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Fully
Insured Critical Illness Policy
Up
to $10,000 in Critical Illness Coverage per Family Member
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combined with an Accident Policy to form the perfect complement
to a Health Savings Account
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The
average HSA policy holder will rarely meet the deductible
on their high deductible health plan during an average
year. There are two main scenarios that would cause
someone to exceed their high deductible – an accident
(defined as an unexpected event that results in an injury)
or a critical illness (defined as a Heart Attack, Stroke,
Cancer, Renal Failure, Coronary Artery Bypass Surgery,
Major Organ Transplant, ALS, Multiple Sclerosis, Alzheimer’s).
Either
of these problems could result in a trip to the emergency
room that could cost hundreds or thousands of dollars.
The combination of an accident plan with a critical
illness policy is an ideal means for HSA
for America members to protect themselves
from both of these potential costly expenses, making this
coverage the perfect complement to any high
deductible HSA-qualified health insurance plan.
Accident
Benefits:
An
accident plan will reduce your deductible for an accident
to only $100. Any benefits paid for by your accident
plan will also go towards satisfying your family’s
annual deductible for your HSA plan. The critical
illness option will pay either $5,000 or $10,000 directly
to the covered policy holder 30 days after the diagnosis
of any qualified illness, funds which can also be used
to pay the deductible of one’s high deductible,
HSA-qualified health insurance plan.
HSA
for America teams with from Affordable
HealthCare Options (AHCO) to offer three different
accident plans, each with only a $100 deductible, and
all of which can be combined with Critical Illness (additional
cost listed below) coverage:
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$5,000
Accident coverage - The cost of this
plan, individual plan $29.95 per month,
while family coverage is $34.95 per month.
Includes $10,000 in accident death and dismemberment
coverage.
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$7,500
Accident coverage
- The cost of this plan, individual plan $34.95
per month, while family coverage is $39.95
per month. Includes $25,000 in accident
death and dismemberment coverage.
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$10,000
Accident coverage
- The cost of this plan, individual plan $44.95
per month, while family coverage is $49.95
per month. Includes $50,000 in accident
death and dismemberment coverage.
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Critical
Illness Benefits:
Diagnosis
of Heart Attack, Stroke, Cancer, Renal Failure, Coronary
Artery Bypass Surgery, Major Organ Transplant, ALS,
Multiple Sclerosis, Alzheimer’s must occur after
Limited Accident & Sickness coverage has been in
effect for 90 days or more. If member is diagnosed
any mentioned illnesses, the benefit will pay the amount
shown in the Schedule of Benefits for this benefit.
The covered person must be under 65 years of age and
survive for a period of thirty (30) days after diagnosis.
The plan will pay this benefit only once regardless
of whether the covered person is diagnosed with more
than one of the covered illnesses.
$5,000
Critical Illness Plan
- $5,000
Critical Illness coverage
- $10,000
additional Accidental Death & Dismemberment coverage
- VIP
Health & Wellness Savings Program (including Diabetic)
- Free
24 hour Nurse-On-Call
- Prescription
Savings Card
| Cost: |
Individual
add $12.95 to Accident plan price
Family add $34.95 to Accident plan price |
$10,000 Critical Illness Plan
- $10,000
Critical Illness coverage
- $20,000
additional Accidental Death & Dismemberment coverage
- VIP
Health & Wellness Savings Program (including Diabetic)
- Free
24 hour Nurse-On-Call
- Prescription
Savings Card
- Long
Term Care Savings Program
| Cost: |
Individual
add $24.95 to Accident plan price
Family add $59.95 to Accident plan price |
Get
additional details and apply online by clicking the
link below
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