telemedicine service, Care24 Nurseline, a ScriptSave prescription drug card, and access to the PHCS national PPO network.

CoreHealth plans are guaranteed acceptance limited medical indemnity plans. They offer office and wellness visit benefits, hospital and ICU benefits, surgical benefits, accident medical expense, emergency benefits, and more.

The CriticalMed Plan provides coverage for ten specified catastrophic illnesses and conditions: Cancer, Heart Attack, Renal Failure, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer's, ALS, Terminal Illness. CriticalMed Plans can be a buy-up option for those enrolled in HealthSelect who are looking for enhanced coverage for catastrophic events, or a stand-alone option for those who are willing to self-pay their day-to-day medical expenses because they are more concerned about major events.

ETMG offers many dental coverage options, both voluntary and employer-paid. The varieties of plans are easily managed and provide effective benefits to groups as well as individuals. More employers are adding dental plans to their benefits packages because they can do so at relatively little or no cost to the employee. Our plans offer robust dental provider networks and high annual maximum coverage limits. Our goal at ETMG is to find the perfect plan for your needs while working to improve the overall plan cost.

Vision care, an essential part of maintaining personal health, is often overlooked as part of a comprehensive health care program. Vision care benefits are inexpensive for employers to offer and are very popular with employees. They are easy to administer and provide employees with important preventative eye care that may significantly reduce future medical claims. Studies indicate that over 75% of the population requires some sort of vision correction for daily activities. ETMG offers affordable vision plans that can save up to 70% off the cost of vision care and correction. Our vision plans can be added as an ancillary product to your group or individual medical coverage plan.

Long-Term Care coverage helps to pay for health and personal services that the insured may need over an extended period of time. Injury, illness, aging, and cognitive impairment can all render a person in need of help with daily activities in order to maintain their independence. Long-Term Care insurance is not just for the elderly. Accidents, illness, and impairment can happen at any time in a person's life, and it is best to be prepared to handle these misfortunes while maintaining independence.

Supplemental Products

In most states, Medicare Supplement plans, also known as Medigap, come in ten plan options, labeled A-N. Each plan A-N has a different set of benefits, but when private insurance companies offer Medigap plans, the benefits must be the same. Therefore, the main way plans can vary is by cost and underwriting requirements. Individuals should choose a Medigap plan with the benefits that best suit their needs, and find the insurance company that offers that plan at the lowest cost available.

Medicare Advantage Plans are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered healthcare through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include Medicare Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), private fee-for-service plans, and Medicare special needs plans.