Websmart Benefits offers affordable individual, family and small businesses health quotes, specializing in pre-existing conditions, $250,000 of total lifetime coverage available.
A nationwide network ensures you and your family will have access of over 500,000 provider locations including Doctors, Hospitals, Dentists, Pharmacies, Chiropractors, Hearing, Vision and more. With no limitations on use, you will save on each and every visit.
With increasing medical costs and the high price of insurance, Websmart Beneifts is your first stop for an affordable healthcare solution!
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Is this health insurance? |
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Yes, Websmart Benefits offers affordable individual, family, and small business health quotes, specializing in pre-existing conditions, $250,000 of total lifetime coverage available. We only work with carriers rated A or better through AM best and our plans offer access to a very large national PPO organization with over 500,000 providers to choose from. It also allows us to approve 99% of pre-existing medical conditions and consumers who have previously been denied medical coverage.* Best of all, as the association grows, so will your membership benefits. We’re constantly looking to bring you programs that will make your life easier. For your convenience Websmart Benefits will automatically send you new and approved association benefits as available. |
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How much will I save? |
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There are several factors that can determine how much you will save. These factors include, but are not limited to, the procedure you require, the state you reside in, and the health provider you have selected. Most importantly our members are never rated up because of pre-existing medical conditions. |
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How do I receive my network re–pricing? |
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To receive the max savings on our plans you must choose a health provider within the PPO network. When you appear for your appointment, simply present your association insurance card and pay your co-pay. Claims will be automatically re-priced and paid by the carrier. There is no paperwork to fill out. |
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Is there a deductible? |
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There is no annual deductable or policy fee. |
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Are there any Age or Health restrictions? |
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As we offer association health insurance plans, we have a 99% success rate at getting most pre-existing medical conditions approved, even if you’ve been turned down for coverage in the past. You must be between the ages of 18 – 64 years old. |
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Is there a waiting period before I can use my new association health insurance card? |
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In some states applicants who can provide proof of creditable coverage for the prior 12 months will have no waiting period for pre-existing conditions. Some states may have a 30 day waiting period for benefits related to sickness. |
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Do I pay the provider at time of service? |
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Depending on the plan you select, some states you'll pay a $30 co-pay, while in others the doctor may bill the insurance company who will in turn pay the maximum benefit. Any remaining portion may be billed to you. |
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Can I cancel? |
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Yes. You can cancel any time and for any reason, there are no long term contracts or obligations. Simply contact Member Services and your membership will be terminated immediately. |
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How do I obtain a list of providers that are in the network? |
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Association Health insurance members receive a list of local providers in each of its affiliated networks in their membership package. Additional providers can be found by calling the affiliate network at the toll-free number or visiting their website found in your member package. |
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Can I use the program throughout the country? |
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Yes. You can use your Association Health insurance membership anywhere in the United States. |
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Will I receive a statement outlining my savings? |
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Yes. You will receive your outline of coverage when you receive your benefits packet. For your convenience all claims paid by our carriers will be followed up with an explanation of benefits. |
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How do I know I have received my full savings? |
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WEBsmart Benefits only offers quotes from the most reputable and credible Provider Networks in the country. The benefits are pre-negotiated by the Provider Network (not the Provider) and the rates cannot be changed or altered by the provider. |
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What happens if the network provider does not know about these Assocation Health Insurance plans? |
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Since we offer plans that are contracted with some of the largest PPO Networks in the United States (such as PHCS - Private Healthcare Systems nationwide medical network) even if a particular network provider does not recognize the association plan, they are still obligated to give members the agreed upon benefits negotiated by the provider network. If you have any disputes, please call the customer service number on your ID card. |
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What is your cancellation policy? |
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The cancellation policy is clearly spelled out in the “Terms and Conditions” portion of the membership package. Rest assured that you can cancel your Association health insurance membership at any time and for any reason – there are no long-term contracts or obligations! You may cancel at anytime. |
Featured Association Health Insurance plans
We have a 99% success rate in placing our association members with one of our A-rated, multi-billion dollar insurance carriers, with or without pre-existing medical conditions. The plans we represent offer access to some of the nation’s largest PPO networks with over 500,000 providers to choose from.
Websmart Benefits offers plans ranging from $300 to $1500 a day if you are hospitalized, 80/20 co-insurance according to scheduled benefits and $250,000 in total lifetime coverage. Our plans also provide insurance for office visits ($30 co-pay varies by plan), diagnostic testing and x-ray/MRI exams, as well as surgical benefits for both in and out-patient surgical procedures.
With some of our Association health insurance plans, Association members are also covered by a critical illness plan (sold seperately in some plans). This plan pays a $50,000 lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Additionally, most health plans quoted by Websmart Benefits offer access to a tiered prescription plan with significant discounts for your medication needs.
Preferred Association Health Insurance Plan
| Benefits Per Covered Person | BASIC CL Limited Med 500 |
PLUS CL Limited Med 1000 |
BASIC CS Limited Med 500 |
PLUS CS Limited Med 1000 |
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| Doctor's Office Visit Benefits | ||||
| Sickness, Accident and Preventive Care | Pays a $50 indemnity benefit up to 5 visits per year | Pays a $100 indemnity benefit up to 5 visits per year | $30 Co-pay per visit then 80% coinsurance coverage up to 5 visits per year | $30 Co-pay per visit then 100% coinsurance coverage up to 5 visits per year |
| Diagnostic X-rays and Laboratories | Pays a $50 indemnity benefit for 3 visits per year | Pays a $100 indemnity benefit for 3 visits per year | $30 Co-pay per visit then 80% coinsurance coverage up to 3 visits per year | $30 Co-pay per visit then 100% coinsurance coverage up to 3 visits per year |
| Hospital Emergency Room | ||||
| Emergency Room Visits | Pays a $50 indemnity benefit 1 visit per year | Pays a $100 indemnity benefit 1 visit per year | Pays 100% up to $200 for 1 visit per year | Pays 100% up to $400 for 1 visit per year |
| Inpatient Benefits | ||||
| Daily Hospital Benefit | Pays $500 per day up to 30 days per year | Pays $1000 per day up to 30 days per year | Pays $500 per day up to 30 days per year | Pays $1000 per day up to 30 days per year |
| Surgical Benefit | Pays the surgeon's fees per the surgical schedule | Pays the surgeon's fees per the surgical schedule | Pays the surgeon's fees per the surgical schedule | Pays the surgeon's fees per the surgical schedule |
| Supplemental Accident Benefit |
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| Accidental Emergencies | Pays 100% up to $5000 per year | Pays 100% up to $5000 per year | Pays 100% up to $1000 per year | Pays 100% up to $5000 per year |
| Benefits vary by state | ||||
Essentials Association Health Insurance Plan
| Benefits Per Covered Person | BASIC 500-CP30 |
PLUS 750-CP30 |
CHOICE 1000-CP30 |
MAX 1500-CP20 |
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| Policy Limits Per Covered Person | ||||
| Maximum Yearly Limit | N/A | N/A | N/A | N/A |
| Lifetime Maximum | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Waiting Periods | ||||
| Accidental Injuries | None | None | None | None |
| Sickness | 30 Days | 30 Days | 30 Days | 30 Days |
| Pre-existing Conditions Provision |
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| Applies to the In-Hospital Daily Benefit, Surgery and Anesthesia benefits only. Conditions existing up to 12 months prior to effective date of coverage are not covered for 12 months following effective date of coverage. | 12/12 | 12/12 | 12/12 | 12/12 |
| Inpatient Hospital Indemnity | ||||
| Maximum Amount Per Day | $500 | $750 | $1000 | $1500 |
| Maximum Days Per Policy Year | 31 | 31 | 31 | 31 |
| Surgery | ||||
| Inpatient Hospital | $1,000 | $1,500 | $3,000 | $10,000** |
| Outpatient Facility | $1,000 | $750 | $1,500 | $10,000 |
| Maximum allowable Surgeries Per Policy Year | 1 | 1 | 1 | 1 |
| Anesthesia | ||||
| Inpatient Hospital |
N/A | $225 | $450 | $1,500 (15% of Surgery Max.) |
| Outpatient Facility | N/A | $150 | $200 | $1,500 |
| Maximum Per Policy Year | NA | 1 | 1 | 1 |
| Doctor Office Visits (Injury or Sickness) | ||||
| Co-pay Per Visit |
$30 | $30 | $30 | $20 |
| Maximum Visits Per Policy Year | 5 | 5 | 5 | 5 |
| Doctor Office Visit (Wellness) | ||||
| Co-pay Per Visit |
N/A | $30 | $30 | $20 |
| Maximum Visits Per Policy Year | N/A | 1 | 1 | 1 |
| Diagnostics X-rays, Labs | ||||
| Maximum Per Visit |
N/A | $50 | $50 | $75 |
| Maximum Visits Per Policy Year | N/A | 5 | 5 | 5 |
| Emergency Room Visits | ||||
| Maximum Per Visit |
$50 | $50 | $50 | $50 |
| Maximum Visits Per Policy Year | 1 | 1 | 1 | 1 |
| Ambulance | ||||
| Maximum Per Visit |
$50 | $50 | $50 | $50 |
| Maximum Visits Per Policy Year | 1 | 1 | 1 | 1 |
| Accidental Injury | ||||
| Maximum Benefit Amount Per Injury |
$2,000 | $2,000 | $2,000 | $2,000 |
| Maximum Number of Injuries Per Year |
2 | 2 | 2 | 2 |
| Deductible per Accident | $100 | $100 | $100 | $100 |
| Medical treatment and supplies Per Injury | ||||
| Accidental Death and Dismemberment | ||||
| Principal Amount | $10,000 | $10,000 | $10,000 | $10,000 |
| Covered Spouse | $5,000 | $5,000 | $5,000 | $5,000 |
| Covered Dependent | $2,500 | $2,500 | $2,500 | $2,500 |
We also include with your membership the ability to access Integrated Health Plan PPO to access Providers and Facilities and have their discounts passed on to you which will often reduce your charges for services rendered and allow your benefit to go much further.
