Are you tired of leaving money on the table because you simply can't get Health Coverage for your unhealthy clients? Do you wish that you had a product that would allow you to approach the unhealthy market? Do you need a product that will allow you to get some form of coverage for your clients that just can't afford Major Medical Coverage, or do you need something for clients looking for a cheaper alternative to COBRA?

Here at R.F.S. we have done our research and came up with the perfect solution, and that perfect solution is E-Med Options! They offer one of the most comprehensive, competitively priced, best paying commissions (22% - Lifetime),True Guaranteed Issue, Limited Medical Benefit Plans on the market today.

This plan provides exact benefit amounts for specific medical care expenses that members incur as a result of an accident or illness. With the defined benefit coverage you get with the E-Med Options plan, you know up front what is covered for medical related expenses such as Doctor's Office Visits, Preventative Care Test, Diagnostic, Lab, and X-ray testing, Inpatient Hospital Confinement, ICU/CCU stays, Surgery and Anesthesia, Accidents, and Inpatient and Outpatient Mental Health and Substance Abuse Treatments. Check out the brochures for a more in depth outline of coverage (V-Series Brochure - F-Series Brochure).

The E-Med Options plan pays benefits regardless of other coverage, so it can be also be paired with existing Health Insurance to help cover gaps in your expenses. This is most helpful if you have a high deductible major medical plan. E-Med Options provides five different levels of coverage with varying benefits. Your clients will have the option of selecting a plan that most efficiently meets their personal needs.

In addition to the great, defined benefit coverage, E-Med options also utilizes America's largest PPO network, the MultiPlan Network. By utilizing the MultiPlan PPO network, your clients will enjoy significant savings for hospital and physician services. MutiPlan PPO Network is available nationwide, with some 4,300 acute-care hospitals, 103,000 ancillary facilities, and 550,000 practitioners participating.

E-Med Options plans are HIPAA Compliant. Persons who leave the plan will receive a HIPAA Certificate of Creditable Coverage. Those who enter the plan presenting a Certificate will receive credit toward this plan's pre-existing conditions limitation (There is no coverage for pre-existing coverage for 12 months following the effective date of coverage under the policy).

To help ensure you are successful with selling the E-Med Options plan, we offer weekly webinars that explain the plans, website, enrollment, and back office features.

In order to enroll someone into the E-Med Options plan from IBN, that's underwritten by American Medical Life Insurance you must do the enrollment online. Because you may not always have a computer for enrollment at your disposal at the time you meet with a prospect, you will find an attached "Applicant Information" (V-Series - F-Series) page for all of their products. This will ensure that you gather all of the necessary information from a client to be entered into the computer at a later time. Once this information is entered, an e-mail will be sent to the client and they will still need to sign-off on it. Please note that effective dates can be set for either the 1^st or 15^th of each month. All premiums and fees will be drafted within 72 hours of the completion of the application process.

So to get started today, be sure to check your states availability for the E-Med Options Plan (State Availability Chart), and fill out a contract and send it in first (Click Here for contract). (FAQ)