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Members Supplemental Health Plans

MSIThe supplemental health plans listed below are designed to be combined with major medical health insurance plans. Many major medical plans have high deductibles, coinsurance, and/or co-pays. Supplemental plans provide additional coverage to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Combining a supplemental health plan with a high-deductible major medical insurance plan can help you lower your monthly insurance costs.


There are three supplemental health plans available through REALTORS® Insurance Marketplace:

NEW: TeleMembers TeleHealth provides NAR members with 24/7/365 access to MDLIVE, a network of over 2,300 U.S. state licensed and board-certified physicians and therapists who may be accessed for non-emergency medical issues through telephone, smartphone app, web chat, or email. Telehealth is currently one of the biggest trends in digital medicine and is an option that top companies have been employing to assist individuals with cost-saving solutions.

Benefits and Highlights

  • 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
  • Average length of time from booking to appointment is approximately 22 minutes
  • 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 Marketplace receive unlimited consultations
  • Designed to supplement a major medical plan as part of a cost-saving strategy

Eligibility

  • Members TeleHealth is available to all active NAR members and REALTOR® Association staff with NRDS IDs
  • MDLIVE is available in all states with the exception of AR, Guam, Puerto Rico, and U.S. Virgin Islands
  • Immediate family members (lawful spouse and/or children) may be added to a member’s plan if the Family Plan option is selected.

Pricing Information

  • 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 and a one-time discounted enrollment fee, there is no additional payment for services received.

NEW: ADPAccident Deductible Protection is coverage to help pay for out-of-pocket medical expenses incurred through an accident. Bonus: A complimentary subscription to the Members TeleHealth service plan is included in this plan, providing members with all of the Telehealth benefits listed above, at no extra cost.

Benefits and Highlights

  • 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.

Eligibility

  • Accident Deductible Protection is available to all active NAR members and REALTOR® Association staff with NRDS 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

Pricing Information

  • Accident Deductible 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


RCHIREALTORS® Core Health Insurance (RCHI) offers affordable, guaranteed-acceptance, Limited Medical plans. RCHI provides supplementary coverage for everyday healthcare needs.

 

Benefits and Highlights

  • 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

Eligibility

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

Pricing Information

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

Major Medical vs. Limited Medical

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.


How to Obtain This Offer

Online

  • Click here to go directly to all supplemental plans available through REALTORS® Insurance Marketplace
  • Click here to explore all of the insurance and wellness products available through REALTORS® Insurance Marketplace

Phone

  • Call 877-267-3752 to speak with a licensed Benefit Specialist

About This Program

Members Supplemental Health Plans are available through REALTORS® Insurance Marketplace. The Marketplace features a robust selection of health insurance and wellness products available to NAR members, including Major Medical health insurance options, REALTORS® Dental Insurance, and more. Shop, quote and enroll in the program of your choice within minutes.

Licensed benefits specialists are available to help members navigate insurance options and consultative services are complimentary.

Have your 9-digit NRDS number handy. If you do not know your NRDS number, you may look it up here.


Note: Supplemental health plans are not major medical policies and therefore do not meet the mandated coverage necessary to avoid penalty under the Affordable Care Act.