VIP Care to assist, guide and provide direction to each Comet Employee with our Healthcare Advisor, Karen Torsoe. Karen will guide you to the best health benefits to meet your needs in your location.  .

Estimated Employee Cost: 

Please note cost will vary depending on plan selected.

Preventative services – Your first line of defense and foundation for wellness 

There are no restrictions on where or who you see. Simply take a photo of your expense, submit it, and be reimbursed within 48 hours. Here’s what’s included: 

  • Annual Wellness Exams: Up to $4,500 per person, per year. 
  • Well Child Exams – Comprehensive coverage for preventive care. 
  • Gyn Well woman exam – including pap 
  • Mammogram including breast ultrasound or MRI following a positive mammogram after age 40 
  • Breast Thermography after age 40 
  • Derm Skin checks 
  • Cancer Screenings: Including mammograms, ultrasounds, MRI, thermography, colonoscopy, and Cologuard. 
  • Bone Density Tests and Blood Work: Lipid panel (cholesterol and triglycerides), Comprehensive Metabolic panel (CMP), Complete blood count with differential test, Thyroid Panel, Routine comprehensive Urinalysis, Hemoglobin A1C, Vitamin D level 
  • PSA screening for men 50 or earlier with family history 
  • Bone Density every 2 -3 years for women post menopause 
  • Vaccines: Flu, Shingles and Pneumonia vaccine 
  • Vision Exams: Up to $250 per person, per year. 
  • Dental Exams and Cleanings: Up to $250 per person, per year. 
  • Mental Health and Counseling Services: Up to $3,000 per person, per year. 
  • Physical Fitness: Up to $250 per person, per year. Very flexible, lessons, yoga, sports memberships 
  • Nutritional Health: Up to $250 per person, per year to gain or lose weight 
  • Highly Discounted Pharmaceuticals Access  
  • Smoking Cessation Programs: Up to $500 per person, per year. 
  • Financial Exposure Protection: Greatly reduces your financial exposure. 
  • 30 percent off link to FullScript.com where you can potentially save thousands on vitamins, homeopathics, natural and organic products, etc.  
  • Member Link for reimbursement – Expect payment within 48 hours from uploading the expense! 
  • End of life and funeral expenses: 10K primary and spouse, 2.5K dependents 

Larger medical needs: 

  • No restrictive networks 
  • You choose Intial Unshared Amount: 1k, 2.5k or 5K 
  • Members may choose  $1000, $2500 or $5000 IUA (like an insurance deductible) 
  • Initial Unshared Amount represents the total of any new accident, illness or injury 
  • Members are “self pay patients” up to the point of the Initial Unshared Amount (IUA) 
  • If a member anticipates the IUA being reached, they should begin a “Needs Case” 
  • Medical needs are shared in full after the Initial Unsharable Amount (IUA) is met 
  • The Needs Case remains open until no expenses have been submitted for 12 months  
  • A membership would never have more than 2 open Needs cases.  
  • Any Need above 3 needs in any 12 month period would be shared in full after a $500 threshold 
  • No Annual, lifetime, or maximum upper sharing limit 
  • Supportive of Alternative Health when a treatment plan is submitted & approved. Naturopaths, etc. included. 
  • Excellent Maternity Benefits – One IUA for entire pregnancy 
  • Sharing of a pre-existing Cataract after 1 year of membership, generous therapy option sharing, hyperbaric therapy, etc. – above and beyond insurance 
  • Sharing of Substance Abuse Treatment, Costs surrounding an attempted suicide, per guidelines