First Choice - CUL

Since we introduced one of the first Guaranteed Issue Health Insurance Supplements available to individuals back in 2003, BMC Agency, Inc. of Charleston, SC has remained committed to refining and revolutionizing the individual supplemental health marketplace. Over our 33 year history, BMC has partnered with several leading health insurance companies to develop timely and necessary health insurance plans. This experience made BMC a natural  partner for  Central United Life / Family Life to develop the FirstChoice Guaranteed Issue Hospital Indemnity Insurance Plans.

Today, there are a number of Guaranteed Issue Health Plans from which an individual might choose. Up until now, they have all looked pretty much the same. Not FIRSTChoice! Our true 'Defined Benefit' platform features a unique package of benefits, some  of which are  available  ONLY in FIRSTChoice and  in no other Guaranteed Issue plan. In addition, we have devised a benefit design strategy that  provides  a significant level of  benefits in the earliest days of  a hospital confinement  - -  when they are arguably needed the most.

By emphasizing plan designs tailored to deliver strong benefits for hospital confinement, while avoiding the elements most likely to be abused by the practice of 'defensive medicine,' FIRSTChoice offers a popular alternative to the competition.  Further, by limiting Guaranteed Issue eligibility to those primary insureds who work an average of 30+ hours per week, we avoid a high risk portion of the population  (the un and underemployed)  that is very expensive to insure, allowing us to provide benefits to working folks for less premium th a n w ould   otherwise  be possible .

  From our lowest  cost HSA Supplement, designed to reduce or eliminate the "Out of Pocket" costs left behind from  high deductibles and coinsurance, to our top - of -  the line PLATINUM Plan, which  provides  among  the very best ratio of 'benefits provided for premium received,' of  all  Guaranteed Issue plans, FIRSTChoice has a plan design to benefit almost anyone!

Compare our benefits and features to any competitor's Guaranteed Issue policy, and you'll see why  we believe  we are the "FIRSTChoice" in Guaranteed Issue health insurance! 

PLEASE NOTE :: If a client is applying for the Cancer and/or Accident plan as well, you will need the Cancer & Accident Application IN ADDITION TO the regular FirstChoice application. Rates can be found on the original application for the Cancer and Accident plans.