Members Supplemental Health Plans

• National network available 24/7, including holidays.
• All doctors are Board Certified with an average of 15 years experience.
• 2,300+ physicians and therapists from which to choose.
• MDLIVE has a mobile app to help members in scheduling appointments and maintaining their records.
• Common medical issues treated include allergies, asthma, cold, flu, fever, headaches, stress, rashes, diarrhea, joint aches, urinary tract. infections, vomiting, infections, nausea, pink eye, sore throat, depression, and more.
• NAR members who have enrolled in the plan via REALTORS® Insurance Place receive unlimited consultations.

• Members TeleHealth is available to all active NAR members and REALTOR® Association staff with Member IDs.

• Members TeleHealth is offered as a monthly subscription service with individual and family plans available.
• NAR members receive a group discounted monthly rate, and there is no copay.
• Other than the monthly rate, there is no additional payment for services received.

• NAR members have access to low group rates.
• Individual and Family coverage.
• Freedom to choose any provider.
• Benefit choices include a range of plan deductibles and plan designs, with maximum benefit amounts ranging from $1,000 to $10,000 with $100 or $250 deductibles.
• Plans are underwritten by United States Fire Insurance Company, rated A (“Excellent”) by A.M. Best.
• Designed to supplement a major medical plan as part of a cost-saving strategy.
   
• Bonus Benefit: Includes Members TeleHealth, which provides access by telephone, smartphone app, web chat, and/or email to a network of U.S. board-certified physicians who can prescribe or refill prescriptions. Members TeleHealth is available 24 hours a day and 7 days a week, and is a convenient way to address non-emergency medical issues. Unlimited visits and no co-pay.

• Members Accident Protection is available to all active NAR members and REALTOR® Association staff with Member IDs under the age of 65.
• Availability is on a state-by-state basis due to state laws. See website for details.
• Immediate family members (lawful spouse and/or children) may be added to a member’s plan if the Family Plan option is selected.

• Members Accident Protection is a Group Plan with discounted rates for NAR members.
• Pricing varies from state-to-state; there is a one-time discounted enrollment fee.

• Next day coverage available
• Three plan types available (Value, Physician, and Platinum)
• Freedom to choose any provider, with the option of a PPO network for added savings, in certain states
• Plans provide assignable benefits – the medical provider bills the insurance company directly
• Plan provides for doctor office visits, wellness visits, emergency room benefits, surgery benefits, a prescription discount card, and more
• 12-month pre-existing condition limitation on all hospital or surgical related expenses
• Underwritten by United States Fire Insurance Company, rated A ("Excellent") by A.M. Best
• Designed to supplement a major medical plan as part of a cost-saving strategy

• RCHI is available to all active NAR members and REALTOR® Association staff with Member IDs under the age of 65
• Availability is on a state-by-state basis due to state laws. See website for details. 

• RCHI is a Group Plan with discounted rates for NAR members
• Plans have a 10-day money-back guarantee with no contract needed

It is important to understand the difference between Major Medical (comprehensive coverage) and Limited Medical insurance. Major Medical provides catastrophic coverage and high limits of coverage (typically $1 million or more). Limited Medical (RCHI) provides the guarantee of affordable insurance but limits its coverage to everyday illnesses and accidents. In addition, with Limited Medical the maximum benefits paid in each medical situation are capped.