Supplemental Insurance Information
US Supplemental Health Insurance Options
****SPECIAL NOTICE – Read our Annual Federal and Individual States Market Update****
There are several different types of supplemental health insurance plans. We combine these supplemental plans with a Fixed Benefit and/or Short Term Medical plan to create our comprehensive alternative health plan packages. However, these supplemental plans can also be combined with ACA/Obamacare individual plans as well as employer provided (group) health insurance to enhance overall coverage.
The different types of supplemental plans we have available include:
- Accident protection
- Critical Illness Protection (including NEW guaranteed issue plans)
- Cancer Treatment Coverage
- First Day Hospital/ICU Stay Protection
- 100% Preventive Care (Per ACA/Obamacare guidelines)
- Prescription Drug coverage
- Dental, Vision and Hearing
- Life Insurance
- NEW! Disability Insurance
- Freshbenies Value Added Services
The following contains additional information about each of the above supplemental plan types.
Supplemental Accident, Critical Illness, Cancer Treatment & Hospital Coverage
Supplemental Accident Protection
Why an Accident Plan?
Over 50% of ALL medical treatment received in this country is the result of an accident. The CDC estimates that 9.2 million children had an ER visit last year due to an accident. Leading causes include falls, car accidents, and burns. The CDC also estimates that 30% of all ER visits are because of an injury. The costs are substantial, but often times are paid out of pocket due to the high deductibles on health plans.
That is why I recommend adding a separate accident policy. We have plans available from several different companies. These plans provide payment for all healthcare treatment received as a result of an accidental injury. Some plans will pay up to a set amount per accident and others will provide you with an annual amount of money (up to $15,000 per individual and $25,000 per family).
An Extra Bucket of Cash
A supplemental accident plan is an inexpensive, extra "bucket of cash" for you to use to cover treatment related to an accident!
Important Note: All plans pay in addition to any other existing health insurance you have. In most cases these plans do not coordinate with your existing health insurance, which means that they will continue to pay up to your chosen benefit amount regardless of what you get from other health insurance that you have.
LifeSecure Accident Plans:
One of the companies that we work with for accident plans is called LifeSecure. LifeSecure offers two different supplemental accident plans. Availability of each is by state. These plans are:
- Accident Plan 2.0
- Accident Plan 3.0 with Accidental Death & Dismemberment (AD&D)
Check out the following video: How can Accident Insurance help?
Current Client Example: In March, 2020 a client hurt their back helping lift a convalescent parent out of a chair. After network discounts and primary insurance payments, this client had a balance owing of just over $5,000. Anyone with a high deductible health plan would be in a similar situation. However, this client purchased a LifeSecure Accident Plan along with their primary coverage. LifeSecure paid the client just under $6,600! So, this client ended up with ZERO out of pocket and an extra $1,600 to help cover the “pain and suffering” that comes with treatment for accidental injuries.
For details on LifeSecure Accident plans including coverage information and rates for all states, please click this Product Overview and Rates link. You can also review these plans as follows:
LifeSecure Accident Plan 2.0
After the listed deductibles, these plans pay 100% up to a set limit for most treatment related to any type of accident (from $2,500 to $25,000).
LifeSecure Accident Plan 2.0 plans are available for people ages 18 through 74 (69 in Tennessee) and guaranteed renewable to age 75.These plans are available in DC, NM, RI, SD, VA, VT and WV
LifeSecure Accident plans:
- Are Guaranteed Issue
- Pay the FULL BILL up to the maximum of the plan chosen
- Pay claims off EOB or itemized bill if no other health insurance
- Cover you 24/7 on and off the job
- Pay in addition to any other insurance, including workers compensation
Check out this Coverage Comparison with a LifeSecure Accident plan and without!
LifeSecure Accident Plan 2.0 Product Brochures
Product Brochures by state are as follows:
Monthly Premium Rates by state are as follows:
LifeSecure Accident Plan 3.0 with Accidental Death & Dismemberment (AD&D)
After the listed deductibles, they pay 100% up to a set limit for any type of accident (from $2,500 to $25,000).
NOTE LifeSecure Accident Plan 3.0 plans are available for people ages 18 through 74 (69 in Tennessee) and guaranteed renewable to age 85.
These plans are available in AL, AK, AR, AZ, CA, CO, CT, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI & WY
LifeSecure Accident Plan 3.0 plans:
- Are Guaranteed Issue
- Offer Choice of $0 or $500 deductible
- Include Coverage for Chiropractic services
- Pay the FULL BILL up to the maximum of the plan chosen
- Pay claims off EOB or itemized bill if no other health insurance
- Pay a Lump-sum Cash Benefit in the event of a covered Accidental Death
- Cover you 24/7 on and off the job
- Pay in addition to any other insurance, including workers compensation
LifeSecure Accident Plan 3.0 with AD&D Product Brochures
Product Brochures by state are as follows:
LifeSecure Accident Plan 3.0 with AD&D Premium Rates
Monthly Premium Rates by state are as follows:
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All states listed above, except CA, ID, IN, MA, MD, ME, MI, MN, MT, NH, NJ, NV, OK, OR, PA, SC & WA
Other Supplemental Accident Plan Options:
In addition to the LifeSecure accident plans above, both our Fixed Benefit plan companies and all our Short Term Medical plan companies offer their own supplemental accident and/or accident/critical illness plans. You can link to each of those companies to see the plans they offer as follows:
Applying for a Supplemental Accident Plan:
If you wish to apply for a supplemental accident plan from LifeSecure or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.
Critical Illness Protection
We have plans from several companies that allow you to choose from $5,000 to $100,000 per adult and up to $10,000 per child in coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, stroke and other covered illnesses. These plans pay you a lump sum upon diagnosis. This is money that can be used to help pay for deductibles, lost time from work, travel, etc.
NOTE: Again, these plans pay in addition to any other existing health insurance you have.
Why a Critical Illness Plan?
For starters, it’s important to realize that NO health insurance plan — “Cadillac” or otherwise — covers all the medical and non-medical costs related to a serious illness. And second, the costs of a serious illness such as heart attack, stroke or cancer can be significant.
Second, the statistics related to the primary critical illnesses are significant:
- EVERY 34 SECONDS an American will suffer a heart attack. Heart attack hospitalizations cost patients a median of $53,000. If bypass surgery is needed, costs can skyrocket to the $86,000-to-$178,000 range.
- EVERY 40 SECONDS someone in the US has a stroke. According to the CDC, 1 out of 20 deaths in America are due to Stroke. Stroke hospitalizations cost patients a median of $31,000.
- CANCER RISK for men in the US are about 1 in 2 lifetime of developing cancer. For women it is a little more than a 1 in 3 lifetime risk. As for cost, see the articles below under the Manhattan Life Cancer Care Plus Cancer and Dread Disease plan information.
Add onto the above bills the additional expenses following hospitalization, including rehabilitation, therapy, ongoing medical care and drugs.
Personal Note: In October-November, 2019 I had two situations with existing clients.
- One, a 61-year-old man with NO PRE-EXISTING conditions on his application 7 months prior, had a cerebral hemorrhage (a STROKE) and is DEAD.
- The other, an otherwise healthy 63 year-old woman, had a serious heart attack! The good news on this story is that my client is alive. The BAD news is that she and her husband are on a fixed income supplemented by part-time jobs. They are now out $8,000 in deductible and coinsurance on their Gold level health plan. Plus, other new, ongoing medical care and non-medical costs.
Even the VERY BEST health insurance can leave people with significant non-medical costs related to a serious illness, such as home adaptations or equipment, travel for treatment, and lost income from missing work.
Neither of these clients of mine took advantage of a Critical Illness plan that would have paid them EXTRA cash! They didn’t do it. YOU CAN!
LifeSecure Critical Illness Plans:
We also work with LifeSecure as one of our main companies for supplemental Critical Illness plans. Their plans are not always the least expensive, but their benefits are as good as any other company.
With LifeSecure you can include from $5,000 to $50,000 per adult and $2,500 per child in lump sum coverage should anyone be diagnosed with a covered critical illness such as cancer, heart attack, stroke, etc.
LifeSecure Critical Illness plans also have unique features that other companies don’t offer. These include (See the brochure below for more details):
- Payment for MORE than ONE Illness – Many Critical Illness policies only pay ONE time. LifeSecure will pay if you are later diagnosed with a second, different illness.
- Payment for Re-Occurrence of an Illness – After the initial benefit payment, if you have a re-occurrence of the same illness, you can receive an additional payment equal to half the original benefit.
LifeSecure Critical Illness plans are available for people ages 18 through 70 (64 in California) and guaranteed renewable to age 75.
For more information and to see sample rates by state, download the LifeSecure CI Brochure.
NOTE: These critical illness plans are health underwritten. Please download and review the LifeSecure Critical Illness App Questions to make sure you qualify.
Other Supplemental Critical Illness Plan Options:
In addition to the LifeSecure critical illness plans above, both our Fixed Benefit plan companies and all our Short Term Medical plan companies offer their own supplemental accident and/or accident/critical illness plans. You can link to each of those companies to see the plans they offer as follows:
Applying for a Supplemental Critical Illness Plan:
If you wish to apply for a supplemental critical illness plan from LifeSecure or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.
Cancer Treatment Coverage
Manhattan Life Cancer Care Plus:
This is a different variation on most critical illness policies that pay a one-time, lump sum amount. This Cancer Treatment plan includes a unique MONTHLY Chemotherapy, Radiation AND Immunotherapy benefit of $2,500 to $7,500 depending on the plan option. It also provides treatment benefits for many other dread diseases AND benefits for over 20 other related services.
Cancer Care Plus plans are available for people ages 18 through 69 (64 in California) and guaranteed renewable FOR LIFE!
Also, the monthly premium for your Cancer Care Plus plan is locked in based on your age when you sign up. The only way your premium will change is if the company raises the rate for ALL policyholders in your entire state.
The Manhattan Life Cancer Care Plus plan is available in these states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
Why Cancer Treatment Insurance?
Because, as noted in the fourth article below, According to the American Cancer Society (ACS), the statistics say that men have a 39.3% lifetime chance of being diagnosed with cancer and women a 37.7% chance.. In addition, please check out the following articles:
- Almost half of new cancer patients lose their entire life savings – Note that the average amount a cancer patient lost in savings was $92,098!
- The Hidden Costs of Cancer – Note the costs of lost wages (200 hours), out of pocket treatment costs in addition to your health insurance deductible/coinsurance and numerous indirect expenses.
- Underinsured Patients Opt to Crowdfund Cancer Treatment in Light of Rising Costs – This is the situation my friend found herself in (see PERSONAL NOTE 2 below). Unfortunately, doing this isn’t likely to raise anywhere close to the costs most people will incur.
- Medicare Out-Of-Pocket Costs For Cancer Treatment Every Retiree Should Know - About 77% of all cancers are diagnosed in people 55 or older, and the median age for cancer diagnosis is 66. The article discusses three areas of additional out of pocket costs above insurance – 1. High-cost oral maintenance drugs (median annual out of pocket costs over $8,000). 2. Experimental treatment options not covered by Medicare. 3. Travel, lodging and meals expenses.
- High Cost of Cancer Treatment – This article is loaded with information. It notes that the average monthly costs range from $1,000 to $12,000 for chemotherapy, $9,000 for radiation and $10,000 to $12,500 for immunotherapy. Also, please read the “Survivor Stories: Toll of Cancer Costs” near the end of this article.
- New article – Many Cancer Patients Face Mounting Bills Despite Having Insurance - A recent study found that "The vast majority of cancer patients face financial struggles, in spite of having health care insurance." Although 98% of those in the study had health insurance, 71% had major financial problems stemming from their care, the study found. The money woes included increased debt; the need to take out new loans or refinance or even sell their home; or a drop in income of 20% or more.
PERSONAL NOTE: My late wife battled breast cancer for over 7 years. During that time, she had multiple treatments for chemotherapy and radiation as well as a couple different surgeries, etc. We were very fortunate to have excellent coverage through her employers. However, even with that great coverage, we still had paid $20,000 to $25,000 out of pocket over those 7 years. When I recently found out that this product is available in my state, I signed up for myself the same day!
PERSONAL NOTE 2: I have a friend from high school has been living with Stage 4 lung cancer for 6 years! SIX YEARS of continuous treatments of chemotherapy, radiation, experimental treatments, etc. Plus, travel to Houston and California and Seattle. She estimates that they have spent $5,000 to $10,000 per year out of their pocket PLUS another $30,000+ in travel and related costs. That’s $60,000 to $90,000+ over and above what health insurance has paid. She said without the help of a GoFundMe page (see article above), they would have lost their house. She also said she could have taken a supplemental cancer plan at work but thought it would never happen to her!
Current Client Note: On 12/31/2019 I found out that a client was diagnosed with blood cancer diagnosis at age 64 and 8 months. They had a $2500 ded, 80/20% to $5k plan and said the bills were killing them. This client has now set up a GoFundMe page to help pay for out of pocket costs. With even the minimum amounts of critical illness and cancer treatment coverage, all out of pocket costs could have been covered without needing charity.
Don’t let a cancer diagnosis eat up your life savings!
Plan Details and Information:
Manhattan Life has up to five affordable plan options in most states. To check to see if the Cancer Care Plus plans are available in your state, see the list of available states above. Then....
To review the details and get a personalized quote click here: Manhattan Life Cancer Care Plus
Applying for a Supplemental Cancer Treatment Plan:
NOTE The Manhattan Life Cancer Care Plus plans are health underwritten. Please download and review the Manhattan Life Cancer Care Plus App Questions to make sure you qualify.
If you wish to apply for a supplemental cancer treatment plan from Manhattan Life, you can apply from the quote link above, but the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.
Hospital Confinement Protection
As noted in this recent article hospital expenditures are 38.3% of total healthcare expenditures nationally. In other words, they are the most expensive places to receive care.
That is why we have a VERY inexpensive supplemental plan designed to provide coverage for the first day hospital/ICU stay that you have in any year.
Here are other great recent articles discussing the value of hospital indemnity insurance:
Hospital indemnity – Insurance for your Insurance - People buy health insurance to protect them in the event of a big medical claim. Unfortunately, with today’s rising deductibles and out-of-pocket limits, which will be $7,500 for HSA-qualified plans and $9,100 for non-HSA plans in 2023, major medical health insurance alone isn’t enough for many people. Even with insurance protection, a huge percentage of Americans will have trouble paying their share of the bills.
According to Healthcare.gov, “the average cost of a 3-day hospital stay is around $30,000.” Even after accounting for the negotiated rates insurance carriers have with their in-network facilities, many members quickly hit their plan’s out-of-pocket limit, leaving them with thousands of dollars in bills.
Manhattan Life Out of Pocket Protection Plan:
Manhattan Life's Out of Pocket Protection plan is available in these states: AL, AR, AZ, CA, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, NC, ND, NE, NM, NV, OH, OK, PA, SC, SD, TN, TX, WI
These plans that let you choose a lump sum of $2,500, $5,000 or $6,350 for your first day in the hospital for each plan year. The plans all include $100 or $200 per day to cover the cost of your doctor visiting you in the hospital. You can also add an optional (recommended) $250 Emergency Room Accident benefit and a rider that pays $1,000 to $3,000 for up to two Outpatient Surgeries per year.
The Out of Pocket Protection plans are available for people ages 18 through 69 (64 in California).
Important Maternity Tip: The Out of Pocket Protection plan will pay for any complications of pregnancy.
Actual Client Examples: In 2020 I had two clients spend time in the hospital as a result of COVID. One client spent one day and the other spent 11 days in the hospital. Each of these clients listened to my advice and added this Manhattan Life Out of Pocket Protection plan to their other coverage. The cost for each client was around $30-35/month. One client received $6,450 for their one day in the hospital and the other received $6,100 for their 11-day stay. That is in addition to the payout from their primary health insurance.
With a traditional major medical plan, (ACA/Obamacare individual or employer group plans) this would cover most or all of the deductible and coinsurance. Any extra money left over can go a long way to cover other expenses and time lost from work, etc.
NOTE: Once again, these plans pay in addition to any other existing health insurance you have. So in addition to being a highly recommended part of our alternative health plans, they are great for supplementing any high deductible health plan at a very affordable price.
Here are some sample quote ranges for individuals. The rates vary by state.
Manhattan Life Out of Pocket Protection Sample Individual Quotes***
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$2,500
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$100
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$250
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$16.58 - $22.40
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$19.07 - $27.57
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$21.66 - $34.40
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$23.57 - $38.15
|
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$5,000
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$100
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$250
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$21.58 – $31.99
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$26.16 - $41.32
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$30.82 - $52.72
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$34.41 - $59.39
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|
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***NOTE: The highest rates in the table above are for the state of Pennsylvania. Most states are closer to the lower end of the range.
NOTE The Manhattan Life Out Of Pocket Protection plans are health underwritten. Please download and review the Manhattan Life Out Of Pocket Protection App Questions to make sure you qualify. Exact questions vary slightly by state, but this is a good overview of the questions for all states.
Plan Details and Information:
To review the details and get a personalized quote click here: Manhattan Life Out of Pocket Protection Plan
Applying for a Supplemental Hospital Out of Pocket Protection Plan:
If you wish to apply for a supplemental hospital out of pocket protection plan from Manhattan Life or one of our other companies, the quickest way is for us to complete an application together over the phone. To schedule a call to answer your questions and complete an application, just click on the image above that says CALL ME and pick a day and time that works for you, and I will call you then.
Other Supplemental Hospital Stay Protection Options:
In the states where the Manhattan Life Out of Protection plans are not available we offer plans from other companies such as Allstate Health Solutions, LifeSecure, Medico, Surebridge and Washington National.
100% Preventive Care and Prescription Drug Coverage
The following supplemental plans are primarily added to our alternative plan packages to cover all ACA mandated preventive care services 100%. Plus you can go up to higher level plans to get other minor services like doctor visits and lab work covered and only pay a small copay.
NOTE: Here is the full list of the ACA mandated preventive care services
100% Preventive Care (Plus Additional Outpatient Benefit Options):
These plans are only available to working individuals though a limited partnership. There are three different plans - Base, Pro and Max. Each one provides the preventive care and wellness services that are required under Obamacare. When you see providers in the plan’s PPO network, all covered preventive services will be paid 100% with NO copay or out of pocket cost to you.
The following provides more information about the coverage with each of the 3 different plan options. All plans are guaranteed acceptance:
Base:
This plan provides the preventive care and wellness services that are required under the ACA/Obamacare (see above). When you see providers in the plan’s PPO network, all covered preventive services will be paid 100% with NO copay or out of pocket cost to you.
Pro:
This plan covers all of the same ACA/Obamacare mandated preventive care services as Base. Plus the following:
- Primary Care and Specialist Office Visits covered with just a $25 copay per visit (5 combined visits per calendar year)
- Urgent Care visits covered with just a $25 copay per visit (5 visits per calendar year)
- Outpatient Diagnostic Test (X-Ray, Blood Work) covered with just a $25 copay per visit (5 combined tests per calendar year)
- Generic Prescriptions covered with a 20% copay
Max:
This plan covers all of the same ACA/Obamacare mandated preventive care services as Base. Plus the following:
- Primary Care Office Visits covered with just a $25 copay per visit (no limit per year)
- Specialist Office Visits covered with just a $50 copay per visit (no limit per year)
- Urgent Care visits covered with just a $50 copay per visit (no limit per year)
- Outpatient Diagnostic Test (X-Ray, Blood Work) covered with just a $50 copay per visit (no limit per year)
- Prescription Benefit (in plan Formulary list) - $10 Generic copay; $50 Brand name copay
- Outpatient Mental Health, Behavioral Health or Substance Abuse Services covered with just a $50 copay per visit (no limit per year)
- Rehabilitation Services & Habilitation Services covered with just a $50 copay per visit (20 combined visits per plan year)
- Outpatient CT/MRI/Pet Scans covered 50% after a $2,000 individual deductible
PPO Network
These plans utilize the First Health PPO Network. It is one of the most extensive PPO networks in the country. The First Health Network will provide a broader range of coverage to more members–especially for those in rural America!
To look up providers go to the First Health PPO network link.
To begin, check the box for the Member Agreement and click "Continue." On the next page choose the type of provider and enter your search parameters. Then click the “Search Providers” button.
Plan Rates:
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Individual
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$84.78
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$131.17
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$207.25
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Individual + Spouse
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$139.69
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$199.53
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$346.11
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Individual + Child(ren)
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$130.12
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$192.43
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$354.87
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NOTE: For more information on these plans and direct enrollment reach out to me.
Hospitalization Buy-Up Program
NOTE: This plan can be added to either the Pro or Max plans above.
The Plan covers limited inpatient hospital care in accredited hospitals for each enrolled participant. Coverage includes inpatient surgery, but not outpatient or elective surgeries. This Plan does
not cover out of network services. This Plan is not subject to the Patient Protection and Affordable Care Act.
Features Included:
- Guaranteed Acceptance
- Benefit options of $50,000 or $100,000 per participant
- Inpatient hospital care including Mental Health and Substance Abuse
- Individual or family coverage available
- 0% Coinsurance after $5,000 annual deductible
- Coverage limited to in-network only
- Pre-existing conditions within past 12 months excluded
NOTE: For more information on these plans and direct enrollment reach out to me.
Freshbenies Value Added Services:
Freshbenies helps their members save hundreds to thousands on their healthcare. They help employers contain costs and increase access to care for their employees. AND, they make it simple & fun so the benefits really get used!
This article discusses the 4 drivers of healthcare costs. Freshbenies includes 3 services from the article that can help reduce the frequency and severity of these healthcare cost drives.
COMPARE: Check out this Freshbenies Head to Head Comparison versus embedded group plan telemedicine.
WAYS TO SAVE: Check out 20 Ways to Save on Healthcare with Freshbenies.
Don't like to read? Check out this Freshbenies Video for more about how this all works.
***freshbenies Plan Package Options***
For Individuals and Families
The cost for their primary “Power Package” is $18/month per family! The Power Package includes the following benefits:
Telehealth - Up to 70% of medical issues can be solved by phone. Call anytime 24/7 for a $0 visit fee with a U.S. primary care doctor and get a prescription written, if medically necessary.
Doctors Online - Get personal answers to your medical questions within a few hours. Email physicians, psychologists, dentists, dietitians, fitness trainers (and more).
Advocacy - How much will your medical procedure cost? Where can you find a quality provider? Were you billed correctly? Call your personal Advisor to help get answers to these questions, negotiate bills on your behalf and more. I invite you to watch this webinar on: 6 Ways Advocacy is a Game Changer
freshSAVINGS - 9 high-quality savings networks help employees and their families control healthcare - whether they have insurance or not. Savings on: Rx, dental, vision, chiropractic, hearing aids, lab tests, MRI & CT scans, medical and diabetic supplies.
In addition you can add LifeLock, legal savings, pet care savings and caregiver support for small additional costs.
To review the details and enroll click here: Freshbenies Quote and Apply
For Businesses
You need strategies and your employees need help. Your cost to provide benefits has soared. Still, your employees are paying more out of pocket than ever before. freshbenies gives you and your employees practical tools to control healthcare in one easy membership - whether they’re on the medical plan or not.
There are three plans available as an “employer paid” or “voluntary” group benefit to companies with as few as 3 employees (with a minimum total cost of $50 per month for the group) and up.
freshbenies three plans offer the following benefits:
Advocacy PLUS – Get comprehensive support through the healthcare journey – find highly rated, cost-effective doctors, compare costs for procedures, care and prescriptions, have medical bills reviewed and negotiated, and more. I invite you to watch this webinar on: 6 Ways Advocacy is a Game Changer
Telehealth – Up to 70% of medical issues can be solved by phone or video. Reach out 24/7 for $0 visit fee with a U.S. primary care doctor and get a prescription written, if medically necessary.
Behavioral Telehealth – Convenient and discreet access to the following experts at a fraction of the cost of typical in-person visits† (some state exclusions apply): Therapists $85 visit fee Psychiatrists $95 visit fee ($225 initial visit)
Savings Networks – Rx, Dental, Vision. Save an average 79% on generic and 34% on brand name prescriptions, 20-40% on dental services and 10-60% on vision needs at thousands of providers – whether you have insurance or not.
benieWALLET – Store and access all your cards in one, easy place so they’re ready anytime, anywhere – insurance, pharmacy, fitness clubs, passport and more!
freshbenies Employer Plans Coverage and Pricing
Whether you want a plan that focuses on Telehealth, Advocacy or BOTH, freshbenies has a plan for you.
Monthly premiums per family:
- PREMIUM Total (Includes Telehealth AND Advocacy) - $9.99
- PREMIUM Telehealth - $8.49
- PREMIUM Advocacy - $6.49
NOTE: All three plans include the Savings Network, benieWALLET and Member Engagement System.
In addition, you can add the following two packages:
- The Security Pack – Includes an Identity Theft Protection Service and Legal Savings program for $12.99/family per month.
- The Pet Pack - Includes Pet Telehealth with $0 visit fee and a Pet Savings program for $9.99/family per month.
Get a Custom Proposal for Your Business
To receive a custom proposal for your business, all we need is the following information:
- Company Name
- Total Number of Employees
- State(s) where the company is located
- Will the plan(s) be Employer Paid or Voluntary
- Is the Company’s Group health plan fully insured or self-insured
Send the above information by email to: robtavis@ushealthinsurancesolutions.com
Dental, Vision and Hearing Plans
We offer dental plans, vision plans, dental/vision combo plans and dental/vision/hearing combo plans from multiple different companies. In addition to options from the ACA/Obamacare companies, and our alternative health plan and supplemental plan companies, we work with other companies that only provide separate dental, vision and hearing plans.
The companies that provide separate dental, dental/vision, or dental/vision/hearing plans include:
Spirit Dental and Vision Plans:
Spirit offers up to eight different dental plans and two vision plans. Plans and availability vary by state.
Spirit has NO WAITING PERIODS for Basic and Major services on any of the dental plans.
Spirit dental plans use the Ameritas Classic Network, which is one of the largest in the nation with more than 100,000 providers at more than 400,000 access points. To find a provider, visit the Ameritas Classic Network. Enter your location and select the "Classic PPO."
To learn more about Spirit dental plans, run quotes and apply online please go to our Spirit Dental Quote page.
To learn more about Spirit vision plans, run quotes and apply online please go to our Spirit Vision Quote page.
Delta Dental:
Delta Dental is a network of 39 affiliated companies throughout the country. Delta Dental companies contract with dentists at more than half a million locations nationwide. Delta Dental offers both individual/family and employer group dental plans.
US Insurance Solutions is currently appointed with Delta Dental in Washington State and Illinois. We have the ability to run quotes in all states and get appointed quickly if Delta Dental offers the best plan for you in your state.
Life Insurance
In addition to the ability to help with all types of individual life insurance as noted on our US Life Insurance page, we also have available life insurance options through some of our primary alternative plan companies and some of our supplemental plan companies.
Disability Insurance
The statistics on worker disability show the value of disability insurance. Consider that 1 in 4 Americans experience a disabling injury or illness in their working years that prevents them from earning an income, and 70% of working Americans couldn’t last one month without a paycheck before experiencing financial hardship.
Even with the above statistics, in 32 years in the insurance business, I can count on one hand the number of individual disability policies I have written, and one of those was on ME.
The main reason that I have found as to why people don’t buy individual disability coverage is that the cost of long-term disability is usually too expensive. However, there are ways to build a long-term disability plan that is more affordable AND there are also short-term disability plans that can be very affordable and provide up to $1,000 per week in benefit for as short as 13 weeks to as long as 2 years.
That's why I partnered with Breeze, an online disability insurance solution that makes it easy to run quotes, review disability insurance options and apply for your own policy in as little as 10 minutes.
Short Term Disability Insurance: https://www.meetbreeze.com/offer/1382
Long Term Disability Insurance: https://www.meetbreeze.com/offer/1380
NOTE: You can apply directly for short term disability coverage at the link above. For long term disability, there are multiple top companies that Breeze works with, so in most cases you will use the link above to schedule a short call with one of their experts who will gather some information from you and provide you with quotes for the options that are best for you.
If you have questions and would like to discuss your options, please use my calendar link that follows in my email signature to schedule a call with me.
International Travel Medical Insurance
No matter what health insurance you have at home, I always recommend purchasing a separate international travel medical policy. To review your options, run quotes and apply online, please visit our International Travel Medical page. T
Get YOUR Best Health Plan Solution
Whether you want to add one or more of the above plans to your existing health plan or see how they work as part of our alternative health plan solutions, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.