USNow group benefit plans provide innovative and affordable alternatives to major medical health insurance to customers across the nation. Our comprehensive offerings include insurance, a PPO network, and healthcare discount services programs that each deliver outstanding value.

Our mission is to make healthcare affordable to all Americans with benefits that are affordable to those currently underinsured or uninsured, as well as those needing relief from rapidly escalating healthcare costs.

Typical Features:

• There are no pre-existing condition exclusions (covers pregnancy provided conception occurs after effective date of coverage)
   

• Guarantee issue - no health questions asked!
   

• Supplements and pays regardless of any other insurance program
   

• The benefits are assignable at the doctor's office and hospital
   

• Single Rate Nationwide
   

• The plans offer no cost annual lab testing for every adult covered
   

• A National PPO discount network
   

• No Discrimination (age, gender, smoker)
   

• No Deductible
   

• Nationwide access to healthcare providers is quick and easy with USNow Member access. We provide personal and online search capabilities to assist members with claims, eligibility, verification, discount benefit options, and much more. Our Advocacy Management staff is experienced in providing a liaison between members and medical providers to resolve insurance and financial matters. Our advocacy service is an exclusive USNow benefit! 

USNow offers next generation products in the marketplace and we are making them available to you. You will quickly realize that the USNow program is an affordable alternative to the high cost of major medical insurance.

USNow vs Traditional Major Medical:  

USNow is not a Major Medical, but it's the next best thing to being there

Provides Benefits For:

• Physician Office Visit/Hospital Emergency Room Visit

• Medical Fees For Each Accident

• Hospital Admission Benefit

• Daily Hospital Confinement Benefit

• Intensive Care Benefit

• Wellness Benefit

• Accidental Death or Term Life Option

Non Insurance Benefits:

MemberHealth® provides Generic, Brand & Discount prescription drugs and is one of the nations leading pharmacy benefits management companies. MemberHealth has over 45,000 chain and independent pharmacies in its pharmacy network. Your cost for generic drugs is only a $10 copay at network pharmacies.

USNow Lab Benefit:

USNow Lab provides a No-Cost Adult Annual Wellness Benefit once each calendar year to you and your spouse (if covered). The Wellness Benefit is valued at over $400 and includes a panel of the following tests:

1.Complete Blood Count        5.Thyroid Function

2.Liver Function                     6.Bone & Minerals

3.Diabetes/Glucose               7.Fluids and Electrolytes

4.Kidney Function                  8.Complete Urinalysis

Discount Dental Benefit:

DenteMax is a national, fully-credentialed dental PPO network of over 30,000 dentists in all 50 states. DenteMax is used by hundreds of insurance companies and administrators. Over 3 million people have access to our network, with thousands more being added every month. DenteMax network dentists have agreed to accept a discounted fixed fee schedule which averages 20 to 30% below usual charges.

Discount Vision Benefit:

The USNow provider for vision services is EyeMed Visioncare, the eye care plan of America. EyeMed has more than 19,000 optical locations, including major chains like LensCrafters and Pearle Vision. You receive 50% discount on the retail price of eyeglass frames up to $130 and 80% off the cost of frames over $130. Additional discounts are available on plastic lenses.