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Health Savings Accounts (HSAs)
PPO (Co-Pay) Plans
Major Medical Plans/Comprehensive
Basic Medical, Hospital/Surgical
Critical Illness
Long Term Care Insurance
Supplemental Benefits
Short Term Health Insurance
Medicare Supplement
Description of some Medical and Health Care Insurance Plans:
Health Savings Accounts (HSAs)HSAs have been likened to Medical IRAs. Team a tax-qualified high-deductible health insurance (from a superior company) plan with a savings account that allowsyou to contribute "above the line" pre-tax dollars, to be spent on qualified medical expenses, and you achieve a system to better control your health care spending, tax-free. Plus the money in the Health Savings Account at years end "rolls over" to the following year. Furthermore, with our qualified health insurance plan you may purchase your health care at a wholesale rather than retail price and may even include a Wellness Care benefit with no co-pay, at your option. For more information regarding Health Savings Accounts, click here.
PPO (Co-Pay) Plans
We offer a comprehensive major medical co-pay plan, which provides coverage for medical treatment in or out of the hospital, surgical procedures in or out of the hospital, prescription medications in or out of the hospital and miscellaneous expenses in or out of the hospital. Choose from: $500 to $2000 Deductibles; Doctor Office Visit Co-Pays $25 to $45; Wellness Car Co-Pays $25 to $45; Outpatient Prescription Drug Co-Pays $15 to $20; Maternity Option and more.For more information regarding PPO (Co-Pay) Plans, click here.
Major Medical Plans/Comprehensive
These plans have no co-pays; consequently, the premiums are less expensive plus all eligible expenses count toward the deductible and health care pricing may be attained at the wholesale rather than retail level. Deductibles range from $500 to $10,000 with the same quality of coverage as described earlier i.e. medical treatment in or out of the hospital, surgical procedures in or out of the hospital, prescription medication in or out of the hospital and miscellaneous expenses in or out of the hospital and more. In addition, there is a Basic Medical, which is the least expensive of our plans with options for Doctor Office visit, maternity, life insurance and more. Also, this plancan be ideal to bridge the gap to Medicare and a supplemental plan.
For more information regarding Major Medical Plans/Comprehensive, click here.
Hospital/Surgical
A Hospital/Surgical plan is a limited benefit contract designed to provide for hospitalization and surgical expenses. We strongly discourage involvement in any hospital/surgical contracts due to the fact that approximately 60% of the Nations' medical care bill is in an out-patient format. Most hspital/surgical plans are deceptive in their design, to appear to be more comprehensive with the addition of "riders". Examples of such riders are: Doctor Office; Chemo therapy; Transplant. The other reason this type of insurance is not recommended is due to the cost to add all the riders and still have an inferior product that is typically much more than the cost of purchasing a quality major medical plan.
Critical Illness
Have you thought about where the money would come from if you were confronted with the diagnosis of a major condition such as cancer, heart attack, stroke, major organ transplant or End Stage Renal Failure? Money to pay for things such as: insurance deductibles, co-payments, other shared costs; travel to centers of excellence and lodging expenses; out-of-network specialists; housekeeping needs; home health care needs; experimental drugs and treatments; home or auto modifications.
Or, perhaps assisting with daily living expenses to help maintain quality of lifefor you ad your family: replacing your paycheck; mortgage payments; keeping your business going; college tuition payments, etc.
This plan is designed to pay a lump sum benefit (from $10,000 to $50,000) directly to you tax free1 at a time when you have enough to be concerned about.
Hopefully you are never faced with this situation, which is why there is a Return of Premium Benefit associated with this plan. If you die while this coverage is in force, the premium paid, less any benefits paid or due will be returned, up to the Lifetime Maximum Benefit Amount and the premium is set2.
This insurance pays in addition to any other insurance and by paying the premium as they come due, this coverage is Guaranteed Renewable for life. Furthermore, the rates will not increase on an individual basis or due to age and the benefits will not reduce at any age.
1. Consult your tax advisor to ascertain if this benefit applies to you.
2. The rates can only be changed if changed for all certificates of this type in Arizona and then only on a renewal date.
For more information regarding Critical Illness, click here.
Long Term Care Insurance
What is LTC?
Long-term care is something you may ned if youcan no linger perform everyday tasks by yourself. For example, there may come a time when you heed help getting dressed, eating or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease. You can receive this care in a variety of settings, including your home, an assisted living facility,community based care or a nursing home.
The need for long-term care usually arises from age or chronic illness, injury or disability. In fact, approximately 60% of us who reach age 65 will need long-term care at some time in our lives1 and it is not just a retiree's issue.
It Can Happen at Any Age
Many people do not realize that the need for long-term care can strike at any time. Statistics show that 40% of people receiving long-term care services are working age adults, between the ages of 18 and 64.1 Would you be prepared for long term care, if you suddenly required it? Where is the money going to come from.
You should NOT buy long-term care if: You can't afford the premiums, you have minimal assets and may qualify for Medicare, the Federal/State health care program for those who meet their State's poverty guidelines, your only source of income is a Social Security benefit or Supplemental Security Income (SSI).
You chould CONSIDER buyig long-term care insurance if: You have assets and income you want to protect, you want to avoid being financially dependent on others, you want to maintain choice on how and where to receive care.
For pennies on the dollar, wouldyou want to pass the cost to someone else? For more information regarding Long Term Care Insurance, click here.
1. "Where does the Population Live and Who Cares for Them? LTC: Diverse, Growing Populations Including Millions of Americans of All Ages,"U.S. General Accounting Office 1/01.
Supplemantal Benefits
Do you have a high deductible health insurance plan or just want to fill in the financial gaps your primay major medical plan does not pay? This plan will help pay for such items as : Doctor visits; Wellness check-ups; Hospital Confinement; Emergency room visits; Major diagnostic exams; Surger; Acute rehabilitation asmissions; Ambulance services (ground and air) and Hospital observation stays.
The premiums for this supplemental plan do not increase and as a fixed cost, is typically much less than if built into the primary major medical plan and the cash benefits are paid directly to you tax free1. You may use this cash to satisfy insurance deductible or for meeting out-of-pocket expenses that may not be covered by your traditional health insurance plan and there is no reduction in coverage or benefits based on the providers you select.
1. Consult your tax advisor to ascertain if this benefit applies to you.
For more information regarding Supplemental Benefits , click here.
Short Term Heath Insurance
This health insurance is designed for persons in between permanent health care plans, with a deductible choice of either $500 or $1,000. This is comprehensive short-term protection and pays up to $2,000,000 of eligible expenses for each covered person.
Coverage is available in increments of 60, 90, 120, 150, or 180 days andyou may reapply for one additional period.
This plan is in force for covered sickness or accident immediately after issue and covers accidents that occur and sicknesses that first manifests itself after the policy issue date. We will not pay for preexisting conditiond or diseases. See exceptions and limits.
You select the payment option that befits your needs; pay by check or credit card (Visa, Mastercard, orDiscover Card).
For more information regarding Short Term Health Insurance, click here.
Medicare Supplement
This is supplemental insurance to basic Medicare, also known as Medigap insurance.For more information regarding Medicare Supplement, click here.
All of the above information is believed accurate but is not guaranteed; please rfer to contracts for specifics.
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