The tailored PJP Health Agency approach is necessary, not only because of the sheer number of health plans available, but because of the diversity of factors that determine eligibility for coverage. In many cases, individuals do not qualify for a premium plan because of factors such as health, lifestyle, and age. This is not the end of the road for health care coverage: people are still able to enroll in limited medical health insurance policies. These "mini-med" plans limit the number of specific procedures covered within a period of time, placing a strict cap on the dollar amount of coverage. Customers often enhance this limited coverage through additional integrated vision, hearing, chiropractic, dental, and prescription plans.
Some patients who are healthy and relatively young may prefer a tailored approach incorporating catastrophic coverage. This type of plan does not cover routine and preventive medicine, but does provide critical financial support in cases of unexpected injury or disease.
PJP Health Agency agents help customers who are fortunate enough to qualify for major medical plans to choose between HMO, PPO, and POS options. They also facilitate supplemental plans, which back up basic plans after the policy’s hospital, surgical, or medical limit is exceeded. It is important to note that this coverage begins after a “corridor” deductible has been paid, transitioning between the basic medical coverage and the supplemental plan.