Short Term Heath Care Plans are an affordable and flexible alternative to Obamacare. Different levels of benefits among plans means you choose the right coverage for you, get to keep your doctor, and enjoy significant savings over plans offered through the Obamacare Exchanges. We combine these plans with additional coverage to create the Real Life Protection Pyramid.
Our Short Term Healthcare Plans are provided by insurance company that are rated “A” (Excellent) by A.M. Best. This worldwide independent organization examines insurance companies and other businesses, and publishes its opinion about them. This rating is an indication of financial strength and stability.
In the event of a serious illness, simply having health insurance is not always enough because deductibles, co-pays and loss of income can create a cascade of financial troubles for any family – even with insurance.
In a recent poll 26 percent of people say health care expenses have taken a serious toll on family finances. The poll, conducted by The Robert Wood Johnson Foundation and Harvard’s T.H. Chan School of Public Health, shows that even people with medical insurance are struggling to pay medical bills. This is a direct result of the amount insureds have to pay for deductibles for individual insurance – which has increased 255% from 2006 to 2015.
Medical bills are the leading cause of personal bankruptcy in the United States today. Three-quarters of the families driven to bankruptcy by health-related costs are actually covered by health insurance.
The most cost effective way to provide the family with a financial safety net against the financial havoc caused by serious illness is with a Living Benefits Life Insurance policy.
With Living Benefits, if you are diagnosed with certain chronic, critical or terminal illnesses, as defined in the policy, living benefits life insurance allows you to accelerate a portion of your policy face amount to:
- Replace income lost as a result of your illness
- Provide for in-home care or facility needs And...
- Any face amount not accelerated as living benefits will remain a death benefit for your loved ones after you pass away
Health Insurance Exchange Alternative recommends this term life insurance policy with living benefits because it is designed to protect the future of loved ones and plan for the unexpected.
It’s a fact of life: accidents happen. And when they happen, accidents can leave you with medical bills you weren’t expecting. Even the best health insurance comes with deductibles, coinsurance and other out-of-pocket expenses that can really add up.
With Accident Medical Expense from Assurant Health, you get help paying your out-of-pocket medical expenses so that when an accident happens to you, you can concentrate on getting well.
The average length of a hospital stay has declined over the past 10 years. A shorter hospital stay may mean additional out-of-pocket expenses before you reach full recovery.
Your medical plan provides benefits to help with medical costs during a hospital stay, but once you leave the hospital things like lost wages plus the costs for help with transportation, meals, child care, or even housekeeping can all add up. Hospital Recovery Insurance provides cash benefits regardless of any other insurance you have.
By pairing it with your medical plan, you can extend your protection to help with those unexpected costs so you can focus on your recovery. The Hospital Recovery benefits are paid directly to you following an inpatient hospital stay discharge. How you use your benefits is up to you!