Critical Illness

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Critical illness coverage  provides cash benefit payouts to help  with serious covered illness or injury

Highlights:

Perfect for clients who:

• Provides lump sum cash payouts directly to the member    (assignment to a medical provider is available)

• Benefit pay-outs can be used on everything from mortgages to insurance deductibles

• These plans are not considered Minimal Essential Coverage under the ACA

• Want added protection against financial loss in case of a covered accident or illness

• Want help paying their medical plan’s high deductible 

• Guaranteed issue product that complements a members health plan (helps pay deductible if covered accident or illness)

• No coordination of benefits with medical insurance

• Missed Open Enrollment

• Don’t have a QE outside of Open Enrollment to change their plan to lower their costs

• Got a new job and have a waiting period before they are eligible for health benefits.

• Benefit Options may vary slightly by state so be sure you are viewing the correct brochure.

• Offers coverage periods up to 364 days, in some states

• Option to use any provider or facility

• Offers traditional deductible and out-of-pocket costs

Short Term Medical Coverage is non-ACA compliant health insurance that can be purchased outside of Open Enrollment and without a qualifying event.

Short Term Medical

Products offered by (Click logo to quote):

Products offered by (Click logo to quote):

Fixed Indemnity

A Fixed Indemnity Plan pays fixed-benefit amounts to protect against covered medical expenses resulting from hospitalization, surgery, chemotherapy and radiation services.

• No plan calendar year, or lifetime dollar amount maximums. Maximums vary per covered benefit. 

• Helps protect against financial loss associated with unexpected hospital stays or surgical procedures.

• Guaranteed renewable

• No enrollment periods. 

• No coordination of benefits

• Do not have access to affordable ACA compliant plans and are looking for alternative ways to protect themselves and their family

• Prefer first dollar benefits with no deductible 

• Like having the ability to see any doctor in any network

• Need a flexible start date in the middle of the month