No deductible · No copays · Nationwide network
You step in where students need you. Let us help you explore health benefits for your own busy life. The Jordan Insurance Agency offers personal guidance on fixed benefit plans with no deductible or copays, network savings, and convenient virtual care.
A fresh look at your options
Different classrooms, changing assignments, and school breaks make substitute teaching a unique working life. Explore scheduled medical benefits and provider savings with an agency that will help you understand the program around your own schedule and household needs.
Review benefits for covered doctor visits, urgent care, wellness services, and prescriptions. We’ll explain the premium and benefit level together so you can plan around the school year and the care that matters to you.
The Jordan Insurance Agency gives you personal help checking providers and understanding your next steps. Whether you teach occasionally or accept long-term assignments, your consultation starts with your coverage needs and questions.
How your benefits work
You don’t 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.
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.
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.
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.
Access a nationwide network with 58% average savings on combined inpatient and outpatient services, based on the network’s 2023 pricing data. Negotiated rates help your fixed benefits go further. Your savings will vary by provider, service, and location.
For a covered office visit, a participating provider’s negotiated rate can lower the charge, and your scheduled benefit helps pay that amount. If the eligible benefit is more than the charge, the difference can be paid to you. A large bill can exceed the benefit and you owe the difference. We’ll walk through the payment schedule and examples with your personalized quote.
Show your plan ID card. Participating providers file the claim and receive 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 options include scheduled benefits for the services below. We’ll review the exact dollar amounts, visit limits, and state-specific terms with your personalized quote.
Benefits for covered primary care, specialist, and urgent care visits. Different plan levels offer different payment amounts and annual visit limits.
Scheduled benefits for physical exams, certain health screenings, and eligible immunizations. Age requirements and annual limits apply.
Benefits for covered hospital stays, emergency room care, eligible surgeries, and outpatient facilities. Payment amounts depend on the service and plan level.
Benefits for covered laboratory tests, diagnostic imaging, and eligible generic or brand-name prescription fills, subject to the plan’s limits.
Included access to unlimited general, non-emergency phone or video visits at no additional charge, 24/7. It’s a convenient way to discuss everyday health concerns wherever your schedule takes you. Specialty virtual visits can cost extra.
An included prescription discount program can help you compare pharmacy prices, alongside the policy’s scheduled prescription benefits. The virtual-visit service and discount program are separate offerings. Neither is insurance.
Designed around real situations
Your work, your household, and your plans make your coverage needs personal. Here are some of the ways we can help you explore the program around your life.
Explore personal benefits alongside any options available through your employer, with help understanding your next steps.
Bring your current coverage dates so we can review how an individual policy’s terms fit your school-year plans.
Review your health needs and available benefit levels as you settle into a new classroom routine.
Keep the conversation centered on your personal providers, household, and coverage needs across assignments.
Included general virtual visits offer convenient access to non-emergency care outside classroom hours.
Explore available household options and review your family’s doctors and prescriptions with personal guidance.
Make a confident decision
Bring your questions. We’ll talk through your doctors, medications, budget, and the care that matters to you, then explain how the plan’s benefits can work in your situation.
We’ll review your health history, prescriptions, and planned care with you. This program is medically underwritten and has a preexisting-condition limitation commonly running 12 months. Routine pregnancy and childbirth are generally excluded, with only complications potentially covered under policy terms. Fixed benefit insurance is not a substitute for comprehensive coverage. Eligibility, benefits, and terms vary by policy and state; we’ll explain the details before you apply.
You can start with a personalized base-plan quote, then bring your questions to us. A consultation gives you a chance to put the premium and benefits together, check your doctors, and explore optional accident, critical illness, and dental and vision benefits around your needs.
Your next step
Your free consultation is a chance to learn, ask questions, and explore coverage that fits your life. We’ll explain the benefits, check your doctors, and discuss your options and costs together, with no obligation to enroll.
Share your budget, preferred doctors, prescriptions, and the services you expect to use. We’ll start with your priorities.
See the premium and benefit schedule together. We’ll check provider participation and explain how the network discounts and fixed payments work.
If you decide to apply, we’ll help with the next steps. Our agency remains a resource for questions about your coverage afterward.
Optional additional protection
Personalize your protection with separate accident, critical illness, and dental and vision options. We’ll show you how these additional benefits can complement your fixed benefit plan and what each option costs, so you can choose what matters most to you.
The Jordan Insurance Agency is licensed in the states below. Product availability and policy terms vary by state; ask us about yours.
North Carolina, Alabama, Arkansas, Arizona, California, Florida, Georgia, Indiana, Louisiana, Michigan, Missouri, Mississippi, New Jersey, New Mexico, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin and West Virginia.
Helpful resources
Common questions
Get familiar with the benefits, then let us help you explore the details for your own needs.
Yes. Substitute teachers can explore individually purchased coverage, including this fixed benefit program. The Jordan Insurance Agency can explain the scheduled benefits, provider network, premium, and application steps while helping you consider your current employer benefits.
An individually purchased policy follows its own coverage and premium terms rather than a classroom assignment. We’ll explain those terms and review your current benefits’ dates so you understand how the policy could fit your summer and school-year plans.
Yes. Available plan levels include scheduled benefits for covered primary care, specialist, and urgent care visits. Network discounts can also help reduce eligible charges. We’ll explain the payments and visit limits so you know how to use those benefits.
Yes. Included general, non-emergency virtual visits are available 24/7 by phone or video at no additional charge. That makes it easier to discuss everyday concerns around a teaching schedule. Virtual care is a separate service, and specialty consultations may cost extra.
Schedule a free consultation and bring your current coverage dates, doctors, medications, and budget. We’ll walk through the plan’s features and available levels, answer your questions, and help with the application if you decide to move forward.
Get answers from an agency that has been helping people for 20 years. We’ll explain your options, show you how the benefits work, and help you take the next step with confidence.
North Carolina Office
3540 Toringdon Way
Suite 200
Charlotte, NC 28277
Tennessee Office
159 4th Ave N
Suite 100
Nashville, TN 37219
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(704) 926-7565
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(980) 206-3356
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