Want to make sure you are covered from out of pocket expenses? It pays when major medical doesn’t.

With our comprehensive planning, we can help make zero-out-of-pocket health expenses are reality. We combine major medical or your employer plan with supplemental options that safeguard against a huge deductible should something unforeseen happen.

Critical illness and accidents occur every second of every day! With the right supplemental coverage, these situations are paid for when you need it most. Below are some examples of what our supplemental plans may help cover:

• Insurance deductible

• Medical bills

• Rent/Mortgage

• Car payments

• Groceries

Major Medical

Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization. These plans usually have a deductible, which the policy holder is responsible for and once paid the plan usually covers the remaining cost of care. Some plans may also have co-pays. Each plan is different and you should speak to a licensed agent to be sure you have the right plan for you.

Fixed Benefit Health Insurance 

A fixed indemnity insurance plan, works differently than other insurance you might have had in the past that helped pay for health-related costs. Fixed indemnity insurance pays a set benefit per specified medical expense, as opposed to a share of the total covered costs after a deductible, which is an approach you might be used to.

Accident Medical Expense

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, as well as many other expenses. Each plan is different, so it’s important to understand your plan before purchase.

Critical Illness Protection

Critical illness insurance is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Group Health Plans

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Risk is spread across the organization, usually resulting in a lower cost. A licensed agent can get you additional information for your group plan.