"Our mission is providing the right products for our customers in helping them take care of their insurance, as well as financial investment needs, both short term and long term." ~ Tim Joslen
Portland / Vancouver Metro - 360-256-7536
Supplemental Health Insurance Pays What
Major Medical Does Not Cover
Supplemental Health Insurance can be a big help in covering costs that your major medical plan does not cover and many people find this to be an effective way to add an additional layer of protection, that can also be cost effective. Here are some of the ways it can help:
· It covers out of pocket expenses such as co-pays, co-insurance, deductibles and medical costs so you can keep your cash and allows for better budgeting.
· If you are uninsured, a supplemental insurance policy is your first link of defense to help you avoid going into debt.
· You are paid directly to use the cash for medical bills or everyday living expenses.
· Rates are fixed and coverage can be as little as a dollar a day for an individual. There are no deductibles and coverage is guaranteed renewable.
Here is an example of some of the specialty health insurance policies we can help you with as well
Accident Insurance Plans - Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays or medical exams, but for other expenses you may face, such as transportation and lodging costs.
When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that. You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance: broken teeth, concussions, Intensive Care Unit confinement, ambulance services, ground and air transportation, Emergency Room visits, and other expenses.
Cancer Insurance Plans - In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments. A supplemental cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy
Critical Illness Insurance Plans - Critical Illness Insurance Plan is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.