Clients can receive between $2,500 and $10,000 in supplemental gap benefits if they are injured in an accident or are diagnosed with a critical illness
Daily Hospital Benefit for ANY sickness or Injury
Critical Illness benefit for children
Guaranteed acceptance
Access to FREE and unlimited doctor consultations
The face of the health insurance industry has changed. Plan availability, plan types, the choices available today ... they all challenge how you approach healthcare costs with your clients.
Make things simple. Design a plan for your clients offering the most innovative benefits and help them save money!
Show your clients the NEW way to do Health Care benefits:
When clients purchase a health insurance plan, what they actually have to pay out-of-pocket for medical care can be confusing. They may be responsible for $1,000s up front before their health insurance kicks in. With supplemental benefits, they get extra protection that helps pay for covered accidents and unexpected critical illnesses.
Our plans also include membership benefits that offer low cost video or telephone consultations with board certified doctors that can diagnose and provide prescriptions in minutes, plus discount vision services and a discount prescription drug card included with your membership. If your client wants to be smart about their health care dollars, we can help them spend less of their hard earned cash.
If your client has an accident or is diagnosed with a critical illness, supplemental benefits helps cover their insurance deductible, medical bills, the mortgage...whatever they need the funds for. This allows them to focus on the most important aspect of recovery, which is getting better.
The Kaiser Family foundation analysis finds that most families don’t have enough assets to cover a mid- to higher-range deductible in a private health insurance plan:
Less than two-thirds (63 percent) of non-elderly households with incomes above the federal poverty level have sufficient liquid financial assets to cover a mid-range annual deductible of $1,200 for an individual or $2,400 for a family.
In practical terms what this means is that people must choose to delay or forego medical care because they can't afford to pay for these deductibles, or they simply need the money for something else, such as food and shelter, or that $920 car repair.
About half (51 percent) of households have enough liquid assets to cover a higher-range annual deductible of $2,500 for an individual or $5,000 for a family.
A recent study by the Center for American Progress has also demonstrated that while employer costs for health care have decreased somewhat due to the spread of these high-deductible plans, health care spending on the part of workers themselves has increased.
In 2015 plans offered through Healthcare.gov, the average combined medical and drug deductible for single coverage in a silver plan was $2,556.
Despite the Affordable Care Act, affordable medical care for the majority of Americans continues to be a luxury rather than a right.