Looking For Information about the Family Motor Coach Association (FMCA) Health Plan?

Scroll down to read our review and details of the New Era Fixed Benefit Health Plan offered to FMCA Members and how it compares the United HealthOne Fixed Benefit Health Plan offered by RVer Insurance Exchange.

 These are not ACA ‘Obamacare’ plans and should not be mistaken for ‘major medical health insurance’. Instead these are fixed-benefit health plans that indemnify either you or your medical provider for medical services rendered at a fixed benefit level.

Lately we have been getting asked about the new healthcare plan that the FMCA is offering its members-only. They are promoting it but the details are not public. Well, we’ve got you covered. The plan being offered by FMCA is a fixed-benefit health plan offered from New Era/Philadelphia American insurance companies (rated B++ ‘good’ by A.M. Best). This is also the same health plan being offered by a new RV Club called Road Life Project.

We offer a different fixed-benefit health plan to the RV community from United HealthOne and feel strongly that ours is far better than the one you can get from the FMCA (which you have to have a 2 year membership to purchase).

The annual and lifetime limits on the United HealthOne plan are unlimited whereas the New Era plans have limits. Overall the United Healthcare simply offers better protection in virtually every category. But don’t take our word for it! We have taken the top plans from FMCA’s offering and the top plans from our United HealthOne options and placed them side-by-side for you to compare.

In addition to the overview comparison below we also have the complete benefit details available for you to compare in closer detail at the bottom of the comparison chart below.

Fixed Benefit Plan Comparison (2019/2020)

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

UnitedHealthOne plans offered by RVer Insurance Exchange

BEST Fixed Benefit Plan!

New Era plan offered to FMCA Members

Enroll Through RVer Insurance Exchange!

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Guaranteed Issue – No Medical Questions

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Guaranteed Renewable until age 65

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Same Rates for All Ages

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Includes $5k Life Insurance, $20k Critical Illness, and $25k Accident Death benefits (cash)

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Enrollment Open all Year

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Insurance Company Rating by A.M. Best

UnitedHealthOne plans offered by RVer Insurance Exchange

A (Excellent)

New Era plan offered to FMCA Members

B++ (Good)

Nationwide Network

UnitedHealthOne plans offered by RVer Insurance Exchange

YES (PHCS Multiplan)

New Era plan offered to FMCA Members

YES (PHCS Multiplan)

Lifetime Benefit Maximum

UnitedHealthOne plans offered by RVer Insurance Exchange

UNLIMITED

New Era plan offered to FMCA Members

$5M

Annual Benefit Maximum

UnitedHealthOne plans offered by RVer Insurance Exchange

UNLIMITED

New Era plan offered to FMCA Members

$250k, $500k, $1M

Maximum Days Paid for Inpatient

UnitedHealthOne plans offered by RVer Insurance Exchange

UNLIMITED

New Era plan offered to FMCA Members

unlimited to Calendar Year Max $250k-$1M (also subject to Lifetime Max $5M)

Maximum Daily Inpatient Sickness Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$5000

New Era plan offered to FMCA Members

$4500

Maximum Daily Inpatient Injury Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$10,000

New Era plan offered to FMCA Members

$6000

Maximum Daily Inpatient Surgery Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$10,000

New Era plan offered to FMCA Members

Based on Medicare Reimbursement Rates

Maximum Daily ICU Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$10,000

New Era plan offered to FMCA Members

$6750

Maximum Daily Outpatient Surgery Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$10,000 x unlimited

New Era plan offered to FMCA Members

Based on Medicare Reimbursement Rates

$0 Deductible Plans

UnitedHealthOne plans offered by RVer Insurance Exchange

$0, $1k, 2.5k, and $5k available

New Era plan offered to FMCA Members

Maximum Daily Urgent Care/Office Visit Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$100

New Era plan offered to FMCA Members

$100

Maximum Days Paid for ICU

UnitedHealthOne plans offered by RVer Insurance Exchange

31-60 per confinement

New Era plan offered to FMCA Members

20/year

Maximum Anesthesia Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

30% of surgery benefit

New Era plan offered to FMCA Members

25% of surgery benefit

Pays Separate Assistant Surgeon Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

20% of surgery benefit

New Era plan offered to FMCA Members

20% of surgery benefit

RV Club Membership Required?

UnitedHealthOne plans offered by RVer Insurance Exchange

NO

New Era plan offered to FMCA Members

2 YR FMCA

Emergency Room Maximum Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$500 x 2

New Era plan offered to FMCA Members

$250 x 2

Preventive Care Annual Benefit

UnitedHealthOne plans offered by RVer Insurance Exchange

$250

New Era plan offered to FMCA Members

$125

Air and Ambulance Maximum

UnitedHealthOne plans offered by RVer Insurance Exchange

$1000 ground/$5000 air

New Era plan offered to FMCA Members

$500 ground/$1500 air

Where Can I See Plan Details?

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

Where Can I Enroll?

UnitedHealthOne plans offered by RVer Insurance Exchange

New Era plan offered to FMCA Members

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