I have health insurance, why do I need supplemental?

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Suppose you are on vacation and you fall down some stairs, twisting your leg. You think it's a bad sprain, but the next day, you can't walk on your leg.  You go to the local "quick care" facility thinking they will wrap it and send you back to your hotel.  But after X-rays, they tell you that your leg is badly broken and must be casted and you have to use crutches.  Since you are out of state, you are told that you have to pay cash for the casting and crutches because your health insurance won't cover that.  What do you do?  You have to pay for it out of pocket, and probably from your vacation funds, right?  If you have the right supplemental coverage, you will have benefits to help cover most, if not all of the out of pocket expenses, AND you may be able to get your benefits within days, not weeks or longer!

The average cost of a broken leg could be several thousand dollars and depending on your specific health plan, you could still owe $3,000+ in out-of-pocket expenses that your medical insurance doesn't cover.  Get a plan to help protect you from these unexpected expenses

You, unfortunately, get a positive cancer diagnosis from your doctor.  You will be having surgery, chemo and radiation, and will be out of work for an unknown period of time.  Your spouse will also miss time out of work to care for you.  You have a rather large amount to pay out of pocket for medical procedures before your health insurance will start to pay, and then, it will only pay for a percentage of the treatments.  If you have a cancer policy from a reputable company, you will have benefits for your diagnosis, your surgery, as well as your chemo and radiation treatments.  Benefits are also available for other cancer-related services.  These benefits are to help you pay for your out-of-pocket expenses, but not just that!  If your health insurance is better than most, that's great!  But you will still need benefits to help keep your family's bills paid while you (and possibly your spouse) are out of work.  You get to recover without worrying about your finances!

We all know the tremendous costs associated with a cancer diagnosis and even after your health insurance has paid, you could still be left with several thousand dollars of out-of-pocket expenses to pay, not including your everyday living expenses. Some plans even include a rider that builds the payable benefit every year a covered person does not have that initial diagnosis! That's why it is important to get a cancer plan early! 

What would happen if you got up one morning and suddenly felt like you were having reflux, but within a few minutes, you are being transported by ambulance to the emergency room and soon thereafter, diagnosed as having a heart attack?  Suppose then, you spend several days in Intensive care, followed by open heart surgery and several more days in intensive care, then physical therapy.  During all of this, you miss 4 months out of work and your spouse misses a month of work to care for you.  What do you do to take care of your medical bills, not to mention your everyday expenses?  

The cost of a heart attack and related expenses could easily reach $500,000 or more, leaving you owing tens of thousands of dollars in medical bills and doesn't include your day-to-day expenses and bills.  This is why you need a critical illness plan to help, so you can concentrate only on getting well!

Not all medical expenses are from an accident or critical illness.  Sometimes, it starts out as something as simple as a visit to your local urgent care facility, but they discover something that needs immediate attention at the hospital, even possibly a surgical procedure and a stay in the hospital. A hospital plan is meant to help with the high deductibles and co-pays that are not covered by your health insurance. Some options are guaranteed issue, which means no medical questions. Options also include benefits designed to meet your needs in your life. There are a number of combinations available with this plan, but it is very easy to get it "just right" with the help of your benefits consultant!

Please note:  this specific plan is only available through worksite, payroll deduction, so ask your employer about this product if you don't already have payroll deduction.

Dental care is extremely important to your overall health!  A large percentage of people with no dental coverage are more likely to have heart disease. Some of our dental plans require no network, others do.  It depends on several factors that your consultant can go over with you to determine what plan you are eligible for and what will work best for you.  

*Please note:  Some plans have worksite payroll deduction requirements that your consultant can explain so you may determine what is best for you.

We have several vision plans available, some that require you to see network doctors, others have no network requirements.  Plans have varying degrees of annual exam benefits, as well as benefits for frames, lenses or contacts.  

*Please note:  Some plans have worksite payroll deduction requirements that your consultant can explain so you may determine what is best for you.

If you get injured or are out of work for an extended period due to an illness you will still need to have an income, so a short term disability plan can help with that!  There are many options available with these plans, so work with your consultant to get exactly what works for you!

*Please note:  this plan is only available through worksite payroll deduction.  If your employer does not have payroll deduction as an option, please speak with your consultant for options. 

Do you have enough life insurance?  In a recent survey, almost 40% of adults would like to have more life insurance on either themselves or their partners.  We can offer several different types of life insurance, some of which are guaranteed issue, with no medical questions asked*.  

What are some reasons people want life insurance?

1. To help loved ones with final expenses (funeral/burial/cremation expenses)
2. To replace lost income for loved ones left behind
3. To leave funds for the care of minor children
4. To leave funds for college for children
5. To pay off mortgage or auto loans so the family members will not have those concerns
6. For family members to pay estate taxes

Please speak with your consultant for all the options on life insurance.  You may choose a term policy (a policy for a specified amount of time), a whole life policy (that will be with you throughout your life), as well as some other options!

*Certain restrictions apply for guaranteed issue.  Please see consultant for details.

Some poilicies also pay benefits for routine medical exams.  This is to encourage prevention and early detection of certain diseases.  Under the Affordable Care Act, most people are eligible for one annual physical exam each year at no cost. That is no problem with these benefits...you still are eligible for the benefits if you have certain exams done. Please ask your consultant for details!

For most policies, there is no coordination of benefits, which means that it doesn't matter what other insurance you have (or don't have), benefits for certain policies will still be paid on policies you own!  Please ask your consultant for full details.

Most of these plans are fully portable, which means that you may take them with you, no matter where you live or work.  These policies that qualify are yours as long as the premiums are paid.  Premiums on most plans do not increase unless you upgrade the policy.  Your consultant can give you details on what policies are portable, as well as any other details referred to in this description.

Not all policies are available in every situation.  Certain policies have some restrictions that must be met to qualify for them.  Please see your consultant for details on any policy you are interested in.