I am sure you have seen changes in your city with your health care recently. Whether it be prices with your premium, your deductible prices changing, or network.
With the Health Industry changing now, it will only continue to change with the Health Care Reform.
So now is the time to prepare.
One way to prepare is make sure you are covered in numerous situations.
Your probably thinking, "okay.... Well how do you do that? "
You want to STACK your benefits.
- Of course you have your Health policy.
- Then I give you coverage that will pay a benefit to you if an Accident were to occur.
- This could completely pay your deductible on your health plan. Or your other medical bills.
- Then if we have accidents covered. We will want to make sure you have something that will cover you if a Critical Illness were to occur.
- This play pays living benefits and also has a term life policy embedded in it.
What I do differently is help you plan a complete portfolio that will
provide a comprehensive health plan that includes preventive coverages.
- - - - - - - - - - - - - - - - - - -
I want to share more about the two Benefits you can't do without:
Critical Illness plans and Accidental plans
It's true, Critical Illness plans pay you...
That's right they pay you in the event of a critical illness, such as cancer, heart attack or stoke...
- Living benefits to help you through the most difficult time of your life, recovery.
- In addition, If you have a death of any cause the plan pays out 100% Benefit.
- You receive benefits when you need them the most and your family in the event that you die.
Not the most pleasant of conversations, but certainly comfort in knowing you or your family are taken care of in the event of a critical illness.WHY CRITICAL ILLNESS COVERAGE?
Approximately 1.2 Million people suffer heart attacks each year.
Approximately 780,000 people suffer from strokes each year.The Critical Illness plan is term life insurance that is designed to pay death benefits upon your death.
When the policy is in force it pays living benefits upon the first ever diagnosis of one the critical illness's or conditions listed on the covered list.
You can get up to a $250,000 face amount or less of coverage.
- - - - - - - - - - - - -
Now I want to help you if you have an Accident.
Another amazing product that pays your bills for you!Accident coverage
will pay for your medical expenses for hospital, emergency room and
confinement, doctor and surgeon, lab test and x-rays, and ambulance. WHY ACCIDENTAL PLAN?
One basic purpose is to pair up a benefit amount with your Deductible on your health plan.
This in turn will pay your deductible amount DIRECTLY to your health care provider in an accident.
This eliminates a $2,000 , $4,000 , or even $10,000 deductible that could hit your pocket if a bad accident were to happen.
- Offers Accidental Death & Dismemberment Benefits
- Automatic acceptance through age 64
- Benefits are paid directly to you or your provider.
- Emergency Helicopter Air Ambulance benefits
- - - - - - - - - - - - - - - - - -
The best thing about these plans is that they can go with you anywhere!
No matter what Health Carrier you have it will work with it.
If you ever switch your health plan it will move with you and fit in nicely with your new plan.
Now that I pointed out all the main points within the Critical Illness plan and the Accident plan you can see these are some great benefits!
Who would not want their deductible paid if an accident were to occur!
You are going to have to meet your Deductible and then your Maximum out of Pocket of your plan!
This could put you in Debt, Drain your savings account, or your Life savings!
No one ever wants to be paying all their premiums each month and then when an Accident occur or Critical Illness and then have to pay their $5,000 deductible or even more!
However, if you had a $5,000 Deductible and were able to pick up an Accident plan and Critical Illness. Then if something were to occur then you would get a benefit from either plan. Depending on the incident. This benefit money you receive from the Accident plan or the Critical Illness plan would then pay your Deductible, Max out of pocket, or other Medical Bills.
Virtually leaving you only having to pay your Premiums per month. Instead of having to worry about having a savings in case something happens to you!
As a Broker dealing with Health Insurance everyday. We can tell that this new STACKING idea is on the rise up!
With people having to worry about raising prices and changing products in the future.
Having these products should put your mind at ease knowing your family is covered in any situation where you can't physically pay your bills, due to a Critical Illness or Accident.
Ask me more about how I can help you with STACKING your Benefits!
