TPA Clients will find Limited-Meds are attractive for numerous reasons besides premium savings…there is virtually no underwriting…no medical questions or physical exams…guaranteed issue….no pre-existing condition limitations with 5+ enrollees, availability to all employees…full-time, part-time, 1099, seasonal, temporary. Low minimum participation requirements. No employer contribution required. Freedom to go to any provider or use the PPO…but no benefit penalties. No deductibles, no co-insurance, no co-pays…its first dollar coverage. No COB. 12-month rate guarantees and more reasonable renewals since the benefits are fixed and unaffected by inflation. The carrier behind the Limited-Med we represent is Companion Life A+ rated by Best.