Agent Tools
Agent Tools
Request a Group Quote
For a Group Quote for Health and other Employee Benefits, please fill the online form below. We will then assist you in preparing quotes and determining solutions that best fit your clients’ needs.
Or, if you prefer, you can access and download our Census form below. Once complete, send the form to our office at fred.joyner@cbainsure.com.
Group Self-Funding & Level Funding – The CBA Advantage
Give your clients more control over the benefits they offer, and more savings in benefit costs.
CBA has several self-funding partners/plans available to you and your clients with multiple plan designs and price points, including Referenced Based Pricing (RBP) options, to help your clients make the move to level/partial self-funding for their group benefit plans.
Note: Your clients must have 20+(NC) and/or 10+(SC) employees to qualify for self-funding or level-funding plans. Consider a fully-funded plan if your client does not meet criteria.
2020 Plan Highlights – IHC Individual Products
All are online Quoting & Enrollment
Short Term Health Insurance
(3 Products with Options)Temporary Health Insurance for up to 364 days (varies by state).
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 65).
Supplemental Hospital Insurance Plan (SHIP)
With Optional BenefitsIssue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
FUSION – Hospital Indemnity Packages
Helps protect against larger expensesFusion allows you to pair hospital, surgical and critical illness fixed insurance benefits with a Fusion STM short term health plan.
Issue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
METAL GAP 2 – Gap Health Insurance
Closes gaps in health coverageBundled insurance benefits which include: Accident Medical Expense; Accidental Death and Dismemberment; Critical Illness.
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 70).
Bridge Accident and Critical Illness Insurance
Bridge can help clients get better, without going bankruptIf a client has an accident or is diagnosed with a critical illness, the last thing they want to worry about is money.
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 70).
Care Access Plans
Hospital Indemnity InsuranceIssue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
Individual Dental Insurance
PPO & Indemnity PlansDental Insurance for individuals & their family.
Issue Ages 18 and older, including Seniors 65+
Health Discount Program
Prescriptions, telemedicine & moreVarious health and wellness services greatly discounted.
Issue any age.
2020 Plan Highlights – IHC Individual Products
All are online Quoting & Enrollment
Short Term Health Insurance
(3 Products with Options)Temporary Health Insurance for up to 364 days (varies by state).
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 65).
Supplemental Hospital Insurance Plan (SHIP)
With Optional BenefitsIssue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
FUSION – Hospital Indemnity Packages
Helps protect against larger expensesFusion allows you to pair hospital, surgical and critical illness fixed insurance benefits with a Fusion STM short term health plan.
Issue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
METAL GAP 2 – Gap Health Insurance
Closes gaps in health coverageBundled insurance benefits which include: Accident Medical Expense; Accidental Death and Dismemberment; Critical Illness.
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 70).
Bridge Accident and Critical Illness Insurance
Bridge can help clients get better, without going bankruptIf a client has an accident or is diagnosed with a critical illness, the last thing they want to worry about is money.
Issue Ages 18- 64+11mths (policy terminates when insured reaches age 70).
Care Access Plans
Hospital Indemnity InsuranceIssue Ages 18- 64+6mths (policy terminates when insured reaches age 65).
Individual Dental Insurance
PPO & Indemnity PlansDental Insurance for individuals & their family.
Issue Ages 18 and older, including Seniors 65+
Health Discount Program
Prescriptions, telemedicine & moreVarious health and wellness services greatly discounted.
Issue any age.
Short Term Health Insurance
Temporary Health Insurance for up to 364 days (varies by state)
- Issue Ages 18- 64+11mths (policy terminates when insured reaches age 65)
- (Child-only coverage is available 2 through 18)
- Underwritten – yes
- Pre-x Clause- yes
Carrier – Independence American Insurance Co.
Options:
Connect Value + Extended Coverage Option
Connect STM + Extended Coverage Option
Connect Plus (preexisting conditions may be waived for covered expenses up to a maximum of $25,000)
Supplemental Hospital Insurance Plan (SHIP)
Supplemental Hospital Insurance is designed to supplement short-term medical (STM) insurance or Affordable Care Act (ACA) compliant major medical coverage. It pays fixed first-dollar benefits for a range of covered medical expenses which may result from an inpatient hospital stay. With two plans to choose from and an optional buy up package, Supplemental Hospital Insurance allows for flexibility with various benefit levels and monthly premiums to meet your client’s needs.
- Issue ages – 18-64+6 mths. (policy terminates when insured reaches age 65))
- Guaranteed Renewable
- Underwritten – yes
- Pre-x Clause – yes
- Child-Only Plans – No
- Carrier – Independence American Co.
- First dollar benefits with no out-of-pocket deductible to meet
- No preferred provider network
- Bundling Options
- Inpatient hospital confinement coverage
- Surgical coverage – inpatient & Outpatient
Optional benefits
- Outpatient urgent care or emergency room,
- Outpatient diagnostic x-ray and lab,
- Outpatient advanced studies
FUSION – Hospital Indemnity Packages
Fusion allows you to pair hospital, surgical and critical illness fixed insurance benefits with a Fusion STM short term health plan that helps protect against larger expenses.
A plan a client can buy today. No open enrollment period means Fusion and Fusion STM are available to clients when they need them. Benefits begin on their first day of coverage.
Benefits across the claims spectrum. Gain access to daily benefits for each covered illness and injury, a $15,000 critical illness benefit and a $2 million lifetime maximum benefit in case of serious illness or injury.
Simplicity. Fusion pays defined fixed benefits regardless of what your providers charge for medical services. Insured can see whomever they like or take advantage of discounts through one of the country’s largest independent PPO networks.
- Issue ages 18-64+6 mths. (policy terminates when insured reaches age 65)
- Underwritten – yes
- Pre-x Clause- yes
Carrier – Independence American Insurance Co.
METAL GAP 2 – Gap Health Insurance
Bundled insurance benefits which include: Accident Medical Expense; Accidental Death and Dismemberment; Critical Illness
- Issue Ages 18-64+11 mths. (Policy terminates when insured reaches age 70)
- Guaranteed Issue
- Policy Limits for Critical Illness coverage if diagnosed during the first 30 days
Carrier – Independence American Insurance Company
Bridge Accident and Critical Illness Insurance
If a client has an accident or is diagnosed with a critical illness, the last thing they want to worry about is money. Clients have health coverage for their medical bills but other costs can pile up while they are focusing on getting well. That’s where Bridge can help.
Bundled insurance benefits which include: Critical Illness; Accident Medical Expense; Accident Hospital Confinement; Accident Disability Income; Accidental Death and Dismemberment.
- Issue Ages 18-64+11 mths.(policy terminates when insured reaches age 70)
- Guaranteed Issue
- Membership in Communicating for America included
- Pre-x clause- yes
Carrier – Madison National Life Insurance Company
Care Access Plans – Hospital Indemnity
Specified Hospital, Surgical, Accident and Critical Illness Insurance Indemnity Benefits.
Optional: Health maintenance benefit bundle – Wellness and preventive care, outpatient physician office visit or retail health clinic; urgent care or emergency room visit
Optional: Outpatient diagnostic testing benefit bundle – Outpatient diagnostic X-ray and lab, Outpatient advanced studies (each test covered twice per person, per year)
- Issue Ages 18- 64+6 mths. (policy terminates when insured reaches age 65)
- Underwritten – yes
- Pre-x Clause- yes
- Membership in America’s Business Benefit Association (ABBA)
Carrier – Independence American Insurance Company (IAIC)
Individual Dental (Independence Dental)
Dental Insurance for individuals & their family.
- Issue ages 18 and older, including Seniors 65+
- PPO & Indemnity Plans
- Underwriting- No
Carrier- Independence American
Health Discount Program
- Wellness Discount Plan Includes: Prescription Discounts; Telemedicine; Alternative Health & Wellness.
- Health & Wellness Discount Plan Includes : all of the above Plus: Medical Bill Negotiation Service; Expert Medical Review; Counseling Service; Durable Medical Supplies; Healthcare Assistance.