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Benefits
Summaries (select
a type, company or coverage below,
or just scroll down the page)
I.
ALTERNATIVE COVERAGE
If you have been
“declined” for Health
Insurance, are diabetic, have high
blood pressure, heart trouble, or
cancer we can help reduce your medical
expenses. Have the benefits of negotiated
pricing coupled with limited benefit
accident and hospitalization.
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Transamerica
TransChoice
Plus™ Health Insurance |
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| >
$10 Prescription Cost/Generic |
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>
$500 In-Hospital and
Surgical Indemnity Benefit |
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$20 Prescription Cost/Brand
Name |
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>
$300-$1,000 Daily In-Hospital
Benefit (max 30 days) |
| >
$5,000 Accident Medical
Expense |
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>
$1,000 Daily ICU Benefit
(max 30 days) |
| >
$25,000 Basic Accident
D&D |
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>
$50 Doctor Office per
Visit Benefit (10 visits per
year) |
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Hospital & Physician
Repricing |
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>
$2,000-$4,000 Surgical
& Anesthesia Benefit |
| >
Mail Order Pharmacy |
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>
$100 Ambulance Benefit |
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(combined
pricing as low as $195/month
for an individual, $325/month
for a family)
CALL 1.877.732.1793
FOR SPECIFIC PRICING FOR YOU...
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II.
SUPPLEMENTAL COVERAGE
If you have “large
deductibles” on your current
major medical plan, have “family
histories” of specific health
issues such as cancer or heart disease,
or want to insure yourself against
all those expenses  major
medical does not cover then supplemental
insurance is for you. Supplement
insurance is not intended or designed
to replace major medical coverage.
AFLAC
| Personal
Cancer Insurance |
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Specified
Health Event (Heart &
Stroke included) |
| >
$2,000-$3,000 First Occurrence
Benefit |
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>
$5,000 First Occurrence
Benefit |
| >
$300-$600 Daily Hospital
Confinement |
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>
$2,500 Reoccurrence Benefit |
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$150 year Medical Imaging
Benefit |
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>
$300 Daily Hospital Confinement
Benefit |
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$300 Daily Radiation
& Chemo Benefit |
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>
$125 Daily Continuing
Care Benefit |
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$300 Daily Experimental
Treatment Benefit |
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>
$250 Ground $2000 Air
Ambulance Benefit |
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$100-$600 Skin Cancer
Surgery Benefit |
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>
50 cents/mile Transportation
Benefit |
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$100-$5,000 Surgical
Anesthesia Benefit |
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>
$75/day Lodging Benefit |
| >
$300 Hospital Surgical
Benefit |
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>
$250 Secondary Specified
Health Event Benefit |
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$350-$3,000 Reconstructive
Surgery Benefit |
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| >
$500 National Cancer
Institute (NCI) |
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(individual
rates as low as $13/month)
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| (Evaluation/Consultation
Benefit) |
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(individual rates as low as
$19/month)
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CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU...
| Personal
Accident |
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Life
Protector (Term Life Insurance) |
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$70-$100 Accident Emergency
Treatment |
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>
10 year; 20 year; or
30 year term |
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$1,000 Initial Accident
Hospitalization |
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>
$10,000-$200,000 Face
Amounts |
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$2,000 Initial Accident
ICU Benefit |
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>
Waiver of Premium Benefit |
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$250 Daily Accident Hospital
Confinement |
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>
Accelerated Death Benefit |
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$400 Daily ICU Confinement
Benefit |
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>
$25,000 Major Human Organ
Transplant Benefit |
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$35-$12500 Accident Specific
Sum Injuries |
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>
$250-$2,000 Ground/Air
Ambulance Benefit |
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$200 Major Diagnostics
Exam |
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(based
upon terminal illness diagnosis) |
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$200-$1,500 Ground/Air
Ambulance Benefit |
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>
Spouse 10 year Term Life
Rider |
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$600 Round Trip Hospital
Benefit |
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>
Child Life Insurance
Rider
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$125 per night Family
Lodging Benefit |
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(individual
rates as low as $15/month)
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(individual
rates as low as $36/month)
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CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU...
| Hospital
Protection |
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Hospital
Intensive Care Protection |
| >
$400-$500 Daily Annual
Hospital |
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>
$700-$1,300 Daily Hospital
ICU Benefit |
| Confinement
Benefit (limit 5 days/year) |
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(limit
15 days per period of confinement) |
| >
$100 Daily Hospital Confinement
Benefit |
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>
$350 Daily Confinement
in a Step-Down |
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$100 Invasive Diagnostics
Exams Benefit |
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Intensive
Care Unit (15 day limitation) |
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$50-$1,000 Surgical Benefit |
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>
$25,000 Major Human Organ
Transplant Benefit |
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$100-$300 Outpatient
Surgical Room |
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>
$250-$2,000 Ground/Air
Ambulance Benefit |
| Charge
Benefit |
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(individual
rates as low as $16/month)
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(individual
rates as low as $39/month)
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Benefits
and prices are partial representations
of terms and conditions. Policies
can include more, or less, benefits
with rates subject to change depending
upon the corresponding benefits.
Additional limitations and exclusions
will be required on certain policies.
CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU...
VALUE
BENEFITS of AMERICA
(AIG /Guaranty Trust Life/ United
States Life) |
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| VALUE
24 Hour Accident |
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Value
Health Plan (Sickness &
Accident Hosp./Surg.) |
| (Guarantee
Trust Life) |
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(United
States Life/AIG) |
| >
24 Hour Accident Coverage
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>
$500-$1000 Daily Hospital
Confinement (up to 1 year) |
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$2,500-$1,0000 Accident
Medical |
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>
$2,000-$4,000 Daily Intensive
Care (up to 30 days) |
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$100-$250 deductible
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>
$20,000 max Surgery Benefit
(pays scheduled amount) |
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$4,000 Emergency Helicopter
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>
$4,000 max Anesthesia
Benefit (pays scheduled amount) |
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$5,000-$10,000 Basic
AD & D |
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>
$125-$250 Emergency Treatment
Expense Benefit |
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Hospital & Physician
Repricing |
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>
$250-$500 Ambulance Service
Benefit |
| (family
rates as low as $30/month) |
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>
$250 Secondary Specified
Health Event Benefit |
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(individual
rates as low as $30/month)
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(individual
rates as low as $40/month)
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CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU...
VALUE
BENEFITS of AMERICA
(AIG /Guaranty Trust Life/ United
States Life) |
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| Value
Med Plan |
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Value
Emergency Room Plan |
| (Guarantee
Trust Life) |
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(Presidential
Life Insurance) |
| >
$75 per Doctors visit
(max 5-10/yr) |
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>
24 Hour Emergency Room
Coverage |
| >
$250 per visit Hospital
Outpatient |
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>
Sickness or Accident |
| Benefit
(max $1000/yr) |
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>
$1,000 max per ER visit
($100 deductible) |
| >
$200 Ambulance Benefit
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$100-$500 Daily Hospital
Benefit |
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(individual
rates as low as $20/month)
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| (max
365 days) |
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No deductible or co-pays |
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(individual
rates as low as $35/month)
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Benefits
and prices are partial representations
of terms and conditions. Policies
can include more, or less, benefits
with rates subject to change depending
upon the corresponding benefits.
Additional limitations and exclusions
will be required on certain policies.
CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU...
III.
LONG TERM COVERAGE
Major Medical
Health Insurance is not designed
to pay for Long Term Care Expenses.
Long Term Care Insurance is aimed
toward those expenses associated
with Nursing Homes, Assisted Living,
Home Health Care, Hospice Care,
Respite Care and have benefits targeted
towards Care Coordination, Caregivers,
Durable Medical Equipment, Home
Modifications and Alternate Care.
 MED
AMERICA INSURANCE COMPANY
MedAmerica offers a unique
Long Term Care Insurance Solution
that is based upon a pre-defined
Cash Benefit Account. Payments are
direct to the insured. Because the
payments are not based on “reimbursements”
to a provider, they are often used
to pay Family Members who are helping
in times of the insureds need. Once
eligibility is established through
a certified Licensed Health Care
Practioner and the preselected elimination
period has been met, payments are
made the month prior to incurring
expenses.
Simplicity
Long Term Care Insurance (Cash Benefit
Account)
Designed to be Tax Qualified
> $100,000/$200,000/$300,000/$500,000/$1,000,000
Cash Benefit Accounts
> $1,500/$1,6000
Monthly Cash Benefit
> 30/180
day Elimination Periods
> Lifetime/10
year pay/Paid up at age 65 (not
available if over 54 years of age)
> RIDERS
(Options to select for the policy)
> Community
Only (coverage provided when “not”
residing in a Qualified Facility)
> Facility
Only (coverage provided only when
residing in a Qualified Facility)
> Shortened
Benefit Period
> Refund
of Premium
> Restoration
of Benefits
> Survivor
Benefit
> Shared
Care
> Shared
Waiver of Premiums
> Simple
Benefit Increase
> Compound
Inflation (inflation protection)
(individual
rates as low as $30 month)
Benefits and prices
are partial representations of terms
and conditions. Policies can include
more, or less, benefits with rates
subject to change depending upon
the corresponding benefits. Additional
limitations and exclusions will
be required on certain policies.
CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU.
 UNITED
OF OMAHA LIFE INSURANCE COMPANY
Assured Solutions Plus
> Designed
to be Tax Qualified
> $50/$500
Nursing Home Daily Benefit
> $36,500/$1,460,000
Maximum Lifetime Benefit
> 10
year/20 year/to age 65 Premium Payment
Options
> 0/365
days Elimination Period
> 5
year Rate Guarantee
> 100%/300%
of Selected Daily Benefit for Professional
Home Care Services
> 50%
of Selected Daily Benefit for Basic
Home Care Services
> 100%
of Selected Daily Benefit for Adult
Day Care Services
> 10X
your Basic Services Daily Benefit
for a monthly Cash Benefit
> 5%
Simple or Compound Inflation Protection
> Waiver
of Home Care Elimination Period
> Waiver
of Premium
> Spouse
Shared Benefit
(individual
rates as low as $55 per month)
Benefits and prices
are partial representations of terms
and conditions. Policies can include
more, or less, benefits with rates
subject to change depending upon
the corresponding benefits. Additional
limitations and exclusions will
be required on certain policies.
CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU.
 JOHN
HANCOCK LIFE INSURANCE COMPANY
Leading Edge
>
Designed to be Tax Qualified
> $50/$500
Daily Benefit Options (in $10 increments)
> $1,500/$15,000
Monthly Benefit Options (in $100
increments)
> Total
Benefit/Total Pool of Money (multiply
daily/monthly benefit by 5 years)
> 10
year/to age 65 Premium Payment Options
> 100
day Elimination Period
> 100%
Nursing Home/Assisted Living Facility
Coverage (up to LTCI Benefit Amount)
> 100%
Home Health Care coverage (up to
LTCI Benefit Amount)
> Automatic
Inflation Protection (Total Pool
of Money automatically adjusted
according to CPI)
> 5%
Compound Inflation Protection
> Total
Homemaker Services (light housekeeping,
medication supervision)
> Additional
Stay at Home Services (home modifications,
durable medical equip)
OPTIONAL BENEFITS
>
Waiver of Home Care Elimination
Period
> Waiver
of Premium
> Shared
Care Benefit (partners/spouses)
(individual
rates as low as $69 per month)
Benefits and prices
are partial representations of terms
and conditions. Policies can include
more, or less, benefits with rates
subject to change depending upon
the corresponding benefits. Additional
limitations and exclusions will
be required on certain policies.
CALL
1.877.732.1793 FOR SPECIFIC PRICING
FOR YOU.
IV.
MAJOR MEDICAL COVERAGE
 UNICARE
Health Insurance Company (Individual
Health Insurance)
UNICARE
SAVER 2000
>
$2,000 Deductible (per
member, two member maximum)
> No
Additional Out of Network Deductible
> $3,000
Out of Pocket Maximum/$6,000 per
Family (participating)
> $10,000
Out of Pocket Maximum/$20,000
per Family
(non-participating)
> $5,000,000
Lifetime Maximum Benefit
> $30
Copay, 2 Office Visits per year
max, Deductible Waived (participating)
> 50%
Payment, 2 Office Visits per year
max, Deductible Waived (non-participating)
> 100%
Preventative Care, Well Baby/Children
thru 6, Immunizations (deductible
waived)
> 75%
Adult Preventative Care (participating)
> 50%
Adult Preventative Care (non-participating)
> 75%
Colorectal Screening (participating),
50% (non-participating)
> 75%
Professional Services (Surgery,
Anesthesia, Radiation), 50% (non-participating)
> 75%
Lab Work & X-Rays (participating),
50% (non-participating), $300
maximum
> 75%
Ambulance Service (participating),
50% (non-participating), Max $750
Air or Ground
> 75%
Initial Care of a Medical Emergency
(participating), 75% (non-participating)
> 75%
InPatient Hospital Services, 50%
(non-participating), $500 deductible
for non-emergency
> 75%
OutPatient Hospital or Surgical
Center (participating), 50% (non-participating)
RETAIL PHARMACY
>
$200 Brand Name Deductible
per prescription (up to a 30-day
supply), $500 maximum
> $10
CoPay for Generic Drugs (participating),
50% average wholesale price (non-participating)
> $30
CoPay for Brand Name formulary
drugs, 50% average wholesale price
(non-participating)
> 80%
Self Injectable Drugs (participating),
50% average wholesale price (non-participating)
(individual
rates as low as $78/month)
Texas
FIT 1500 Plan/Texas FIT 2000 Plan/Texas
FIT 3000
Plan/Texas FIT 5000
>
$1,500/$2000/$3000/$5000Annual
Deductible (per member,
two member maximum)
> $2,000
Additional Out of Network Deductible
> $3,000
Out of Pocket Maximum/$6,000 per
Family (participating)
> $10,000
Out of Pocket Maximum/$20,000
per Family
(non-participating)
> $5,000,000
Lifetime Maximum Benefit
> $30
Copay, Unlimited Visits, Deductible
Waived (participating)
> 50%
Payment, Unlimited Visits, Deductible
Applies (non-participating)
> 100%
Preventative Care, Well Baby/Children
thru 6, Immunizations (deductible
waived)
> 100%
Adult Preventative Care, Deductible
Waived, Max pmt $300 per member
(participating)
> 50%
Adult Preventative Care, Deductible/Applies,
Max $300 per member (non-participating)
> 75%
Colorectal Screening (participating),
50% (non-participating)
> 75%
Professional Services (Surgery,
Anesthesia, Radiation), 50% (non-participating)
> 75%
Lab Work & X-Rays (participating),
50% (non-participating)
> 75%
Ambulance Service (participating),
50% (non-participating), Max $1,000
Ground/$5,000 Air
> 75%
Initial Care of a Medical Emergency
(participating), 75% (non-participating)
> 75%
InPatient Hospital Services, 50%
(non-participating), $500 deductible
for non-emergency
> 75%
OutPatient Hospital or Surgical
Center (participating), 50% (non-participating)
> $30
per visit Physical Therapy, Occupational
Therapy, Acupuncture, Speech (max
12 visits)
RETAIL PHARMACY
>
$250/$500 Brand Name Deductible
per prescription (up to a 30-day
supply)
> $10
CoPay for Generic Drugs (participating),
50% average wholesale price (non-participating)
> $30
CoPay for Brand Name formulary
drugs, 50% average wholesale price
(non-participating)
> 75%
Self Injectable Drugs (participating),
50% average wholesale price (non-participating)
(individual
rates as low as $100 per month)
Texas
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