Membership benefits offer free and unlimited video or telephone consultations with board certified doctors that can diagnose and provide prescriptions in minutes, plus discount vision services and a discount prescription drug card. If you want to be smart about your health care dollars, we can help you spend less of your hard-earned cash.

Cover the

If you have an accident or are diagnosed with a critical illness, the supplemental insurance included in the membership plans helps cover your insurance deductible, medical bills, the mortgage — whatever you need the funds for. This allows you to focus on the most important aspect of recovery, which is getting better. Sign up today or call us to learn more.

Reduce confusion
about health care

When you purchase a health insurance plan, what you actually have to pay out-of-pocket for medical care can be confusing. You may be responsible for thousands of dollars up front before your health insurance kicks in. With your membership plan you get extra protection that helps pay for covered accidents and unexpected critical illnesses.

Obamacare and Supplemental Insurance Plan

Example Annual Health Care Costs For Family of Four With Obamacare

Without Supplemental Insurance

Insurance Deductible $13,700
Child’s Bicycle Accident $6,050 out-of-pocket after ER visit and cast
8 Doctor Office Visits
4 Urgent Care
Rx Drugs $700
Total OOP $7,958

With Supplemental Insurance

Insurance Deductible $13,700
Child’s Bicycle Accident Supplemental insurance plan pays $5,000 in benefits
8 Doctor Office Visits
4 Urgent Care
Rx Drugs $140
Total OOP $1,620

Supplemental Health Insurance Plan
Produced $6,338 in Annual Savings

Why You Need Supplemental Health Insurance

In 2017, consumers with individual health insurance plans (employer plans or other plans on or off the public exchanges) will pay in out-of-pocket expenses up to:

  • $7,150 for an individual plan and
  • $14,300 for a family plan

Those are the maximums if you use in-network doctors and medical facilities. You will pay much more if you go out-of-network.

That’s in addition to your monthly health insurance premium costs.

Most Americans cannot afford 1,000s of dollars in out-of-pocket expenses such as deductibles and coinsurance.

AND, you have other expenses that just don’t stop when you are ill or injured: mortgage payments, child care costs, utility expenses, etc.

Don’t be caught owing thousands when you need care.

Supplemental health insurance can fill the gaps

Supplemental health insurance pays benefits for sickness and accidents that coordinate with your individual health insurance plan or pay IN ADDITION TO any other coverage you have—to help fill the out-of-pocket gaps in your coverage.

Insurance benefits can be used for:

  • Medical deductible or coinsurance
  • Rent or mortgage
  • Car payments
  • Child care
  • Everyday living expenses

Pivot Health Answers Your Needs with Latitude

Our Latitude membership package includes many benefits that help curb everyday health care costs, and covers other expenses incurred if ill or injured. Benefits include:*

Unlimited Doctor Consultations by Telephone or Video, 24/7 at No Additional Cost
Skip the waiting room and connect with a physician
Savings of up to 75% Off Prescription Drugs
Members can text or email prescription drug discount deals straight to their phone or print a discount drug card.
Discounts of 15%–40%
Off Eye Exams, Lenses, Frames and Contacts

Supplemental Insurance Benefits include:

  • Accident Medical Expense
  • Critical Illness
  • Accidental Death & Dismemberment
  • Daily In-Hospital Indemnity

Latitude can provide you important savings on everyday medical expenses and protection against expenses for serious illness and accidents.

See our product brochure for Latitude.

People Like You Need Supplemental Health Coverage:

Meet Aaron

Aaron has a Major Medical plan with:

  • $3,000 Deductible
  • 20% Co-insurance
  • $6,500 out-of-pocket maximum

Aaron is happy to have health insurance, but he worries about the out-of-pocket cost, if he has any serious accident or illness. He’s had some health issues in the past with diabetes.

$6,500 is a lot more than Aaron has in the bank, and he’s already pretty high on his credit card balances. He’d like to have a worry-free zone by having coverage for his out-of-pocket gap.

That’s why Aaron chose our Latitude plan. It was issued with no health questions, at an affordable rate, and he now has the added peace of mind that he wanted.

Example here is for illustration purposes only.

* Supplemental health insurance and non-insurance benefits featured on Pivot Health are offered exclusively as membership benefits from Communicating for America, Inc. The insurance benefit is not a replacement for major medical insurance coverage.

Communicating for America, Inc. (CA) is a national nonprofit association founded in 1972. Originally founded as an advocate for the self-employed and rural members, Along with a legislative voice on important issues in Washington, D.C., CA provides high quality, valuable member benefits.