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    Accident & health

    Limited medical

    Anne Dowdle

    Anne Dowdle

    Head of Operations - US Accident & Health

    Limited Medical insurance helps people guard against the financial risks associated with paying medical expenses, enabling them to fill gaps and protect their income and assets. The plan offers coverage for basic day-to-day health expenses, such as inpatient hospitalization.

    Our Limited Medical (fixed indemnity) is a gap protection product, which provides a benefit amount for a select set of medical services. It works well for groups with part-time or seasonal employees. The Hospital Confinement benefit is compatible with health savings accounts (HSAs).

    Key features include:

    • Flexible benefit options: The hospital confinement benefit is required. Other benefit options include physician's office/urgent care visits, emergency room visits, surgical and anesthesia benefits, lab work, x-rays, major diagnostic tests , and preventive care, as well as ambulance transport, mental health/substance abuse treatment or skilled nursing care.
    • Plan designs: Offer a broad spectrum of benefit levels.
    • Eligibility: Coverage is available to groups with a minimum of 10 lives. The insured individual must work at least 20-30 hours per week.


    The product may be offered employer-funded, or employee-paid (voluntary), or a combination of the two. It is offered on a guarantee issue basis with no medical underwriting needed. Dependent coverage is available.

    For additional information please review our Limited Medical summary.

    Benefits and range of options may vary by state. Premium will vary based on plan chosen. A waiting period for late entrants may apply. This policy is renewable at the option of the company. Beazley includes the issuing company of Beazley Insurance Company, Inc., 30 Batterson Park Rd, Farmington, CT 06032. Beazley is rated A by A.M. Best. Administrative services are provided by HealthPlan Services (HPS).

    State Approval Status

    Click here to view our state approval status by product


    Limited medical team

    Underwriters

    Anne Dowdle

    Head of Operations - US Accident & Health

    Anne Dowdle

    Minneapolis, MN, USA

    +1 952 656 7172

    Barry Johnson

    Business Development Manager (AIP)

    Barry Johnson

    Daniel McNeill

    Business Development

    Daniel McNeill

    Minneapolis, MN, USA

    +1 952 656 7182

    Jeff Morgan

    Business Development Manager (AIP)

    Jeff Morgan

    Atlanta, GA, USA

    +1 770 576 1546

    Tom Owen

    Underwriting - Accident & Health Insurance USA

    Tom Owen

    Minneapolis, MN, USA

    + 1 952 656 7176

    Jonathan Sheedy

    Business Development Executive

    Jonathan Sheedy

    Dallas, TX, USA

    +1 972 419 8011