You help clients make confident decisions. Your own health coverage deserves clear answers and experienced guidance too. Our fixed benefit health plans combine no deductible or copays, nationwide PPO network savings, and scheduled benefits for covered care. The Jordan Insurance Agency helps you build the conversation around your consulting practice, client travel, and household.

For 20 years, The Jordan Insurance Agency has helped people make confident insurance decisions. We bring that experience and personal attention to your doctors, prescriptions, budget, and the care that matters to you. This program is underwritten by an established national insurance carrier and offers access to a nationwide PPO network.

Our health plan guide for independent consultants brings the benefits and consultation process together for your situation.

Health benefits built around your next step

Retainers, project fees, and client travel all shape an independent consultant’s schedule. We help you choose a benefit level and premium that fit the year you expect, check participating providers in the places you regularly work, and understand how to use your benefits. Included general virtual visits offer non-emergency phone or video care 24/7 at no additional charge, making everyday care conversations easier to fit around client meetings.

No deductible. No copays. Two ways to save.

You do not have to meet a plan deductible or pay a plan copay before a covered fixed benefit is payable. Your network discount lowers the eligible provider charge, and your scheduled benefit helps pay the remaining amount. You can see the benefit amounts before enrolling and choose the level that works for your needs and budget.

1. Use the nationwide network

Choose a participating doctor or hospital to access pre-negotiated rates. You can use other providers, but network discounts help your benefits go further. We’ll help you check your providers before you apply.

2. Apply your fixed benefit

For a covered service, the plan pays the amount listed in your benefit schedule to the provider or to you. The payment is based on your selected benefit level, not a percentage of the bill.

3. Put your benefits to work

Your network savings and scheduled payment work together to help cover the cost of care. If the benefit exceeds the eligible charge, the difference can be paid to you. Any charges above the benefit remain your responsibility.

See how the savings and benefits work together

For example, a $175 office visit could be reduced to $72 through a participating provider’s negotiated rate. With a $100 scheduled benefit, the visit is paid and the remaining $28 goes to you. For an X-ray example, a $238 negotiated charge with a $150 benefit leaves $88 to pay. These examples illustrate one benefit level; actual charges, discounts, and benefits vary.

At a participating provider, show your plan ID card. The provider files the claim and receives the applicable benefit payment to apply to your bill. When you use a non-network provider, you can submit the claim yourself. We can help you understand the process.

Benefits for everyday care and more

Available plan levels include scheduled benefits for the services below. During your consultation, we review the exact dollar amounts, visit limits, and state-specific terms alongside your quote.

  • Doctor and urgent care visits: Benefits for covered primary care, specialist, and urgent care appointments.
  • Wellness and screenings: Scheduled benefits for physical exams, certain health screenings, and eligible immunizations, with applicable age requirements and annual limits.
  • Hospital and surgical care: Benefits for covered hospital stays, emergency room care, eligible surgeries, and outpatient facilities.
  • Labs, imaging, and prescriptions: Benefits for covered laboratory tests, diagnostic imaging, and eligible generic or brand-name prescription fills, subject to the plan’s limits.
  • $0 general virtual doctor visits: Included access to unlimited general, non-emergency phone or video visits at no additional charge, 24/7. This is a separate service, not insurance; specialty virtual visits can cost extra.
  • Additional prescription savings: An included prescription discount program helps you compare pharmacy prices. It is separate from the policy’s prescription benefits and is not insurance.

How should you budget with retainers and project fees?

Consider the monthly amount you want to maintain alongside software, professional expenses, and other business commitments. A stable retainer and a large one-time project can produce different cash-flow patterns. Build the coverage budget around the year you reasonably expect rather than a single invoice.

Then review expected care: regular prescriptions, recurring appointments, dependents, and planned procedures. We explain both the premium and the amounts you may pay when using the plan. Keep your accountant involved in income-reporting and premium-deduction questions, especially if your practice operates through an S corporation or another entity.

Does your business structure change the coverage conversation?

It can change the questions you need to ask about eligibility, payment, and administration. Tell us whether you work alone, have employees, or use subcontractors. Covering your own household is a different decision from offering employee benefits.

Our health insurance guide for LLC owners and small-business coverage guide provide useful starting points. Coordinate tax treatment and payroll arrangements with your accountant; we focus on the insurance choices available to the business and household.

When should you review your coverage?

A new practice, a change in your spouse’s benefits, a move, a new employee, or a renewal notice can make a review worthwhile. Bring the dates and documents involved so we can check enrollment timing and the proposed effective date.

If you work through several client contracts, our 1099 contractor health insurance article addresses related planning questions. The purpose of the review is to help your coverage keep pace with the practice you are building.

What coverage paths can independent consultants review?

Your choices can include individual major medical coverage, a spouse’s employer benefits, continuation of a former employer plan when available, and eligible membership resources. Our featured fixed benefit program adds scheduled payments and network savings to the options we can explain. The self-employed health insurance overview provides a starting point for your practice.

If you are leaving a corporate role, confirm your benefits end date before your first independent engagement. Losing qualifying employer coverage can create a Marketplace Special Enrollment Period. Other enrollment opportunities depend on the plan; fixed benefit applications are accepted year-round subject to underwriting, approval and availability. We coordinate the coverage dates with the transition you are planning.

How does an S corporation affect a consultant’s premiums?

If you operate through an S corporation, tell your accountant how the policy is paid and your ownership percentage. The IRS has specific premium-payment and W-2 reporting rules for more-than-2% shareholder-employees. Handling those details correctly helps your adviser determine any available deduction. See the IRS guidance on S corporation health insurance.

Sole proprietors and other eligible self-employed people can also review potential premium deductions. Our self-employed health insurance deduction guide helps you prepare the records and questions. We explain the insurance; your tax professional confirms the treatment for your business.

Can you include an HSA, dental or vision in your plan?

If an HSA is one of your goals, confirm that your health coverage and circumstances meet contribution requirements. The featured fixed benefit policy alone does not establish HSA eligibility. Separate dental and vision options can also be reviewed around the appointments and providers your household uses.

For a consultant with recurring client travel, we check care access near home and regular client destinations. For a practice hiring its first employee, we review owner coverage and employee benefits separately. Our health insurance services support those decisions as your practice grows.

A consultation centered on you

Your free consultation is a chance to learn, ask questions, and explore coverage that fits your life, with no obligation to enroll. We bring the available benefits, your expected care, and your monthly budget into one conversation.

  1. Tell us what matters. Share your budget, preferred doctors, prescriptions, and the services you expect to use. We start with your priorities.
  2. Review your options. See the premium and benefit schedule together. We check provider participation and explain how the network discounts and fixed payments work.
  3. Choose with support. If you decide to apply, we help with the next steps. Our agency remains a resource for questions about your coverage afterward.

Personalize your protection

You can also explore separate accident, critical illness, and dental and vision options. We explain how those additional benefits can complement your fixed benefit plan and what each option costs, so you can choose what matters most to you.

Fixed benefit insurance pays scheduled amounts for covered services and is not a substitute for comprehensive major medical coverage. Applications are available year-round, subject to health underwriting, acceptance, and state availability. Preexisting conditions generally have a 12-month benefit limitation, with terms varying by state. Routine pregnancy and childbirth are generally excluded, with complications subject to policy terms. We review your health history, ongoing treatment, prescriptions, and planned care so the benefits and applicable exclusions are clear before you decide.

Learn more in our No Deductible Health Plans overview, or call (704) 926-7565 to talk with The Jordan Insurance Agency. Let’s put your health insurance questions into a clear, personal plan.

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