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DISCLAIMER NOTICE: This website only provides a brief description of key benefit features. Only the actual plan benefit provisions or policy will control benefit availability and any limitations or exclusions including those for pre-existing conditions. Benefit plans featured may contain both insured and non-insurance benefits. No benefit plans featured are ACA qualified major medical health insurance as defined by the Affordable Care Act. No benefit plans featured are intended to replace any in force major medical plan or be a substitute for any individual requiring such coverage. All benefit plans featured are voluntary. Plan provision and policy documents are available upon request via an authorized and licensed insurance agent. Smarthealth company is not an underwriter or direct benefit provider and does not pay claims.