
Illness and medical bills contributed to more than 62% of all bankruptcies. And of those filing bankruptcy, almost 78% had health insurance
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Comprehensive supplemental coverage provides you the financial peace of mind in the event of an emergency or critical illness.
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Regardless of how 'High Quality' your major medical coverage is, a trip to the hospital or critical event could add
devastating financial consequences to you and your family.
WHAT
supplemental
health
insurance
Your supplemental insurance fills the holes and gaps of your major medical 'essential' coverage, and instead provides 'comprehensive' coverage by protecting you and you family both physically & financially. Offering you peace of mind in your worst times of health, so that you can worry about getting better, and not 'how are all bills going to get paid?'
WHY
Most people fail to realize not only the reality of the potential to end up in the hospital at some point or have a critical illness like: cancer diagnosis, heart-attack or stroke; but also the potential devastating financial consequences. Regardless of how 'high-quality' your major medical health insurance coverage is, it's not going to pay your 'out of pocket' costs or the monthly bills while you're out of work for days, weeks and sometimes even months.
WHO
Supplemental insurance is recommended for most everyone because it is designed to compliment your major medical by offering your financial protection for the 'what if's?' of life.
It isn't a one size fits all product and should be structured to your specific needs and concerns. From Dental & Vision to Accident & Hospital, we provide 360º protection so your protected both physically with your major medical and financially with your supplemental.

*P R O D U C T S
A C C I D E N T C O V E R A G E
*Summary
Pays a lump-sum benefit based on number of days of hospital confinement resulting from injuries caused by an unforeseen accident.
*Benefit Options
$5,000, $15,000, $20,000 or $25,000
14+ days: 100% of benefit
7 – 13 days: 60% of benefit
3 – 6 days: 30% of benefit
1 – 2 days: 15% of benefit, surgery required

H O S P I T A L C O V E R A G E
Summary
Benefit Amounts
$50-$1,000 per day
Benefit Periods
3, 6, 10, 21, 180, or 365 days
Optional Rider Benefits:
*Lump-Sum Hospital Confinement Rider
$250-$3,000 Limited to 1 Confinement per insured per person, per year
*Outpatient Surgery Rider
$250-$2,000 twice per year
*Skilled Nursing Facility
Benefit Amounts: $100-$500
Benefit Periods: Days 1-20, Days 21-100, Days 1-100
Emergency Care Rider
$100-$500 per insured person, per year, limited to four times per insured person, per year
*Outpatient Major Diagnostic Exam Rider
$100 - $500 two times per year for the following exams: CT, MRI, PET, CTA, EEG and EKG. Limited to 1 exam per insured person, per day.
Wellness Rider
$50 per year for covered wellness exams, including physicals, blood tests, colonoscopies, mammograms, vision exams, and more

C R T I T I C A L I L L N E S S
C A N C E R - H E A R T A T T A C K - S T R O K E
Summary
Benefit Amounts
$10-$100,000
Issue Ages
19-64
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*Included
Lump-Sum Heart Attack and Stroke Rider & Critical Condition Rider
Optional Rider Benefits:
*Invasive Cancer Recurrence Rider
Provides a lump-sum benefit equal to 50% of the Invasive Cancer benefit for recurrent diagnosis of invasive cancer.
*Heart Attack and Stroke Recurrence Rider
Provides a lump-sum benefit equal to 50% of the Heart Attack and Stroke benefit for a recurrent diagnosis of heart attack or stroke
*Skilled Nursing Facility
Benefit Amounts: $100-$500
Benefit Periods: Days 1-20, Days 21-100, Days 1-100
Emergency Care Rider
$100-$500 per insured person, per year, limited to four times per insured person, per year
*Outpatient Major Diagnostic Exam Rider
$100 - $500 two times per year for the following exams: CT, MRI, PET, CTA, EEG and EKG. Limited to 1 exam per insured person, per day.
*Wellness Rider
$50 per year for covered wellness exams, including physicals, blood tests, colonoscopies, mammograms, vision exams, and more

*we also provide a wide range of Premier Dental & Vision options