Hospital and Surgery Indemnity
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No deductibles
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Hospital confinement & observation care
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ICU confinement
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Inpatient doctors visits
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Inpatient & outpatient surgery
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Outpatient Chemo/Radiation therapy
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This policy is “flexible”-you select the benefits that best meet your needs
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You select your own hospital or physician
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Benefits may be paid directly to you or whomever you assign
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All benefits “renew” each policy year
Catastrophic Disease
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One lifetime deductible. You choose your deductible amount
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Coverage for hospital charges
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Radiology
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Chemotherapy/Radiation therapy
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Surgery
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Nursing and rehabilitation
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Outpatient phototherapy
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No network restrictions-choose any hospital, doctor or facility
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Benefits for many types of services, in and out of the hospital
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This policy has a Renewal safeguard provision
Medicare Supplement Insurance
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Assistance with Part D coverage
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Free Dental and Vision component
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We offer many different supplement plans
Accident
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$500, $1,000 or $2,000 deductible
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Hospital room
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Emergency room/Urgent care
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Intensive care
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Miscellaneous hospital expenses
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Radiology
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Surgery
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Anesthesia
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Pathology
Dental & Vision
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No networks. You choose the doctor or dentist you want
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Preventative care with no deductibles
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Guaranteed renewable
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No waiting period for check-ups
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Up to $1500 per covered person per year
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Eye exams
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Lenses, frames and contacts
Outpatient Care
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No deductibles or co-pays
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Doctor’s visits
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Labs
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Imaging
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Colonoscopies
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Mammograms
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Ambulance
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Emergency room
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Prescription drugs
Home Health Care
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Coverage is available for ages 19-85
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No network restrictions or out of network penalties
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No deductibles or co-pays
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In home health care services
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Home health care aide
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Home medical equipment
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Home doctor’s calls
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Emergency room or Urgent care visits
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Prescriptions
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Dental, eye and hearing exams
Life Insurance
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Whole life coverage from $10,000-$250,000
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Simplified enrollment with no health examinations
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Premiums guaranteed never to increase
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Benefits will not reduce as you get older
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Guaranteed cash value
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Chronic and terminal illness benefits
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Short term care coverage
Why choose our health insurance plans?
Security
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The renewal safeguard provision means your policy cannot be canceled unless you fail to pay premiums as due, or if we cancel all the same policies in your state.
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You cannot be singled out for rate increases.
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The convenience and security of knowing that your agent or the Company is just a phone call away.
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First dollar benefits for some preventive care services with no deductible.
Convenience
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Initial premiums can be paid by MasterCard, VISA, Discover, American Express, check or money order.
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Tailor-make your insurance plan to fit your budget for affordable rates.
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Discount for initial annual premium over quarterly, semi-annual or monthly modes.
Freedom
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No pre-authorization, pre-admission or second opinion requirements.
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This is NOT managed care. You choose your own doctor hospital.
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We pay wherever you travel… anywhere in the world.
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Payment direct to you or the provider. You get to choose!
Personal Consultation
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Good anywhere in the world – in or out of the USA.
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Portability – you can take your insurance with you if you move or change jobs.
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First day, first dollar coverage on most claims, Pays regardless of other coverage you may have