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