Medical insurance for Diabetics

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KeyMed is Essential Health Insurance for Individuals

If you are ineligible for major medical insurance or are offered a plan that excludes coverage for specific medical conditions, a KeyMed plan may be right for you.

Find a solution in KeyMed

If you have a past or current medical condition, KeyMed can provide you with the coverage you’ve been looking for and the peace of mind you deserve. KeyMed provides benefits for prescriptions, office visits, lab tests, x-rays, hospitalization, surgery, and more. Network discounts are also included –– at no additional cost –– and are applied to covered charges even if benefit maximums are reached.
KeyMedSM is Essential Health Insurance for Individuals

People with the following medical conditions are commonly eligible under the KeyMed plan:

• Diabetes         • Coronary Artery Disease        • Ulcerative Colitis
• Hemophilia     • Crohn’s Disease                      • Cancer (if not treated in the past year)
• Heart Attack   • Parkinson’s Disease                • and many others
• Leukemia        • Stroke

12-Month Initial Rate Guarantee
You’ll lock in your premium rate for the first 12 months of coverage.

Your Choice of Doctors and Hospitals
You can receive care from the doctors and hospitals of your choice. This is not a PPO plan.

Network Discounts
You can receive significant discounts on covered medical services, thus lowering your out-of-pocket costs, when you use a PHCS Healthy Directions network provider. Network discounts are included –– at no additional cost –– and are applied to covered charges even if benefit maximums are reached. To locate providers, go to www.phcs.com and select the Healthy Directions network.

Hospital Benefits for Sickness and Accidents
If you’re admitted to the hospital, you’ll receive up to a specific dollar amount per day to treat a sickness. This maximum daily benefit amount increases for accidents.

Outpatient Medical Services
Coverage includes office visits, laboratory services, x-rays, and emergency room visits.

Prescription Drugs
You pay only $15 each time you fill a generic prescription at a participating pharmacy. And, you’ll receive discounts on covered prescriptions, even if the benefit maximum is reached, if you continue to use a participating pharmacy.

Health Advocates Alliance Membership
Health Advocates Alliance is an association dedicated to the health and well being of its members. Membership is available in all states and includes access to a 24-hour nurse helpline, a scholarship program for qualified students
studying in a health-related field, and a number of additional benefits as well as discounts. In certain states, membership in Health Advocates Alliance is required in order to buy this health insurance. Fees paid for membership in Health Advocates Alliance are used for benefits, marketing, distribution and administrative expenses. Assurant Health may also realize some benefit from these fees.

This plan provides limited benefits and has both specific annual and per condition benefit limits. This is not a major medical insurance plan and is not a replacement for one. Applicants are individually underwritten and some individuals may not qualify.