NCTA is proud to make available to our membership the following insurance solutions listed below. These products are made available through an exclusive partnership with Encompass Benefits Management Corporation. EBMC continually seeks out new carriers to bring our members optimal savings opportunities. EBMC may remove any provider at anytime and without notice. This will not cause any interruption in your policy it just means that you may need to make a different choice at renewal. There is full customer support to answer any questions you have or to give you guidance when purchasing. EBMC deals direct saving you the inflated cost of agents and brokers. This generally will provide on average a savings of around 28% depending on the product.
NCTA members will gain full access to the enrollment pages in the members area. There you can study which policies meet your individual needs and then make an educated decision of which product(s) meet your needs. Many of the products you can purchase right on line. There are a few that you can not purchase without speaking to a staff (not independent) agent to guide you into the right coverage for your circumstance.
Major medical plans cover a broad range of medical services. Exchange pricing
*A wide variety of deductible options, including a high-deductible which helps keep premiums low
*Health Savings Account (HSA) qualified plans, which low you to save money for health expenses tax-free
*Annual max plans, which have calendar-year dollar limits, or caps, that keep premiums affordable
HealtheMed Short Term Medical – Short term medical pays benefits like a major medical insurance plan, but for a predetermined length of time.
These affordable plans have a wide range of deductibles to fit your lifestyle needs and budget.
Accident Insurance pays when life’s unexpected every day injuries occur. It can be partnered with Short- Term, Limited Medical or just about any other coverage to help with out of pocket expenses like deductibles. There are several different options to choose from. It also covers Accidental Death and Dismemberment. Great little supplement for anyone to have at a very low cost.
Limited benefit plans offer guaranteed acceptance for those that do not have adequate health insurance (applicable pre-existing condition limitations will apply). Plans offer fixed indemnity benefits that help pay costs for covered services; no deductibles or co-pays.
RX PRESCRIPTION PROGRAM
Save 10% to 85% on most prescriptions with the local pharmacy program. It’s simple to use. The member simply shows the membership card and prescription to the pharmacist. The pharmacist calculates the discount and the member pays the lowered price. No other forms required. Highlights
* 10% to 85% savings on most short-term and acute care medications.
* Use the Online Drug Price Check Utility (www.rxpricequotes.com) to find the price of prescriptions at participating locations by zip code.
* Over 60,000 locations, including independent, national and regional chain pharmacies nationwide.
Disclosures Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies
DENTAL (FOUNDATION DENTAL) (CIGNA DENTAL)
With multiple carriers and multiple plans to choose from you are sure to find a plan that suits the needs of you and your family. Dental Benefits help members pay for preventive and restorative dental care, such as: * Cleanings * Fillings * Crowns * Dentures * Extractions * Root canals… and more.
Multiple carriers to choose from ensure you will find the plan that is right for you and your family. Vision care plans can differ by types of providers, such as ophthalmologists, optometrists, or opticians. Our individual vision plans can help you save money on eye exams, eyeglass lenses and frames, and contacts. It also offers discounts on other vision procedures such as LASIK. Vision plan provider’s network has thousands of vision care professionals.
Discounted Auto – Check out and see the great possibilities that will help save you even more money with our discounted auto insurance programs.
Discounted Home Insurance – You may be thinking I already have home owners insurance. But look and see how much of a discount you may be able to save under our association discount
Disclaimer: NCTA does not sell insurance. Certain exclusive priviledges have been made available to members of NCTA. NCTA is not a licensed agent. NCTA can not answer any policy of cover questions. Anyone seeking insurance or coverage information through this association must speak with the licensed representative provide by the carriers or resellers provided in the members section of this website.