Expect the Unexpected

Apply for additional health and financial protection against the unexpected.

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Adding specific supplemental insurance can help you get the complete coverage that best meets your needs at any given time in your life.

Because One Size Doesn’t Fit All

Insurance needs vary depending on your age, interests, and stage of life. Not everyone is concerned about the potential loss of income associated with a critical illness as the sole provider for a family with small children.

Being prepared is important as you never know when a critical illness or accidental injury can happen.

Health Insurance

Supplemental coverage must often be paired with a health insurance plan.

Accidental Injury Insurance

Accident Insurance

Giving you some added protection in case you’re hurt in an accident, accident insurance can pay you cash benefits for your medical bills.

Because accidents happen

Even if you have health insurance, the extra costs of an accidental injury can still take a lot out of your pocket. If you don’t have health insurance, the bills could cost you even more.

If you’re hurt in an accident, Accident insurance can pay you cash benefits for your medical bills. Our plans don’t replace your other health insurance coverage, they’re an addition to it – a little added protection.

Can I avoid the ACA penalty with Accident Insurance?

Actually, you must already have Affordable Care Act (ACA) minimum essential coverage in order to qualify for Accident insurance.

Accident insurance is not the same as major medical or comprehensive health insurance and it does not provide the mandated coverage necessary to avoid a penalty under the ACA.

Learn more about Accident insurance...

Supplemental Accident Coverage

Supplemental Accident Benefit

Have a Short Term plan? Adding a Supplemental Accident benefit to your Short Term coverage can help cover the cost of an unexpected injury.

What is Supplemental Accident Insurance?

A missed step, a patch of black ice, a fall from the playground swing – unfortunately, sometimes small things have a big impact – physically and financially. While a simple arm fracture might be treated in a doctor’s office relatively inexpensively, a more severe open-arm fracture requiring a hospital stay, surgery, and physical therapy can cost more than $60,000!1

What are the benefits of being prepared?

  • Choose a maximum benefit amount: $1,000, $1,500, $2,500, $5,000, or $10,000, per accident, per covered person.
  • Help cover your deductible or other medical expenses.
  • Expenses must be eligible for payment with your health insurance plan and happen within 90 days of an injury.
  • Any amount paid by the benefit will first go to the deductible and coinsurance of your health insurance.
  • Any remaining payment will be made to your hospital. If you have already paid your medical bill, you will get the payment.
Learn more about Supplemental Accident insurance...

Critical Illness Insurance

Critical Illness Insurance

Paired with other plans, Critical Illness insurance can help you after a diagnosis of a qualified condition by paying you a cash benefit.

How is Critical Illness insurance different from Health insurance?

While health insurance helps offset the high cost of medical expenses during an illness, it doesn’t cover living expenses like your mortgage, your car payment or your groceries. Critical Illness insurance policies help you focus on your recovery, not missed paychecks by paying out cash for any qualifying serious illness.

What critical illnesses are covered?

100% of your Critical Illness maximum lifetime benefit amount can be paid out for:

  • Heart attack
  • Life-threatening cancer (diagnosed more than 90 days after effective date)
  • Loss of hearing
  • Loss of speech
  • Loss of vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke

25% of Critical Illness maximum lifetime benefit amount can be paid out for:

  • Carcinoma in situ
  • Coronary artery bypass graft
Learn more about Critical Illness plans...

Disability Income Insurance

Disability Income Insurance

Disability Income insurance can provide a monthly check to help cover living expenses if you are unable to work due to accident or illness.

What is Disability Income insurance?

You protect your family’s health, your car, and your home with insurance. But what about insurance for your paycheck? What would happen if an accident or illness prevented you from working? Disability Income insurance can provide a monthly check (tax-free) to help cover things like, food, rent, utilities, or a car payment for up to five years (depending on the coverage you select).

What are the advantages of Disability Income insurance?

  • Flexible plan options to cover accidents and illnesses
  • Money can be used for medical and living expenses as you see fit
  • Benefit is usually tax-free
Learn more about Disability Income insurance...

Discount Card for Prescriptions

Discount Card

By using a Discount Card, you can save 10-50% on hundreds of health care products and services from participating providers and facilities.

What health services and products do I get discounts on?

The Discount Card offers a variety of savings. Available discounts2 can include:

Medical: Save on medical supplies and equipment, hospital and outpatient surgery, primary and specialist doctor office visits, and ancillary services such as urgent care, diagnostics and physical therapy.

Pharmacy: Enjoy typical savings of 18-20% on commonly prescribed generic and name brand drugs at approximately 60,000 leading drugstores and supermarkets.

Dental: Save 10-35% on cosmetic services, endodontics (e.g., root canal treatment), general dentistry (e.g., cleaning, X-rays, and fillings), oral surgery, orthodontics, periodontics (treatment for gum disease), and prosthodontics (e.g., crowns, bridges, veneers, inlays, dentures, and dental implants).

Hearing Care: Members can save typically 10-60% on hearing aids and ancillary products from more than 6,500 hearing centers nationwide.

Behavioral Health: Save typically 15-35% on treatment from over 38,000 behavioral health providers, and 15-20% at 680 facilities3 nationwide. Services include addiction treatment, counseling, pediatric behavioral health, psychology, and psychiatry.

lternative Care: Take advantage of a typical savings of 20% on acupuncture, chiropractic care, massage therapy, and natural medicine.

Cosmetic Services: Members can typically save 15-30% on popular cosmetic surgical procedures including breast augmentation, liposuction, tummy tuck, face lift, and rhinoplasty, and 30% 30% off usual and customary charges on laser hair removal, microdermabrasion, and cellulite reduction therapy.

Infertility Treatment: Members trying to conceive can typically save 20-30% on reproductive care from physicians and facilities in the ParentSteps® network.

Which drugstores accept the Discount Card?

Use the Discount Card at 60,000 drugstores nationwide, including:

  • Albertsons
  • Costco
  • CVS
  • Dominick’s
  • Duane Reade
  • Eckerd Drugs
  • HEB
  • K-Mart
  • Kroger
  • Long’s
  • Marsh
  • Meijer
  • Osco
  • Publix
  • Raley’s Drug
  • Centers
  • Rite-Aid
  • Safeway
  • Sam’s Club
  • Shoprite
  • Target
  • Walgreens
  • Walmart
  • Winn-Dixie

Call Customer Care at (800) 513-9213 for more locations.

Learn more about the Discount Card...

Hospital Indemnity Product

Hospital Indemnity Insurance

Hospital Indemnity insurance provides payment for each day in the hospital and other qualified expenses. You choose how to spend the money.

What is Hospital Indemnity insurance?

The cost of medical care especially a hospital stay – can strain the healthiest of budgets. Hospital Indemnity insurance provides payment for each day in the hospital and other qualified expenses. You are free to spend the money however you choose. Use the cash to meet your deductible, make up for lost income, or to cover all of those incidentals that your regular health insurance doesn’t.

What are the advantages of Hospital Indemnity insurance?

  • Benefit payments are yours to use however you like
  • Payment amount is the same if using an out-of-network provider
  • No deductible to meet
  • Coverage is available for the entire family
  • Renewable until age 65
Learn more about Hospital Indemnity insurance...

Term Life Benefit

Term Life Insurance

Term Life insurance can ease some of the financial burden your family might face without you. Choose from multiple terms and benefit levels.

What is Term Life insurance?

Undoubtedly, your death would cause turmoil in the lives of those closest to you. If your family relies on your income or if your death is preceded by a critical illness requiring prolonged and expensive medical care, the financial implications alone could be devastating. Term Life insurance with Critical Illness coverage4 can at least ease some of the financial burden your family might face without you.

What are the advantages of a Term Life policy?

  • Lump-sum benefit is paid upon your death
  • Optional Critical Illness benefit is tax-free5 and can be used as you see fit
  • Choose from multiple terms and benefit levels
  • Remain eligible for coverage until age 75

Learn more about Term Life insurance...

Travel Insurance

Travel Health Insurance

Travel health insurance can help ensure that you receive quality health care abroad offering short-term or long-term coverage.

What kinds of services can I expect?

We’re pleased to offer travel health insurance in affiliation with a leading worldwide medical insurance broker, International Medical Group® (IMG®). IMG’s global insurance programs go beyond standard health insurance services by providing:

  • International Service Centers to ensure service is available in the U.S. and overseas.
  • Multilingual Services to remove language barriers when asking global health care benefit questions and submitting claims.
  • Medical Management Services to ensure 24/7 access to an on-site Chief Medical Officer and registered nurses to coordinate emergency services and international treatment.
  • International Travel Insurance International Currency Conversions to help eliminate costly conversion fees and expedite the receipt of funds.

Who needs Travel insurance?

International Travel Insurance for Business Trips

Who Needs Travel Insurance?

Consider Travel health insurance if you are:

  • A traveler planning a vacation outside of the U.S.
  • A travel industry employee
  • A business executive
  • An expatriate
  • A missionary
  • A student traveling abroad
Learn more about Travel insurance...

Pet Insurance

Pet Insurance

Pet health insurance can help you cover the cost of your pet’s basic health care as well as unexpected illnesses, accidents and injuries.

What types of plans are offered?

  • Plans that cover both accidents and illnesses like broken bones and diabetes
  • For an additional premium, plans can be purchased that provide coverage for routine items like spaying/neutering, teeth cleanings and shots.
  • Limited coverage plans are also available that cover specific items like cancer or major accidents. These plans can be purchased on a stand-alone basis or added to a full-coverage plan.

When should I insure my pet?

Protect your pet for a lifetime. You can enroll pets as young as seven weeks old, and coverage never stops based on age.

Buying pet health insurance when your pet is healthy, rather than when signs of illness have already started to show, is critical because your pet is only covered for conditions that have developed after insurance is purchased.

Learn more about Pet insurance...

1 Examples provided are for illustration purposes only and assume all expenses are covered. All these services were received in April 2014 from network providers in ZIP Code 322--. Your actual savings may be more or less than this illustration and will vary by several factors. Policy Form 6-C-410.

2 Your actual savings will vary based on the health care professional you select and the care you require. Not all specialties are available in all areas.

3 Savings on behavioral health facilities are not available to continuing patients.

4 Optional benefits require additional premium.

5 See your tax advisor for possible restrictions.