Health Insurance Options

Lower your out of pocket expenses with Supplement Plans that can be used alone or with other coverage you currently have

Accident Medical, Critical Illness, Hospital Indemnity Insurance, Prescription coverage, Vision, TeleMedicine and more

Supplement Options
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Why Consider a Supplement Option?

With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and loss of income. NM We offer affordable supplemental health plans that can help you control your out of pocket expenses.

Below are the descriptions of the supplemental plans we offer.

Accident Medical / Critical Illness Insurance: Metal Gap

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Even with an Obamacare health insurance plan, the financial impact of an accident or serious illness can strain your budget. Metal Gap 2 from The IHC Group provides payments, made directly to you, when a covered critical illness or accident occurs. Plans include options for Accident Medical, Critical Illness, Accidental Death and Dismemberment and Inpatient / Outpatient Surgery.

 

Because the payment is sent directly to you, it can be used to pay for your health plan’s deductible or other cost-sharing, or for everyday expenses such as rent, a mortgage, a car payment or credit card bills. And just like your Obamacare plan, Metal Gap 2 is a guarantee issue plan, meaning you cannot be turned down for coverage based on your health history.

 

Availability – Metal Gap 2 is available in the following states: AK, AL, AR, AZ, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MS, MT, NC, NE, NM, NV, OH, OK, OR, RI, SC, SD, TX, UT, WI, WV, WY. Availability is subject to change.

 

 

Care Access Plan - Hospital Indemnity

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Large medical bills, expected or not, can be stressful. Oftentimes, consumers must meet their health insurance deductible before plan benefits fully kick in. Hospital indemnity plans can help reduce out-of-pocket costs by paying fixed benefit amounts for covered medical expenses resulting from hospitalization or surgery.

 

This type of coverage may be the right fit if you are looking for:

 

  1. Coverage for unexpected hospitalization or surgery charges, with varying levels of benefits and price points
  2. Flexibility to choose any doctor or hospital, with additional cost savings available via access to network providers
  3. Lump-sum benefit payments for ambulance, chemotherapy and radiation, and an added critical illness benefit

Availability – The Care Access Plan is available in the following states: AL, AR, AZ, CA, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, ME, MI, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY. Availability is subject to change.

 

Supplemental Hospital Insurance

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A trip to the hospital can be stressful enough without the added expense that may come with it. Supplemental Hospital Insurance provides fixed benefits for out-of-pocket costs as a result of a covered hospital stay or surgery, up to the selected maximum amount. With two easy-to-understand options and an additional buy-up offered, the Supplemental Hospital Insurance provides flexibility for both needs and budget. 

Supplemental Hospital Insurance provides coverage for:

 

  • Inpatient hospital confinement
  • Inpatient and outpatient surgical services
  • Second surgical opinion
  • Outpatient urgent care or emergency room visits
  • Outpatient diagnostic x-ray or lab
  • Outpatient advanced studies after an inpatient hospital stay

Availability – AL, AR, AZ, CA, DC, DE, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, ME, MI, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, WY. Availability is subject to change.

 

Prescription Program - Rx PayCard

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Easy to use, money saving prescription discount card program. Over 55,000 participating pharmacy's nationwide. Four tier pricing for generic to brand-name drugs. Child only enrollment accepted

 

  • Tier One - Generic drugs for a payment of up to $10
  • Tier Two - Brand name drugs and select generic drugs for a payment of up to $20
  • Tier Three - Brand name drugs and select generic drugs for a payment of up to $50
  • Tier Four - Brand name drugs negotiated at a special discount price

Click Here to view prescription pricing and pharmacy locations

 

  • $19.99 Single, $28.99 Two People, $35.99 Family per month
  • The Discount Health Savings Program plan is NOT insurance.

 

Tele Medicine- TeleDoc

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The IHC Group’s Telemedicine helps manage healthcare costs with three great benefits. The cost for Telemedicine is just $12.95 for single benefits or $14.95 for families. Talk to a doctor anytime! Only $15 per consultation. Over 20 million people use TeleDoc.

 

Teladoc connects you 24/7/365 to a national network of board-certified doctors who average 15 years’ experience. Within minutes, a doctor will call you back ready to listen and resolve your issue. If medically necessary, a prescription will be sent to your pharmacy of choice. It’s healthcare in the palm of your hand. For more information, visit https://www.teladoc.com

 

Telemedicine is NOT insurance. This plan provides discounts at certain healthcare providers for medical services.

 

Vision Insurance - VSP & EyeMed

Get a Quote - View EyeMed Brochure - View VSP Brochure

Vision insurance by Ameritas Life Insurance Company

Direct Vision provides stand-alone coverage for individuals, seniors and families and features:

 

  • A very large doctor network with over 31,000 VSP providers
  • Great selection with a $150 frames allowance
  • Eye exams, eyewear, lens options, contact lenses
  • Choice of 12/12/12 or 12/24/24 exams, lenses & frames frequencies
  • Individual rates starting at $12.22 a month
  • Everyday effective dates available
Call 1-800-544-9505 with any questions

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate over a dozen insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental and travel insurance quotes, combined with insurance information and decision-making tools.

We have been online for over 20 years and a A+ rated member of the Better Business Bureau since 2001.

Licensed in 46 states, we offer a variety of health plans including: Short Term Medical insurance, dental insurance, discount dental plans, international medical insurance, Supplemental coverage and more.

The carriers we represent include: HCC Life Insurance Company, The IHC Group, Standard Security Life Insurance Company, Madison National Life, Aetna, National General and NHIC and many more.

We only offer plans that we would recommend to our own family



Offering supplemental health insurance by The IHC Group, Standard Security, Madison life and Security Life Insurance Company of America

 

This provides a very brief description of some of the features of the insurance plans we offer. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in Individual Policy.

Long Term Consumer Care, Inc. BBB Business Review

 

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LTCC, Inc.
FAQ

All of the supplement plans listed on this page can be used with other coverage or stand alone.

 

The Accident Medical plans and the Critical illness plans pay you directly. Designed to lower your out of pocket expenses for any other coverage you might have.

 

These plans are a good choice if you have a high deductible plan.

The supplemental plans do not have a limited duration. You can keep your plan as long as needed or cancel at any time.

Your coverage can begin as early as the day after you apply or the first of the month following the date you apply.

Metal Gap 2

No Out-of-Network Penalties

Accidental Medical and Critical Illness plans are considered indemnity plans - meaning they pay a specific dollar amount based on the type of illness or accident. The amount the plan pays has not bearing on what doctor or hospital you use.

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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