| Our clients frequently choose to participate in one or our
carefully designed Association or Supplement Plans.
These plans are used to compliment
an overall approach to health insurance. With health
insurance premiums constantly on the rise it often makes sense
to select an insurance plan which offers a higher deductible and
a lower premium. But what happens if you have an
unexpected claim and have a high deductible?
With an inexpensive Supplement Plan most of if not all of
your deductible and other costs associated with a claim may
easily be covered. These supplement plans are inexpensive
and when combined with a higher deductible major medical plan
will not only save you money each and every month in lower
premiums, but may actually lower you total out of pocket
expenses in the event you do have an unexpected claim. In
addition a Supplement plan may include other benefits' which are
not available with a traditional medical plan like help to cover
the costs for family members to travel to and from the hospital.
When combined with a health plan our Association/Supplement
plan can help save you a lot of money!
 PLAN WITHOUT SUPPLEMENT BENEFIT |
 |
PLAN WITH SUPPLEMENT BENEFIT |
| Health Plan Deductible |
$1,000 |
Health Plan Deductible |
$3,000 |
| Coinsurance out-of-pocket
|
+
$1,500 |
Coinsurance out-of-pocket
|
+
$1,500 |
| Total out -of-pocket
amount |
= $3,500 |
Total out -of-pocket
amount |
= $4,500 |
| |
|
Association Benefit
Amount |
-
$4,400 |
| |
|
Association Deductible |
$100 |
| Premium |
$3,561 |
Premium plus Association/Supplment
Plan |
+
$2,381 |
| Total out -of-pocket
amount |
+ $3,500 |
Remaining out-of-pocket |
+ $100 |
| Total cost to you |
$7,061/year |
Total Cost to You |
$3,381 |
|
|
*Example above is for
illustrative purposes only. Actual monthly
premiums may vary depending on family size and
age. |
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|
Do not be confused by the the many other
"supplement" policies available. Plans
which are supposed to supplement your major
medical insurance. Many times, that
disappointment can be traced to “coordination”
provisions — policy terms that limit benefits
for claims covered by a primary insurance plan.
Another cause for alarm are policies which
include "scheduled benefits" - plans which pay
something like $50 a day while you are in the
hospital. Fifty dollars a day in a
hospital won't help much at all when you are
facing thousands of dollars in claims.
Fortunately, our Supplement plan is different, you will:
• Receive policy benefits regardless of other
coverage they you may have.
• Benefits paid directly to you.
• Be able to reduce the amount of
out-of-pocket expense, such as major
medical deductibles and co-pays, incurred as the
result of an accident.
• Appreciate owning a policy that’s simple
and straightforward.
•
Clients can choose any hospital, physician or
medical facility.
•
Tailor the ideal client solution using a variety
of deductibles and benefit amounts. |
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Request an instant health
insurance
quote
now >> |
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