| SUPPLEMENTAL
HEALTH INSURANCE - VOLUNTARY BENEFITS Add
additional coverage for your employees
without adding to costs. Employee paid
individual health insurance benefits are
gaining popularity and are a common
addition to well designed health
insurance plans. These supplemental
health insurance programs are the perfect
complement to traditional health
insurance programs. Searching for a
portable policy for your employees? Most
of the best supplemental programs can be
purchased by the employee to provide
personal health insurance protection. Get
details / free quotation from a local
agent.
Dental
A
good dental plan provides basic,
preventive and major dental benefits to
covered individuals. Often eligible
treatments are listed in the policy by
ADA (American Dental Association) code.
The best plans offer a dental wellness
benefit which is often payable once per
visit, regardless of the number of
treatments received. Some carriers
require that 150 days or more must
separate dental wellness visits for
benefits to be payable. Genrally, this
type of benefit is payable twice per
policy year per covered person on a good
plan. Some carriers require that a
dentist or dental hygienist must perform
the treatment. Under many plans there is
no waiting period for this benefit.
Click
here for Dental Information!
Accident
A
good accident plan is designed to help
cover the expenses associated with an
accidental injury. The best plans pay you
directly, unless you assign benefits,
regardless of any other insurance you may
have. Benefits are determined by state
and by carrier, but the best plans
include among others:
- Accident
hospital confinement
- Accidental
death and dismemberment
- Annual
wellness benefit
- Plus
many others
Click
here for Accident Information!
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Long-Term
Care
A
good long-term care policy provides the
assistance you need if you have a chronic
condition leaving you unable to care for
yourself for an extended period of time.
Benefits are determined by state and by
carrier, but good plans may include:
- Nursing
home
- Bed
reservation
- Alternate
plan of care
- Plus
many others
Click
here for Long Term Care Information!
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Life
Many
carriers offer term life insurance, whole
life insurance and a combination of both
to provide the level of coverage you
need. You can often apply for up to
$100,000 ($50,000 for applicants over age
50) total coverage. In addition, with a
good plan, most health questions asked on
your application for coverage do not
require a medical exam or blood test.
Often premiums will be automatically
deducted from your paycheck. A good plan
coverage will automatically include a
waiver of premium benefit in case of
total disability and the best plans offer
an accelerated death benefit.
Click
here for Life Information!
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Short
Term Disability
A
short term disability plan may help
provide you with a source of income if
you become disabled due to a sickness or
off-the-job injury. Many provide a
monthly benefit for periods of 3 months,
6 months, 12 months or 24 months. When
you own a short term disability insurance
plan, a good policy stays with you
regardless of job change.
Click
here for Short Term Disability
Information!
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Sickness
Indemnity
Some
plans pay a benefit when a covered person
is charged for required hospital
confinement of 14 or more hours for a
covered sickness or injury. Benefits are
determined by state and by carrier, but
may include among others:
- Physician
visit benefit
- Hospital
Confinements
- Surgical
benefit
Click
here for Sickness Indemnity Information!
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Cancer
Usually
when a covered individual is diagnosed
with cancer, a plan like this provides
benefits for hospital confinement,
radiation and chemotherapy and surgery,
among others. In addition, many cancer
policies will pay a first occurrence
benefit when a covered individual is
first diagnosed as having internal
cancer. Benefits are determined by state
and by carrier selected, but may include:
Hospital confinement Radiation and
chemotherapy National Cancer Institute
(NCI) evaluation/consultation. An annual
wellness benefit is a plus.
Click
here for Cancer Protection Information!
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Intensive
Care
Most
plans pays a benefit if you or any
covered individual is confined to a
Intensive Care unit, or sub-acute unit,
neonatal unit. Most plans pay regardless
of any other insurance you may have.
Click
for Intensive Care Information!
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Get a
free quotation from a local agent!
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