At
the heart of every InsureAmerica sale is our health insurance
programs, and our exclusive health products is underwritten by two of
the best! With AM Best ratings of 'A', Standard & Poor's rating
of 'AA+', in excess of $10 Billion in assets and both companies having
over a century of service, you can be assured your clients will enjoy
the quality and stability they deserve.
Major
Medical w/copays or Major Medical HSA
Comprehensive
- Quality - Flexible
- Deductibles
ranging from $500 to $10,000
- Full
range of copays
- Unlimited
Dr. copays and Rx benefit
- $5
Million lifetime maximum
- Organ
transplant - up to $1 million per organ transplant
- Both
PPO and Traditional plans available
- Extremely
competitive and stable rates
No
up front charge backs, quick and convenient issue with state of the
art processing makes for quick and immediate pay.
Comprehensive
Catastrophic Health Insurance Plans offer:
- Vanishing
Deductibles between $500-$5,000. The deductible reduces 25% annually
when no inpatient claims are filed. REWARDS THE CUSTOMER FOR GOOD
HEALTH!
- Outpatient
benefits that cover such items as: Doctor Visits, Lab Work, MRI, Cat
Scans, Radiologist, Pathologist, Diagnostic Testing (these are subject
to a $500 deductible per year, then pays benefits at 80/20 coinsurance)
- Co-Pay
Drug Card Benefit
- $5
Million Lifetime Maximum
- Organ
Transplants --- up to $1 million of coverage per person
- Helicopter
and ambulance service covered within the certificate limits
- 24/7
Coverage
- Interest
paid on all claims if not paid within 45 days
No
up front charge backs, and stable rates allow for GREAT PERSISTENCY!
High Risk Health Plans . . . for the
uninsurable
How many plans could you sell that accepts a client with a history of
leukemia, high blood pressure or diabetes? . . . two, three or five
per week?
At InsureAmerica, we do that and much more.
Not
only is this plan the best in the industry, but goes far beyond anything
in the industry.
This
product, which is underwritten by an A+ rated company, fits perfectly
with our NBA Keystone Ultimate Membership Plan.
- Up
to $100,000 Maximum Benefit per accident or sickness
- Daily
Hospital Expense (After a $500 deductible) of:
1-10
Days: 80% up to $4000 per day
Next
30 days: 80% up to $2000 per day
- Doctor
Office Visit - 80% of the doctors fee up to $25 per visit
- Surgical
Expense Benefit- Scheduled benefit that pays up to a maximum of $10,000
based on the benefit listed in the policy
- Ambulance
Benefit - 80% up to $200
- Plus,
double the premium returned if death is due to accident
With
the "Keystone Ultimate Plan" your clients receive the many
NBA Member benefits and privileges
- $25,000
Accidental Death and Dismemberment benefit
- $5000
per incident Accident Insurance Policy
- Medical
Supplement Plan
- Pharmacy
Program
- Lifeguard
Emergency Rescue
- Dental
Care Solution
Life Products
"A" Rated Carrier --- Quick issue timeSome of the benefits
are:
- Insurance
protection that can help cover financial needs in an untimely death.
- A
Disability Income rider provides a monthly income to help cover bills
when you are disabled.
- Terminal
Illness Rider allows the base insured access to a portion of the death
benefit in the event he or she is diagnosed with a terminal illness
where life expectancy is 12 months or less.
- Return
of Premium Rider is a full return of all premium paid if you keep
the policy until the end of the initial term.
Critical Illness Plan
Do you know someone who has had cancer, heart disease or a stroke?
Some of the benefits are:
- A
Twenty Year Level Term plan of life insurance that includes a Critical
Illness Accelerated Benefit Rider.
- The
premiums for the Twenty Year Level Term plan are level and guaranteed
for a period of twenty years, or until age 70, whichever is less.
- The
premiums for the Critical Illness Accelerated Benefit Rider are guaranteed
for the first five years.
- Guaranteed
Renewable, to age 65, without evidence of insurability at attained
age.
- Convertible
at any time, without evidence of insurability, through year 20 or
age 65, whichever comes first.
- Base
premiums are guaranteed to remain level through year 20.
Small
Employer Group Health Plans
Provides Health Insurance coverage for small business owners who want
guaranteed issue coverage.
There
are several Small Group Plans available to help you tailor benefits
to suit your group's specific needs.
- Copays
available for physician office visits, X-rays, labs and tests.
- Prescription
drug card and vision savings plan on all Copay Plans.
- 24-hour
occupational coverage for eligible individuals within the group.
- Mammograms
covered at 100% with no deductible or copay.
- 24-hour
Internet pharmacy available.
- 24-hour
Nurse Hotline included at no additional charge.
- Emergency
hospital care at out-of-network hospital covered at In-Network Benefit
Level until transfer can take place.
- Optional
benefits include dependent life, maternity, wellness, supplemental
accident.
