| Health Insurance -
Medical plans at a glance |

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More health insurance choices. More
flexibility. More for you and your family.
We offer a number of quality, affordable health care
plans for families and individuals under age 64 through Golden Rule
Insurance Company, Assurant Health and Celtic Insurance Company.
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Copay Plans
- Comprehensive, convenient coverage.
With a Copay plan, you spend a copay to use
Preferred Network doctors for office visits. After that, we pay 100% of
history and exam fees.
Preventive Care office visits are covered
the same as other doctor office visits with copay benefits. Plus, most
plans have Prescription drug card benefits. And inpatient and outpatient
medical expenses are covered up to a $3 million lifetime maximum benefit
per covered individual.
A Copay Plan may be right for you if
you:
- Prefer the convenience of copay benefits
for routine health care expenses.
- Have young children with regularly
scheduled doctor office visits.
- Want copay benefits for preventive care
and prescription drugs.
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Health Savings Account
Plans
- Quality coverage and superior
savings.
HSA Plans include two components: a lower
cost, high deductible health insurance plan and a tax-favored savings
account. and HSA is very much like a traditional IRA with the added
bonus that you can take money out for qualified medical expenses at any
time without ever paying income taxes.
The money you save on premiums with your
high deductible plan can be put into your tax-favored savings account
(HSA). You can withdraw the money to help pay your deductible or other
qualified health care expenses. Once your deductible is met, the health
insurance
plan starts paying for covered expenses.
The best part: Your unspent savings roll
over year after year and the account keeps growing.
An HSA Plan may be right for you if you
want:
- More control over how your health care
dollars are spent.
- One annual deductible per family.
- To save money on monthly premiums and
taxes.
- Keep the unused HSA account balance and
save it for retirement.
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High Deductible Plans
- Higher deductibles equal lower
premiums.
With high deductible plans you get to keep
more of your money by taking responsibility for covering minor or routine
health care expenses - if they come up. The higher the deductible, the
lower your premium.
A High Deductible Plan may be right for
you if you are:
- Willing to
pay for routine health care expenses in exchange for lower premiums.
- Wanting lower
cost protection from unexpected accidents and illnesses.
- An early
retiree needing a bridge to Medicare.
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Health Insurance By: Assurant Health, Time Insurance Company, Golden Rule, United
HealthCare, Celtic Insurance
Company and Standard Security Life Insurance Company of NY.
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For More Information, Contact: Long
Term Consumer Care, Inc.
Customer Service Toll Free: (800) 544-9505
Health
Insurance Availability Varies By State
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Copyright©
1999 - 2007 Long Term Consumer Care, Inc.
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