Health Insurance Options

Accident Medical / Critical Illness Insurance: Metal Gap 2

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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

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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:

 

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

 

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

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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