On May 12th, 2009, the National Association of Realtors brought out an exciting benefit for Realtors - a limited medical insurance program. REALTORS Core Health Insurance provides affordable, attainable health programs for NAR members between the ages of 18 and 65.
If you don't already have good affordable health insurance, this is definitely something to check out. Acceptance is guaranteed to NAR members and it can afford as little as $70.69 per month.
These are limited medical insurance programs, so they do not cover all conditions, nor will they cover the entire cost of hospital visits. However, they can do much to defray the expenses of a Realtor® who is having a hard time finding insurance due to pre-existing medical conditions or other factors that limit their choices, such as lower income levels.
There are three plans that members can opt for. The Physician Only plan is more for people who are already covered by a major medical plan and who simply want to increase their deductible. The Value plan offers benefits for physicians and hospitalization/surgery and can be useful for someone on a limited budget or who wants to supplement an existing medical plan. The Platinum plan offers benefits for physicians, hospitalization and surgery and is designed for NAR members who are otherwise uninsurable.
RCHI also covers your dependents. Eligible dependents are your lawful married spouse and your children. Depending on state laws, same-sex couples and common-law relationships may also be recognized. Your unmarried children who are under the age of 19, who reside in your home for 6+ months a year and who are unmarried. Extensions from the age of 19 to 24 are available for full-time students at an accredited college or university. According to RCHI's website, ""Child" includes stepchild, foster child, legally adopted child, a child of adoptive parents pending adoption proceedings, and natural child."
The United States Fire Insurance Company - A.M. Best rated A (Excellent) - is the underwriter for REALTORS Core Health Insurance. It is recognized as being an extremely reliable, trustworthy company with a stable outlook.
If you have high medical expenses and need a little extra help, if you can't afford a major medical plan or if you are currently uninsurable due to a pre-existing condition, check out REALTORS Core Health Insurance - it can make a big difference in what you pay!
By Matt Barker. For more information, check out www.realtorscorehealthinsurance.com
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