It pays to protect yourself and your loved ones with health insurance. Members of the National Association of REALTORS® (NAR) are at a distinct advantage when it comes to coverage and cost savings, with access to a suite of supplemental options that can expand major medical coverage and potentially reduce total out-of-pocket expenses.
These add-on plans, available through NAR’s REALTORS® Insurance Marketplace, a program available through the REALTOR Benefits® Program, provide the well-rounded coverage they may need. For example, many major medical plans have high deductibles, coinsurance and/or co-pays. Combining a supplemental plan like Accident Deductible Protection or Members TeleHealth with a high-deductible major medical insurance plan may lower monthly insurance costs.
- Members TeleHealth
Members TeleHealth provides NAR members with 24/7/365 access to MDLIVE, a network of U.S. state licensed and board-certified physicians and therapists who may be accessed for non-emergency medical issues by telephone, smartphone app, web chat or email.
Using this plan helps you avoid long waits and eliminates the cost associated with potentially unnecessary visits to the ER or Urgent Care. Common medical issues treated include allergies, asthma, cold, flu, fever, headaches, stress, rashes, infections, nausea, pink eye, sore throat, and more.
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.
- Accident Deductible Protection
Adding Accident Deductible Protection coverage as a supplement to major medical insurance coverage helps pay for out-of-pocket medical expenses incurred through an accident. NAR members under 65 have access to low group rates, and individual and family plans are available. As a special bonus, a complimentary subscription to the Members TeleHealth service is included in this plan, at no additional cost.
- Vision Insurance
NEW! REALTORS® Vision Insurance offers two guarantee issue group plans. Both provide great, competitive rates, annual eye exam benefits and savings on frames, lenses and contact lenses:
Premier PPO Vision Plan – Choose from more than 42,000 network providers, including LensCrafters, Target Optical, Pearle Vision, Sears Optical and JCPenney Optical. This plan also includes discounts on LASIK and PRK procedures at select providers.
Freedom Vision Plan (non-PPO) – Visit the eye-care professional of your choice, applying coupons, discounts and negotiated prices to your payment, then submit a claim form and receipt for reimbursement. Includes an additional 15 percent discount on eyewear at Walmart Vision Centers.
- Dental Insurance
REALTORS® Dental Insurance plans provide coverage for preventive, basic and major dental expenses with the dentist of your choice. There are four plans to choose from, and most plans include bonus benefits like orthodontia, professional whitening, and more.
Over 300 procedures are covered, including Preventive Dental Benefits (no deductible for routine exams, cleanings, fluoride treatments, and more), plus Basic and Major Dental Benefits.
While you’re free to visit any licensed dentist, these plans do have a nationwide preferred network (PPO). Using an in-network provider can significantly reduce your out-of-pocket costs.
Access all your health and wellness benefits from NAR at REALTOR.org/RIM/RIS.
About the REALTOR Benefits® Program
Designed with you in mind, the REALTOR Benefits® Program is your official (NAR) member benefits resource, bringing you savings and special offers just for REALTORS®. Program partners are carefully selected, so you can be assured they understand the unique needs of real estate professionals and are committed to your success.
Make REALTOR.org/RealtorBenefits the first place you stop when you shop.
REALTORS® Insurance Marketplace
REALTORS® Insurance Marketplace (RealtorsInsuranceMarketplace.com) is an exclusive comparative online shopping site, providing NAR members with a roster of health and wellness plans and products, including a major medical health insurance exchange. All plans are from top-rated insurance carriers.
The site is powered by SASid, a trusted NAR partner that specializes in helping members find the best insurance plans and products for themselves and their families.
Interested in sharing this information with your agents? Visit the Broker Resources page on the Marketplace site. There you’ll find product information, downloadable banner ads, and more. Contact Joey Sarow, SASid Account Representative, with questions on Broker Resources at (608)709-2717.
Bob Goldberg is senior vice president, Marketing & Business Development, the National Association of REALTORS®.
For more information, visit www.realtor.org.