Carrier Folder
SGIC
Southern Guaranty Insurance Company — The Peace of Mind People
Pinnacle Plans short-term medical, All American MedPlans fixed indemnity, optional riders, ReviveHealth pharmacy and MyHealth & Wellness Association (MWA) member benefits — pulled from the agent resource library for Team Savage agents.
Insured by SGIC, sold through MyHealth & Wellness Association (MWA) membership. Enroll once for up to 3 terms (36 months) of coverage, anytime enrollment (no qualifying event needed). National PPO network via First Health + MultiPlan — verify providers at www.sgicdualnetwork.com before service.
| Benefit | Preferred | Premium | Prestige |
|---|---|---|---|
| Per-Person Deductible | $5,000 / $7,500 / $10,000 / $25,000 | $2,500 / $5,000 / $7,500 / $10,000 / $25,000 | $2,500 / $5,000 / $7,500 / $10,000 / $25,000 |
| Coinsurance (SGIC pays) | 50% / 70% / 80% / 100%* | 50% / 70% / 80% / 100%* | 50% / 70% / 80% / 100%* |
| Coinsurance Max (you pay up to) | $5,000 / $10,000 | $5,000 / $10,000 | $2,500 / $5,000 / $10,000 |
| Coverage Period Maximum | $1,000,000 | $2,000,000 | $2,000,000 |
| Office Visit Copay | Primary $40 / Specialty $60 | Primary $40 / Specialty $60 | Primary $40 / Specialty $60 |
| Wellness Visit | Applies to Deductible & Coinsurance | $60 Copay | $40 Copay |
| Urgent Care | $80 + Deductible & Coinsurance | $60 + Deductible & Coinsurance | $60 Copay |
| Outpatient / Surgical Office | Applies to Deductible & Coinsurance | Applies to Deductible & Coinsurance | Applies to Deductible & Coinsurance |
| Inpatient Services & ICU | Applies to Deductible & Coinsurance | Applies to Deductible & Coinsurance | Applies to Deductible & Coinsurance |
| Outpatient Diagnostics | $60 + Ded./Coins. | $60 + Ded./Coins. | $60 Copay |
| Advanced Radiology | $500 + Ded./Coins. | Applies to Deductible & Coinsurance | $250 Copay |
Fixed-benefit indemnity coverage for self-employed/gig workers, budget-conscious families, and anyone without employer-sponsored insurance. Any doctor or facility (National PPO network available), anytime enrollment, predictable set-dollar benefits per service. 2-Year Rate Lock Guarantee. Subject to a 12-month pre-existing condition exclusion; not required to comply with ACA market rules.
| Benefit | MedRed | MedWhite | MedBlue |
|---|---|---|---|
| Deductibles & Maximums | |||
| Coverage Period Max Options | $100,000 / $250,000 / $500,000 / $1,000,000 — all tiers | ||
| Lifetime Maximum | $5,000,000 — all tiers | ||
| Deductible Options | $0 / $2,500 / $5,000 / $7,500 / $10,000 — all tiers | ||
| Family Deductible | 3x individual — all tiers | ||
| Inpatient Facility Fees | |||
| Hospital Confinement, Days 1-4 | $6,000/day | $4,000/day | $2,000/day |
| Hospital Confinement, Days 5-9 | $5,000/day | $3,000/day | $1,500/day |
| Hospital Confinement, Days 10+ | $4,000/day | $2,000/day | $1,000/day |
| Max Days per Person/Year | 30 (31 in TX) | 25 (31 in TX) | 20 (31 in TX) |
| ICU | $6,000 × 30 days | $4,000 × 30 days | $2,000 × 30 days |
| Mental Health / Substance Abuse | $150 × 14 days | $100 × 7 days | $50 × 5 days |
| Rehab / Skilled Nursing / Hospice | $1,000 × 7 days | $500 × 5 days | $250 × 3 days |
| Inpatient Professional Services | |||
| Inpatient Physician Care | $150 × 5 days | $100 × 4 days | $50 × 3 days |
| Inpatient Surgery | $8,000 × 3 days | $6,000 × 2 days | $4,000 × 1 day |
| Assistant Surgeon | 20% — all tiers | ||
| Anesthesia | 30% — all tiers | ||
| Outpatient Benefits | |||
| Physician Office Visit | $175 × 10 days | $125 × 7 days | $75 × 4 days |
| Chiropractic Care | $75 × 5 days | $50 × 3 days | $25 × 2 days |
| Mental Illness / Alcohol / Substance Abuse | $150 × 5 days | $100 × 3 days | $50 × 2 days |
| Outpatient Surgery | $5,000 × 3 days | $3,500 × 2 days | $2,000 × 1 day |
| Physician's Office Surgery | $300 × 3 days | $200 × 2 days | $100 × 1 day |
| Outpatient Surgery Facility Fee | $1,500 × 3 days | $1,000 × 2 days | $500 × 1 day |
| Preventive Care | |||
| Mammography / Pap Smear (1/yr) | $250 — all tiers | ||
| Colonoscopy (1/yr) | $750 | $500 | $250 |
| Wellness Care | $150 × 2 days | $125 × 1 day | $100 × 1 day |
| Emergency & Urgent Care | |||
| Urgent Care | $250 × 6 days | $200 × 4 days | $150 × 2 days |
| Emergency Room | $500 × 2 days | $400 × 2 days | $300 × 1 day |
| Ground / Water Ambulance | $500 — all tiers | ||
| Air Ambulance (1/yr) | $1,500 — all tiers | ||
| Additional Outpatient Services | |||
| Advanced Diagnostic Testing | $600 × 5 days | $400 × 4 days | $200 × 3 days |
| Radiation / Chemo / Dialysis / Immunotherapy | $500 — MedRed & MedWhite | $500 × 1 day | |
| X-Ray / Lab | $200 × 5 days | $100 × 4 days | $50 × 1 day |
| Injection | $25 × 2 days | $25 × 1 day — MedWhite & MedBlue | |
Riders are an optional addition to the STM base policy and must be selected during enrollment. Rider benefits are paid directly to the member, separately from the health plan, and can be used for any purpose — medical or non-medical.
Accident Medical Rider
Helps manage the high cost of care following a covered accident. Pays up to the full remaining covered cost after the rider's deductible is met.
Benefit amounts: $5,000 / $10,000 / $25,000
AD&D Rider
Pays benefits for the loss of life or the loss of certain body parts or function resulting from a covered accident. Claims must be filed within 180 days of the covered loss.
Benefit amounts: $5,000 / $10,000 / $25,000
Critical Illness Rider
Pays 100% of the selected benefit on first diagnosis of a covered condition: heart attack, stroke, kidney failure/ESRD, critical heart diagnosis, major organ transplant, permanent paralysis, or invasive cancer.
Benefit amounts: $5,000 / $10,000 / $25,000
Included with every Pinnacle Plan & MedPlans policy
$0 at the pharmacy for urgent-care prescriptions (70+ listed medications) at 70,000+ participating retail pharmacies including Walgreens and CVS. $0 free home delivery on 425 maintenance medications (3-month supply) through ManifestRx Pharmacy. 80% off retail on any prescription not covered by the program via a discount card. Live pharmacist consultations included. ReviveHealth is a non-insurance prescription solution — not dependent on the medical condition being covered by the health plan.
Every Pinnacle Plans policy is sold as an MWA membership, which bundles the STM policy with a wide range of savings and service benefits at no extra cost. Learn more at myhealth-and-wellness.com or call Member Services at 1-800-992-8044.
Health
- Teladoc — 24/7 telemedicine, free consults by phone or video
- Aetna Dental Access — 15%-50% off dental services
- Curalinc — mental health support
- Coast to Coast — vision (10-60% off eyewear, 40-50% off LASIK)
- TruHearing — hearing
Wellness
- Prioritize Wellness — fitness & nutrition
- Swanson — vitamin discounts
- Uni-Care AutoChiro — chiropractic discounts
- Point Health — Karis
- Family First
Lifestyle
- Allstate Identity Protection
- Roadside Assistance
- Safelite — auto glass
- Emergency Travel Assist
- SPOT — pet insurance discounts (up to 20% off)
These products are on SGIC's public site but weren't included in the agent brochure set above — use the Learn More links for full plan copy, and quote/enroll through your normal SGIC agent workflow.
Limited Medical
Affordable benefit-schedule coverage for everyday medical needs — office visits, urgent care, basic diagnostics — for members who don't need or can't afford full major medical.
PeaceGuard
Supplemental benefit plan built to help offset out-of-pocket costs from an unexpected illness or injury, paid in addition to any other insurance the member carries.
Hospital Indemnity
Not yet live on SGIC's public site as of this listing. Check back or ask your upline for current availability.
Member Portal Only
Listed on SGIC's site but not backed by its own marketing page — "Learn More" goes straight to the SGIC member login. Use your standard Med Supp resources or contact SGIC directly.
Provider & Network Search
Pinnacle Plans use the First Health + MultiPlan dual network. MedPlans use a National PPO network. Verify any provider is in-network before service.
Open Network Search →Agent Quoting Portals
Quoting and enrollment runs through two linked agent sites: QuotePro (members.sgicinsurance.com) for quoting all products, which redirects to E123 (enroll.sgicinsurance.com/manage) to submit applications and manage enrolled members. Log into E123 first to confirm your password before starting in QuotePro.
Southern Guaranty Insurance Co. — Clearwater, FL
AM Best B++ (Good) · Re-insured by Zurich AA- (Superior)
888-312-7442 (membership/billing) · 888-304-7442 (claims/eligibility)
Premier Insurance Benefits / Best Insurance Group (BIG)