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Plan Background

Comprehensive Healthcare Coverage with Major Medical Plans

Prioritizing overall well-being is essential. Our Major Medical Plans are crafted to deliver extensive healthcare coverage, ensuring top-notch care without financial stress. These plans offer a wide range of benefits tailored to diverse needs, including comprehensive medical coverage, preventive care services, and flexible options to suit various budgets and requirements.

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Benefits of Major Medical Plans

Our plans provide extensive coverage for medical services, ensuring that all your healthcare needs are met.

Comprehensive Coverage

Our plans provide extensive coverage for medical services, including preventive care, chronic condition management, and emergency services.

Financial Protection

With significant coverage for medical expenses, our plans protect you from the high costs associated with serious illnesses and injuries.

Access to Specialists

Our network includes a wide range of specialists, ensuring that you receive expert care for specific health concerns.

Flexibility

Our plans are customizable to fit your unique healthcare needs and financial situation, allowing you to choose from various deductibles, co-pays.

Plan Options

Detailed Plan Summaries

Review the key features and coverage details of our three core Ultra major medical plans to find the right fit for your healthcare needs.

Essential Value

Ultra 6000

Lower monthly payments with robust protection for major unexpected medical expenses.

Network Coverage
Available in all 50 states nationwide.
Deductibles & Out-of-Pocket
Individual deductible: $6,000 | Family: $12,000. Individual max out-of-pocket: $9,450 | Family: $18,900.
Routine & Specialist Care
Preventive care 100% covered. Primary care copay $30, specialist copay $60, urgent care $60.
Prescription Drug Benefits
Generic $15, preferred brand $65, non-preferred brand $100.
Facility & Inpatient Services
Comprehensive coverage for lab work, radiology, emergency room, inpatient, and outpatient services.
Request Info on Ultra 6000
Most Popular
Balanced Choice

Ultra 3000

Moderate deductibles paired with extensive everyday coverage and preventive health benefits.

Network Coverage
Available in all 50 states nationwide.
Deductibles & Out-of-Pocket
Individual deductible: $3,000 | Family: $6,000. Individual max out-of-pocket: $9,450 | Family: $18,900.
Routine & Specialist Care
Preventive care 100% covered. Primary care copay $30, specialist copay $60, urgent care $60.
Prescription Drug Benefits
Generic $15, preferred brand $65, non-preferred brand $100.
Facility & Inpatient Services
Comprehensive coverage for lab work, radiology, emergency room, inpatient, and outpatient services.
Request Info on Ultra 3000
Maximum Protection

Ultra 1000

Lowest out-of-pocket costs with highest coinsurance coverage for frequent care needs.

Network Coverage
Available in all 50 states nationwide.
Deductibles & Out-of-Pocket
Individual deductible: $1,000 | Family: $2,000. Individual max out-of-pocket: $5,000 | Family: $10,000.
Routine & Specialist Care
Preventive care 100% covered. Primary care copay $20, specialist copay $40, urgent care $40.
Prescription Drug Benefits
Generic $15, preferred brand $65, non-preferred brand $85.
Facility & Inpatient Services
Comprehensive coverage for lab work, radiology, emergency room, inpatient, and outpatient services.
Request Info on Ultra 1000

Know about Our Network

Network

Our Major Medical Plans are available in all 50 states, offering a wide network of healthcare providers. Access to top-tier hospitals, specialists, and primary care physicians ensures you receive the best possible care.

Nationwide Coverage

Available in all 50 states.

Extensive Provider Network

Access to top-tier hospitals and specialists.

Primary Care Physicians

Ensure you receive comprehensive and continuous care.

Specialist Access

Easy referrals to specialists for specific health needs.

Quality Care

High standards of care across the network to ensure optimal health outcomes.

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Eligibility Criteria of Major Medical Plan

Open to individuals and families, our Major Medical Plans ensure that comprehensive support for your Major Medical needs is within reach.

Resident of the United States

Our Major Medical Plans are accessible to individuals and families residing in the United States.

Age Eligibility

Tailored to cover individuals of all ages, ensuring coverage throughout various life stages.

Ideal for a Balanced Lifestyle

Perfect for those who prioritize maintaining a balanced and fulfilling Major Medical.

Citizenship

US citizenship or legal residency status is a prerequisite for enrollment in our Major Medical Plans.

Cost Options and Coverage Scenarios

Our Major Medical Plans offer programs that are good for your Wallet and better for your Well-being. We provide easy, simple, and professional options to suit your financial needs.

Tailored Premium Options

  • Higher Deductibles, Lower Premiums: Enjoy lower monthly payments with coverage designed for unexpected medical events.
  • Lower Deductibles, Higher Premiums: Minimize out-of-pocket expenses when accessing regular care and specialist visits.
  • Balanced Deductible Options: Choose moderate deductibles and premiums for well-rounded, predictable coverage.

Customizable Plan Tiers

  • Ultra 1000: Tailored for frequent care needs, lower copays, and minimal out-of-pocket maximums.
  • Ultra 3000: Balanced for comprehensive routine wellness and chronic condition management.
  • Ultra 6000: Designed for cost-effective protection with robust essential coverage.

How To Apply

At Harbor Group USA, getting the coverage you need is a straightforward process. Follow these simple steps to enroll in your Major Medical Plan.

Step 1

Choose the Category on Website

Navigate our user-friendly website to explore the variety of plans we offer, choose the category

Step 2

Fill out the Form

Complete the quick online form to submit your request for a customized plan quote

Step 3

Get Expert Guidance

Receive expert advice from our agent and get a personalized quote tailored to your needs

Step 4

Compare and Choose

Find the ideal fit for your budget with flexible pricing and Enrollment options, supported by our agents

Step 5

Verification Process

After selecting your subscription plan, complete a quick verification process to ensure eligibility

Step 6

Confirmation of Enrollment

Receive prompt confirmation of your enrollment along with detailed plan information

Detailed Breakdown

Network Plan Comparison

Select a network below to view detailed coverage specifications, deductibles, and out-of-pocket maximums across our Ultra major medical plans.

Plan Details
Ultra 6000
Ultra 3000
Ultra 1000
Network Overview
Network
Cigna
Cigna
Cigna
Plan Availability
All 50 States
All 50 States
All 50 States
Benefits
Individual Deductible
$6,000
$3,000
$1,000
Family Deductible
$12,000
$6,000
$2,000
Individual Max Out of Pocket
$9,450
$9,450
$5,000
Family Max Out of Pocket
$18,900
$18,900
$10,000
Coinsurance
70%
70%
80%
Preventive Care
Covered 100%
Covered 100%
Covered 100%
Lifetime Maximum
No Maximum
No Maximum
No Maximum
Primary Care Copay
$30
$30
$20
Specialist Care Copay
$60
$60
$40
Urgent Care
$60
$60
$40
Laboratory
Diagnostic Test
$30 copay/visit
$30 copay/visit
Deductible then 20%
Radiology Services
Facility (CT, PET, MRI) up to plan allowance
Facility:30% of plan allowable, deductible does not apply.Professional Fees:30% after deductible
Facility:30% of plan allowable, deductible does not apply.Professional Fees:30% after deductible
Deductible then 20%
Facility & Professional Services
Emergency Room - Professional Fee
30% after deductible
30% after deductible
Deductible then 20%
Emergency Room - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Inpatient Hospital - Physician Fees
Deductible then 30%
Deductible then 30%
Deductible then 20%
Inpatient - Facility
Deductible then 30%
Deductible then 30%
Deductible then 20%
Outpatient - Physician
30% after deductible, subject to plan allowable
30% after deductible, subject to plan allowable
Deductible then 20%
Outpatient Hospital - Facility
30% of plan allowable, deductible does not apply
30% of plan allowable, deductible does not apply
Deductible then 20%
Out of Network
Deductible
$12,000/$24,000
$6,000/$12,000
$2,000/$4,000
MOOP
$18,900/$37,900
$18,900/$37,900
$10,000/$20,000
Coinsurance
40%
40%
60%
Reimbursement
Subject to plan allowable
Subject to plan allowable
Subject to plan allowable
Prescription Drug Benefit
Generic
$15
$15
$15
Preferred Brand
$65
$65
$65
Non-Preferred Brand
$100
$100
$85
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