Spend 50% Less on
Health Insurance*

No deductible or coinsurance

Cash benefits for sickness and accidental injury

Physician, wellness, hospital benefits

THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT (ACA). IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

* Example of ACA Silver plan monthly premium vs. PivotCare Elite Plan 5 monthly premium with demographics of male, age 37, in the state of Illinois.

Most common claims families experience every year

Example — Ruptured Appendix

Procedure Description	In-Network Charges
Removal of ruptured infected appendix	$1,389.00
Anesthesia	$1,139.00
4 day hospital stay (assume average daily cost of $2,296)	$8,265.60
TOTAL	$10,793.60
Out-of-pocket expenses you pay	—

Procedure Description	Zero Deductible Insurance Pays (Plan 3)
Removal of ruptured infected appendix	$1,000.00
Anesthesia	$200.00
4 day hospital stay (assume average daily cost of $2,296)	$6,000.00
TOTAL	$7,200.00 paid by insurance
Out-of-pocket expenses you pay	$3,593.60

Procedure Description	Major Medical Plan Insurance Pays*
Removal of ruptured infected appendix	$0
Anesthesia	$0
4 day hospital stay (assume average daily cost of $2,296)	$3,643.60
TOTAL	$3,643.60 paid by insurance
Out-of-pocket expenses you pay	$7,150.00 (includes deductible and coinsurance)

Example — Car Accident With Contusions and Fracture to Lower Leg Which Required Surgery

Procedure Description	In-Network Charges
3 day hospital stay (assume average daily costs of $2,296)	$6,199.20
Open reduction & internal fixation of leg fracture	$3,339.00
Anesthesia	$745.00
ER Admission	$2,000.00
Plan Fracture Benefit	—
TOTAL	$12,283.20
Out-of-pocket expenses you pay	—

Procedure Description	Zero Deductible Insurance Pays (Plan 3)
3 day hospital stay (assume average daily costs of $2,296)	$9,000.00
Open reduction & internal fixation of leg fracture	$1,000.00
Anesthesia	$200.00
ER Admission	$200.00
Plan Fracture Benefit	$2,500.00
TOTAL	$12,900.00 paid by insurance
Out-of-pocket expenses you pay	$(616.80)

Procedure Description	Major Medical Plan Insurance Pays*
3 day hospital stay (assume average daily costs of $2,296)	$159.36
Open reduction & internal fixation of leg fracture	$3,061.46
Anesthesia	$745.00
ER Admission	$2,000.00
Plan Fracture Benefit	$0
TOTAL	$5,965.82 paid by insurance
Out-of-pocket expenses you pay	$6,317.38 (includes deductible and coinsurance)

Example — Vaginal Hysterectomy Due to Uterine Cancer

Procedure Description	In-Network Charges
Abdominal removal of uterus, cervix and lymph nodes on both sides of pelvis and aortic lymph node biopsy	$3,582.00
Anesthesia for removal of uterus	$1,836.00
3 day hospital stay (assume average daily costs of $2,296)	$6,199.00
Critical Illness Benefit	—
TOTAL	$11,617.00
Out-of-pocket expenses you pay	—

Procedure Description	Zero Deductible Insurance Pays (Plan 3)
Abdominal removal of uterus, cervix and lymph nodes on both sides of pelvis and aortic lymph node biopsy	$1,000.00
Anesthesia for removal of uterus	$200.00
3 day hospital stay (assume average daily costs of $2,296)	$4,500.00
Critical Illness Benefit	$5,000.00
TOTAL	$10,700.00 paid by insurance
Out-of-pocket expenses you pay	$917.00

Procedure Description	Major Medical Plan Insurance Pays*
Abdominal removal of uterus, cervix and lymph nodes on both sides of pelvis and aortic lymph node biopsy	$0
Anesthesia for removal of uterus	$0
3 day hospital stay (assume average daily costs of $2,296)	$5,329.00
Critical Illness Benefit	$0
TOTAL	$5,329.00 paid by insurance
Out-of-pocket expenses you pay	$6,288.00 (includes deductible and coinsurance)

* Assumes a $6,000 Deductible, 20% co-insurance & $7,150 maximum out-of-pocket
Schaumburg IL (60193)
Used www.fairhealthconsumer.org for average pricing
Hospital in-network charges are not available on Fair Health — used a 10% discount amount

Zero deductible
health plans

Get cash to pay for everyday services, like doctor office visits and hospital stays, with no deductible to meet.

Coverage for
active families

Affordable insurance for childhood immunizations, diagnostic lab work, office visits and more, at rates that fit nearly any family’s budget.

Large provider
network

Access to one of the largest provider networks in the nation, with 96% of providers within 20 miles from home.

Introducing Zero Deductible Insurance

Get cash benefits with no deductible

Traditional major medical insurance has continued to rise in costs, and medical deductibles have only gotten larger. For young families on a budget, they either skip necessary wellness checks or are paying all of their medical expenses out-of-pocket before they can meet their deductible, which for most, is thousands of dollars.

With PivotCare, an affordable alternative to major medical insurance offered by Pivot Health, healthy families can spend less on their monthly premiums and get cash benefits for medical services without ever having to meet a deductible before their insurance kicks in.

Differences Between Zero Deductible and Traditional Health Insurance

Compare with traditional health plans

Traditional Major Medical	Zero Deductible Insurance
Up to a $14,300 family deductible	NO deductible
20%-30% coinsurance responsibility	NO coinsurance
Required network for lowest cost	Same benefit no matter the network
Referrals required for specialists	No referrals necessary
Rate increases averaging 20% per year	Rate stability with limited increases

This health insurance product is not considered minimum essential coverage under the Affordable Care Act, and you may be subject to the tax penalty.

Spend 50% Less on Health Insurance*