World offers 100% 80/20, and 50/50 co-insurance plans to choose from. Included with each plan is an outpatient "first dollar" co pay prescription drug card with a $15 co pay for generic prescription drugs with no deductible required. $30 (or 50%) co  pays are included for formulary brand name drugs and $45 (50%) co pays are included for non formulary  brand name drugs after a separate $500 (Premier Plan) or $200 (Premier Plus) calendar year deductible is satisfied. 

The Premier plan includes a $250 Wellness benefit (i.e. routine physicals, screenings and immunizations) per insured after a 6 month waiting period has transpired. Or you can increase the Wellness benefit to a $300 "first dollar" Wellness benefit per person which will be covered after a 6 month waiting period. The Premier Plus plan includes a $300 Wellness benefit per insured which is covered on a "first dollar" basis after a $50 co pay has been paid. Or you can increase the Wellness benefit to a $500 "first dollar" Wellness benefit  per insured which will be covered immediately. The same holds true for the World Care SM plans.

The Premier Plus plan includes a "first dollar" benefit for the first $1,000 of Emergency Rooms bills incurred each calendar year (related to an accident or illness). This means that World Insurance company will pay the first $1,000 of the total amount of ER bills incurred by each insured each calendar year. There is no co pay or deductible required from the insured. This benefit is unique to the World "Express Med Premier Plus" plan.

Both the Premier & Premier Plus plans include an unlimited "first dollar" outpatient x-ray & lab test benefit. Outpatient x-ray & lab test will be paid at 100% (up to $200 per test) after a $50 (Premier) or $25 (Premier Plus) co pay  has been paid.

Both the Premier. Premier Plus & World Care SM plans have an optional unlimited "first dollar" outpatient doctor office sick visit co pay benefit available. Outpatient doctor office sick visit charges will be paid at 100% after a the co pay has been paid.

All plans offer optional "first dollar" coverage for the first $1,000 of each outpatient MRI, CT Scan & PT Scan.

Available plan options include Supplemental Accident, Maternity Coverage, Critical Illness coverage and Term Life.

 World Insurance Company Express Med Premier & Premier Plus PPO Plans

•  World Insurance Company Rated A-(Excellent) By A.M. Best www.worldinsco.com  
•  A subsidiary of the American Enterprise Mutual Holding Company www.reuters.com
•  Largest nationwide P.P.O. in the U.S. Search for providers at: www.phcs.com
•  Texas residents must use the Great West Open Access network. Search for providers at the following web site: https://www.geoaccess.com/greatwest/PO/Begin.asp  Be sure to select "Open Access" in the drop down box.
•  $3 to $5 million in Lifetime benefits per insured.
•  Very competitively priced HSA qualified HDHP
•  Unlimited $40 or $50 outpatient doctor office sick visits co pays available depending on the plan you choose.
•  $300 or $500 Child & Adult Wellness Benefit included after 6 months or immediately on a "first dollar" basis depending on the option you choose.
•  Outpatient Prescription drug card included with $15 co pays for generic with no deductible required and $30 co pays for formulary Brand name drugs after a separate $500 (Premier Plan) or $200 (Premier Plus or World Care SM) calendar year deductible is satisfied.
•  100%, 80/20 and 50/50 co-insurance plans to choose from.
•  Optional A.M.E pays first $2,500 or first $5,000 per accident in the E.R. (see WBA AME brochure below)
•  Optional Maternity coverage available for an additional premium.
•  Controlled pre-existing conditions such as hypertension and high cholesterol are covered from day one with no waiting period on all plans.
•  Treatment for a hernia, removal of adenoids and/or tonsils, varicose veins, hemorrhoids, middle ear disorders     or disorders of the reproductive system are not covered for 6 months unless deemed as emergency care.
•  H.S.A. qualified H.D.H.P. also available.