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Illness and medical bills contributed to more than 62% of all bankruptcies. And of those filing bankruptcy, almost 78% had health insurance

 

Comprehensive supplemental coverage provides you the financial peace of mind in the event of an emergency or critical illness.

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.  

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*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

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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

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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

*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

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

*we value privacy and do not solicit private information

*get a free quote
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