When it comes to health expenses and needs, everyone is different. So based on your health stage, life stage and family, the amount and kind of coverage you’ll need is going to vary.

Unfortunately, one-size-fits-all primary plans aren’t built to handle these variances. This leaves gaps and holes in coverage because primary plans lack the flexibility to ebb and flow with different needs.

A solution is to add supplemental solutions on top to cover the gaps, but some types of supplemental options are still limited. For instance, health accounts (like FSAs) have contribution limits and voluntary plans, like hospital indemnity and cancer-only plans, are limited to a specific event (like hospitalization) or disease (like cancer) which still leaves sizable holes.

Enter Expense Reimbursed Insured Plans

Expense reimbursed insured plans are a type of supplemental plan that can be added on top of the primary plan that is designed to reimburse for all types of healthcare expenses. In other words, these plans have more flexibility than other types of supplemental plans.

Ultimate Health is an expense reimbursed insured plan that has the power to cover routine expenses, special expenses and the unexpected expenses, too. Let’s take a look at 4 different families with different life stages and see how Ultimate Health can help.

To see more personalized stories and choose your own path, visit http://armadacare.com/nyti/

Employee Only – Midlife (Ages 36-55)

Although Jill isn’t a spring chicken anymore, she’s still relatively healthy. Ultimate Health was there for her when she tweaked her back and started to see a chiropractor, who recommended custom orthotics as part of her treatment plan. And after repeated eye infections, she ditched the contacts and had LASIK surgery using her Ultimate Health vision benefit. Jill began experiencing anxiety so she started seeing a therapist who prescribed anti-anxiety medication. Thankfully, Ultimate Health was there for that too, even when she lost her prescription while traveling.

Routine

Maintenance Medical

Dental Preventive

Eye Exam

Special

Root Canal

Contact Lenses and Rx Sunglasses

Mental Health

Chronic Condition Rx

Unexpected

Chiropractic Treatments

Custom Orthotics

LASIK

Lost Rx While Traveling

Employee Spouse – Early Adulthood (Ages 20-35)

Jacob and Marcie are young and healthy and never expected to use the Ultimate Health plan that Jacob received when moving to a new Biotech company. Marcie does go for a monthly massage as recommended by her primary care doctor to manage her sciatic pain so that out-of-pocket expense is now covered. And Jacob uses the vision and dental parts of the plan. But then, after trying to have a child for several years, the couple discovered that fertility treatments were needed; they sighed in relief at having a supplemental plan that would reimburse for at least some of these expensive treatments that their primary insurance didn’t cover.

Routine

Maintenance Medical

Dental Preventive

Eye Exams

Special

Massage Therapy

Root Canal

Contact Lenses and Rx Sunglasses

Unexpected

In Vitro Fertilization Treatments

Family- Early Adulthood (Ages 20-35)

Simone and Paul’s two year-old daughter, May, loves to be lifted up on her father’s shoulders. She was born with poor eyesight and luckily, Ultimate Health covered her pink prescription goggle glasses that help her see, but she still loves to be up high so that she can see better. Paul has been seeing a chiropractor for years from an old sports injury in college, and acupuncture recently seemed to be helping even more. But as he bent to lift May onto his shoulders at a parade something went wrong, and Simone had to drive the family to the hospital. Ultimate Health covered a private room, his prescriptions and the physical therapy that would soon get Paul back on his feet.

Routine

Maintenance Medical

Dental Preventive

Eye Exams

Special

Chiropractic Treatments

Acupuncture

Orthodontia

Glasses

Unexpected

Back Injury: ER, Private Room: Hospital Stay, TopDoc Connect for Specialist, Physical Therapy, Private Duty Nurse, Rx

Family-Mature Adulthood (Ages 56-80)

Mel and Horace have had their share of medical expenses. At 60, they both have glasses, hearing aids and 5 crowns and 2 bridges between them. Horace owns his own auto dealership and saw the advantages of getting Ultimate Health for his key employees and his family. When Mel was diagnosed with COPD, her brand name prescriptions were covered. Ultimate Health even helps out with their 24 year-old son’s medical expenses, which spiked after a bad case of pneumonia during finals week at law school.

Routine

Maintenance Medical

Dental Preventive

Eye Exam

Special

Glasses

Hearing Aid

Chronic Condition Rx (Brand Name)

Crowns and Bridges

Unexpected

TopDoc Connect Specialty Physician Recommendation

COPD Treatment