Supplemental

Supplemental Information

Types of Supplemental Insurance include plans for:                         

• Accident(Sickness)
• Cancer
• Disability Income
• Hospitalization
• Medicare Supplement

Accident insurance helps by giving you specified benefits for hospitalization, emergency room care, recovery income, outpatient surgery and more. Accident plan protection coverages help you fill in the gaps in your major medical insurance coverage.  The cost of hospitalization, emergency-room care and outpatient recovery can cost more than an average family earns in a month, yet millions of Americans are not prepared to pay for any expenses that major medical insurance will not.  Our accident insurance plans are clearly written, easy to understand and can help pay for those uncovered expenses without breaking your budget.  Our accident coverage provides specified benefits for hospitalization, emergency room care, recovery income, outpatient surgery and more.


Five ways Accident insurance will take care of you and your family:

1. ACCIDENT AND SICKNESS INSURANCE COVERAGE BEGINS IMMEDIATELY UPON ISSUANCE: No waiting period.
2. BENEFITS PAID DIRECTLY TO YOU: Benefits are paid in addition to all other private insurance and are paid directly to you, or to whomever you choose.
3. PEACE OF MIND: You are protected 24 hours a day, every day of the year, both on and off the job.
4. NO AGE PENALTY: No reduction in accident benefits because of age or number of claims incurred.
5. PERSONALIZED COVERAGE: Individual or "Family Plan" Protection.

Cancer Insurance.  No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.

A cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy, including:

• Deductibles
• Out-of-network specialists
• Experimental cancer treatment
• Travel and lodging when treatment is far from home
• Childcare and household help
• Normal living expenses, such as your car payment, mortgage/rent and utility bills

Disability insurance provides benefits to you if you are totally disabled and unable to work.  Disability protection provides financial help, in the form of a set monthly benefit, to your family if you become sick or are injured and are unable to work.

For many people, losing just one paycheck can be difficult, but when accident or illness keeps you from working for an extended period of time, difficulty can turn into disaster. Without short term disability insurance, families can be forced to cut back on even the basics, like food, clothing, transportation and housing.  Our disability income insurance helps you replace some of the income lost due to a disabling accident or illness and we help you make the best choice for the right plan for you and your family.


Hospitalization insurance No matter how good your medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, we can help.


Some features of hospitalization insurance include:

• No deductibles
• Increased benefit amount for the first five days of hospitalization
• HSA compatible policies are available
• We don't use networks, so you can be treated at the hospital of your choice
• No precertification
• You own your policy, so even if you change jobs or retire, you can take it with you

Medicare Supplement policies in most states currently fall into 10 standardized plans. They are designated by the letters A through N. Plan F has a high-deductible version. Plans K, L, M, and N provide for different cost sharing and may have lower premiums. Medicare Select policies are similar to Medicare Supplement polices except that they have certain network restrictions.

• Plans D and G effective on or after June 1, 2010 have different benefits than those with effective dates prior to June 1.
• Plans E, H, I, and J were discontinued for sale after May 31, 2010. Policyholders with active coverage with effective dates prior to June 1, 2010 may keep their existing coverage and will not be required to change or buy a new plan.

Medicare Supplement Plan A offers basic benefits. Plans B through N offer additional specified combination of benefits such as skilled nursing co-insurance, Medicare Part A and B deductibles, Part B excess charges, foreign travel emergency, and Hospice.

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