Plan Overview

Statistics say that 82% of all hospitalizations are due to an accident or a critical illness!

  1. If you choose a High Deductible Major Medical plan, you lower your monthly cost for the insurance.
  2. If you add supplemental coverage for accident and critical illness you eliminate your deductible exposure for 82% of everything that could ever happen to you. In other words...You would pay $0 (zero dollars).
  3. Doing it this way saves you money because you are paying much less then if you purchased a lower deductible! And with this concept you are spreading the risk over 2 different plans, causing the over all cost to be lower due to risk sharing!

For example: You select a $6,800 deductible plan with 100% coverage after the deductible. Then, you select a supplemental plan for accident and critical illness. If you have an Accident or a Critical Illness, your supplemental plan will pay 
$6,800 toward your deductible. Once your deductible is met, you are covered by your Major Medical plan for anything over $6,800. So you pay NOTHING!

This is the way to get the best coverage at the lowest price possible! 
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