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
Why Consider a Supplement Option?
With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and loss of income. We offer affordable supplemental health plans that can help you control your out of pocket expenses.
Accident Medical / Critical Illness Insurance: Metal Gap 2
Metal Gap 2 insurance includes accident and critical illness benefits to allow you to focus on your number one priority: getting better. Metal Gap 2 insurance provides benefits for covered accidents up to the selected maximum amount, or the actual expense you incur, whichever is less. Critical illness benefits provide a lump-sum payment that is sent directly to you and can be used for anything you choose, including:
• Out-of-pocket expenses
• Living expenses
• Lost wages
Critical illnesses and serious accidents are never expected. Metal Gap 2 provides you with additional coverage you need while recovering, and your acceptance is guaranteed!
Underwritten by Independence American Insurance Company
Availability – Metal Gap 2 is available in the following states: AL, AR, AZ, FL, GA, HI, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MS, MT, NC, NE, NM, NV, OH, OK, OR, SC, SD, TX, UT, WA, WI, WV, WY. Availability is subject to change.
Independence Hospital Insurance
Fixed Hospital Indemnity Insurance designed to help fill the gaps in your health insurance coverage and reduce out-of-pocket exposure due to a hospitalization.
This type of coverage may be the right fit if you are looking for:
- Coverage for unexpected hospitalization or surgery charges, with varying levels of benefits and price points
- Flexibility to choose any doctor or hospital, with additional cost savings available via access to network providers
- Lump-sum benefit payments for ambulance, chemotherapy and radiation, and an added critical illness benefit
Eligibility Independence Hospital Insurance is available to the primary applicant age 18 to 64.5, their spouse age 18 to 64.5, and dependent children under the age of 26. Wellness and Preventive Care Waiting Period The period following your effective date during which no benefits are payable. For all three plans, there is a threemonth waiting period before benefits are payable. There is no waiting period for this benefit in Missouri, North Dakota, New Mexico and Tennessee. The Wellness and Preventive Care benefit is not available in Michigan and New Mexico. Pre-Existing Condition Definition* A condition for which medical advice, diagnosis, care, or treatment was received or recommended during the pre-existing condition limitation period. Pre-Existing Condition Limitation The policy contains a pre-existing condition limitation. This limitation will cease to apply to any covered benefits incurred in connection with a pre-existing condition after the covered person has been continuously covered under the policy for 12 consecutive months1 from the covered person’s effective date for any pre-existing conditions within 12 months2 prior to such effective date. * Definition varies by state 1 6 months in MI, NC, NH, NM, UT 2 6 months in NH, MI, UT
Underwritten by Independence American Insurance Company
Availability – The Care Access Plan is available in the following states: AL, AR, AZ, 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.
Vision Insurance - VSP & EyeMed
Vision insurance underwritten 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
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 most 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.
Offering supplemental health plans by Independence American Insurance Company and Ameritas Life
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.
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.
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 no bearing on what doctor or hospital you use.
Free Discount Plans
Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info