Carrier brochures
These are the carriers' own documents, exactly as the carrier publishes them. They are the detail behind the summaries on this site: what is covered, what is not, benefit amounts and the limitations that matter.
You do not need to give us anything to read them.
Medical Mutual Protect
- Health plan overview
- Catastrophic coverage
- Hospital and benefit packages
- Catastrophic: covered conditions in full
- Accident protection
- Dental benefits
- Everyday care membership
LifeX
Manhattan Life
Philadelphia American
Enrollment First
Vision
How to read a plan brochure without getting lost
- Find out what kind of plan it is first. Underwritten major medical, fixed indemnity and supplemental coverage all look similar in a brochure and behave very differently in a claim.
- Read the limitations and exclusions before the benefits. That section is where the real shape of the plan lives.
- Check the network by name, then check your own doctors against that network — not against the carrier's name.
- Look at how prescriptions are handled. Formularies differ sharply and can matter more than the premium.
- Check the state. A brochure is national; availability is not.
Plain-English glossary
| Term | What it actually means |
|---|---|
| Medically underwritten | The carrier asks health questions and decides whether to offer coverage, at what price, and with what exclusions. The opposite of guaranteed issue. |
| Guaranteed issue | Coverage nobody is declined for, regardless of health history. |
| Fixed indemnity | A plan that pays a set dollar benefit for a covered service rather than a percentage of the bill. Not major medical on its own. |
| Catastrophic layer | Separate coverage that engages for the large claims — the piece that protects you from a six-figure hospital bill. We use the word catastrophic because it is clearer than the industry term, specified disease. |
| PPO | A network you can use without referrals, with out-of-network coverage at a lower level. |
| EPO | A network with no out-of-network coverage except emergencies. Usually cheaper, less flexible. |
| Deductible | What you pay before the plan's major medical benefits engage. |
| Exclusion rider | An underwriting outcome where the carrier offers coverage but excludes a specific condition. |
| Premium tax credit | The ACA subsidy that reduces an exchange plan's monthly premium for households that qualify. If yours is large, an exchange plan is usually your better deal. |
| Open enrollment | The annual window for exchange plans. Private underwritten coverage does not use one — you can apply any month, subject to underwriting. |