Our Simple Solution:
Diversified Group offers a simple solution to transplant exposures for self-funded employers. By “carving out” transplant exposures from a benefit plan, employers can control the catastrophic costs associated with transplants and reduce them to a budgeted per employee per month rate. This policy includes generous benefits that can fit with any employer’s self-funded health plan.
$1 million lifetime maximum ($2 million available)
100% coverage for all in-network transplant-related claims from first dollar* (including hospital, physician, procurement and drugs)
Experienced transplant case coordination
Choice of some of the finest transplant centers in the U.S.
Generous travel and lodging expenses for patient and one companion
Benefit period covers evaluation through 365 days post transplant operation
Policy language that is easy to understand
Covers all major organ and tissue transplants:
- Small Intestine
- Bone Marrow
- Stem Cell
Employees will especially benefit from this coverage in that there are no deductibles or co-insurance.
Patients receive the finest care available from the most reputable transplant centers in the country
Nationwide transplant network available to fit the geographic needs of the employer
- One simple, affordable rate per employee provides plan stability, and also reduces the employer’s stop loss and out-of-pocket expense
Transplant providers are paid directly, thus avoiding cash flow drainage on the employer’s health benefits trust
Exclusive to Diversified Group Brokerage Corporation clients of 50 or more employee lives
* For individuals covered under a High Deductible Health Plan (as defined by the IRS), the Health Plan’s high deductible must be met before benefits will be provided under the Transplant program