What are Limited Medical Plans?

Limited Medical Plans for Prevailing Wage Workers

Nearly 45 million people lack health coverage in the United States. Of this, 8 out of 10 people who have no health coverage come from working families. People without health insurance tend to get sick more often and are likely to die sooner. Health insurance is an essential need for every American family. Our health is an asset that must be seriously taken care of.

As a contractor, your prevailing wage employees’ state of health should be an important matter to you. The state of health of your workers will determine their willingness to work and the quality of their output. A sickly employee will incur absences frequently, and will thus affect the output of the group. Offering your employees health insurance and other fringe benefits also gives your company a recruiting and retention advantage.

A Limited Benefit Medical Plan is not a comprehensive major medical plan, and is not intended to replace one. It is a plan that provides your employees with basic insurance coverage, capped at specific amounts for specific services. These kind of plans offer a wide variety of options designed for full-time workers, part-time workers, and prevailing wage contractors as well.

What are the benefits under a Limited Medical Plan?

Getting a Limited Medical Plan for your prevailing wage contractors as part of their fringe benefits provide them with the following health benefits:

  • Hospitalization
  • Doctor Consultation
  • Preventive Care
  • Outpatient Diagnostic X-ray and Lab Tests
  • Accident Coverage
  • Surgical Benefit
  • Prescription Drug Benefit
  • Vision Benefit
  • Dental Benefit
  • Employee Weekly Disability Income Benefit
  • Survivor Benefit
  • Employee Life Insurance
  • Accidental Death and Dismemberment
  • Dependent Life Insurance

What are the advantages of getting a Limited Medical Plan?

Limited Medical Plans offer the following advantages to your prevailing wage workers:

  • Guaranteed coverage, with no medical questions asked
  • There are no pre-existing condition limitations
  • No coordination with other health insurance plans are needed, the plan will pay in addition to other insurance your employees may have
  • There are also no additional costs for administration and claims
  • Continuation of coverage

Learn more about Limited Medical Plans for your employees, contact ARCHER JORDAN today.

ARCHER JORDAN is a team of insurance and benefits professionals who have been in the business for decades. Trust us to come up with medical plans and other fringe benefits, specialized to meet the needs of your wage workers. To know more about what we can offer you, call us at +1 888-745-0754 now!

5-Easy Steps to Fringe Benefit Compliance

In this FREE guide we’ll show you how to create a fringe benefit plan that secures your business



AD & D
Affordable Care Act
AK Prevailing Wage
AL Prevailing Wage
AR Prevailing Wage
AZ Prevailing Wage
CA Prevailing Wag
CA Prevailing Wage
CA Prevailing Wage 401k
Call Centers
CO Prevailing Wage
Compliance Tips
Critical Illness
CT Prevailing Wage
Davis Bacon Act
DE Prevailing Wage
Department of Labor
Disability Insurance
Employee Benefits
Employee Training
Employer Tips
Farm Labor Plan
Fixed Indemnity
FL Prevailing Wage
Fringe Benefits
GA Prevailing Wage
Government Contracting
Government Contractors
Health and Welfare Wrap
Healthcare Benefits
HI Prevailing Wage
Hospitality Benefits
Hourly Seasonal Workers
Hourly Workforce
Human Resources
ID Prevailing Wage
IL Prevailing Wage
IN Prevailing Wage
IO Prevailing Wage
KS Prevailing Wage
KY Prevailing Wage
LA Prevailing Wage
Limited Medical
MA Prevailing Wage
Major Medical Insurance
McNamara-O’Hara Act
MD Prevailing Wage
ME Prevailing Wage
MI Prevailing Wage
MN Prevailing Wage
MO Prevailing Wage
MS Prevailing Wage
MT Prevailing Wage
NC Prevailing Wage
ND Prevailing Wage
NE Prevailing Wage
NH Prevailing Wage
NJ Prevailing Wage
NM Prevailing Wage
NSRMCA Members
NV Prevailing Wage
NY prevailing wage
OH Prevailing Wage
OK Prevailing Wage
OR Prevailing Wage
PA Prevailing Wage
Part Time Employees
Podcast Guest Appearances
Prevailing Wage
Prevailing Wage Workers
Restaurant Group Benefits
Retirement Plans
RI Prevailing Wage
SC Prevailing Wage
SCA Audits
SCA Compliance
SD Prevailing Wage
Seasonal Workers
Service Contract Act
Small Business
State Prevailing Wage
SUB Plan
Supplemental Benefits
Supplemental Unemployment
Third Party Administrator
TN Prevailing Wage
Trust Services
TX prevailing wage
UT Prevailing Wage
VA Prevailing Wage
Violations – SCA
Voluntary Benefits
WA Prevailing Wage
WI Prevailing Wage
Workplace Health
Workplace Safety
WV Prevailing Wage
WY Prevailing Wage