What are supplemental plans? What would happen to you and your family if you had an accident and weren’t able to work for weeks or months? What would you do if health insurance didn’t cover all of your expenses? Could you afford to provide for your family if you were diagnosed with Cancer and had to go through months of treatments?
As protected as you may think you are, health insurance will only cover so much. Fortunately, we have access to Supplement Plans that can help you in the times when you need assistance the most. We offer several options to help you fill the gap that may be in your financial plan.
Every day, people are diagnosed with cancer. It is devastating and can change their lives forever — emotionally, physically, and financially. Approximately 39.5% of men and women will be diagnosed with cancer at some point during their lifetimes. Source
Our main concern is easing your financial burden after a covered diagnosis and during treatment. A supplemental plan for cancer insurance that provides additional financial protection for the medical and non–medical costs of cancer, as well as its early identification and treatment. This policy provides direct payments to you (unless you specify otherwise), regardless of other major medical coverages you may have.
Annual expenses for care associated with treating heart conditions often exceed $2000, even with insurance. Our products offer coverage that provides additional financial protection for the medical and non–medical costs of many heart–related conditions, including heart attack, heart disease and stroke. During that time, costs add up — bills in your mailbox, car trips to the doctor, prescriptions and others. Our Heart and Stroke supplemental plan pays in addition to any major medical insurance benefits. Source
From work related injuries to traffic accidents, to trips, slips and falls, accidental injuries happen every day. Rarely do we stop and think about how an accidental injury may affect us. The average medical cost of an emergency department–treated unintentional injury in the U.S. is approximately $6,620. In addition to the medical costs, people treated for nonfatal injuries lose on average 11 days of work, valued at $1590 per person. Source
We want to help prepare you for those unforeseen circumstances. Our supplemental plan for accident coverage provides benefits in addition to employer–sponsored coverage and pays you specific amounts for care and treatment of covered accidents. With direct cash payments to you (unless you tell us otherwise), you can be back on your feet financially before you’re actually back on your feet!
If you become disabled, how long could you pay bills and provide for your family with reduced earnings? How long will the disability benefit from your employer–sponsored insurance plan last? Do you have enough set aside to cover the additional expenses caused by a disability?
What you have now and your plans for the future depend upon your ability to work and earn an income. If you’re like most people, you probably have insurance to protect your home, car, and savings — but do you have insurance to protect your ability to earn an income? At the bottom line, your income is the foundation that holds up the rest.
Our Disability Income insurance coverage can help you take care of important expenses: food, clothing, travel and lodging expenses, copayments, and medical costs not covered under other plans.