• RCHI Overview
• Who Can Benefit
• Major Medical vs. Limited Medical
• Examples of How RCHI Works

Learn More... and take advantage of exclusive rates and plans.

According to surveys by the National Association of REALTORS® more than one in four REALTORS® lack medical insurance and many more are significantly underinsured. Ideally everyone would have major medical insurance but many do not qualify due to pre-existing conditions or simply cannot afford the high cost of coverage. While this issue continues to be debated in Washington (www.realtor.org/small_business_health_coverage.nsf), NAR is pleased to introduce REALTORS® Core Health Insurance (RCHI) - an affordable and guaranteed-acceptance limited medical insurance program designed exclusively for REALTORS® under 65.

REALTORS® Core Health Insurance provides guaranteed-issue, affordable limited medical plans which are exclusively designed and priced specifically for NAR members...

Simply put, it provides coverage for your everyday healthcare needs - helping to provide a safety net for people who do not have the luxury of being covered by a comprehensive health insurance plan.

• Guaranteed-acceptance**- No medical questions/exams required
• Low cost - Plans start as low as $70.69 per month
• Freedom to choose any provider
• Next day coverage is available
• Benefits include: doctor office visits, wellness visits, emergency room benefits, surgery benefits, a prescription discount card and more!

** Based on eligibility (age, member of NAR, and state availability)

Who Can Benefit?

RCHI was designed to help members who:

• Cannot afford - or are struggling to afford - health insurance
• Have major medical insurance with high deductibles, and who need affordable coverage for everyday healthcare
• Have tried to get health insurance and have been turned down
• Have a pre-existing condition that may be expensive or difficult to get traditional insurance coverage for, but that is covered by RCHI
• Are currently insured with high deductibles or out-of-pocket cost

The difference between major medical and limited medical insurance...

Ideally everyone would have "major medical" insurance, but many people simply do not qualify due to pre-existing conditions, or cannot afford the high costs.

Major Medical - provides catastrophic coverage and high limits of coverage (typically $1 million or more). Because major medical has become increasingly more expensive insurance companies have increased the out-of-pocket costs placing the everyday cost of healthcare on to the consumer.

Limited Medical (RCHI) - provides the guarantee of affordable insurance but limits its coverage to everyday illnesses and accidents. In addition, the maximum benefits paid in each medical situation are capped (limited).

Ideally everyone would have "major medical" insurance, but many people simply do not qualify due to pre-existing conditions, or cannot afford the high costs.

Examples of How RCHI Works

The REALTORS® Core Health Insurance plans are easy to use. With REALTORS® Core Health Insurance plans you can walk into provider offices with confidence. You will receive a professional ID card that you can present and the provider will have instructions on who to bill for your services. The insurance company will process the claim and send you an Explanation of Benefits (EOB). Rarely a provider will choose not to bill an insurance company directly; no need to worry; if you send in your medical bills and receipts they will be reviewed and processed by the claims department.

Example scenario on how the plans can work:

Bob has a wrist injury and needs out-patient surgery. He has accumulated 2 X-Rays, 2 Office Visits, and 1 Out Patient Surgery Procedure. The total procedure cost $3,700 and he has the REALTORS® Core Health Platinum Plan. Here is an example of how the plan could work:

Summary:

If Bob has the REALTORS® Core Health Platinum Plan and does not use/have PPO provider, he has to pay: $1,250 from $3,700 in services.
If Bob does not have the REALTORS® Core Health Platinum Plan, he has to pay: $3,700

PPO Option

This is an additional benefit to the REALTORS® Core Health Insurance plans where members may save additional money by accessing a network provider. Not all states are available.