Products: Advantage Plus Indemnity

When selling Health Insurance plans to your clients are you thinking about how they will pay the hospital, skilled nursing, ambulance and other co-payments?

These numbers can add up quick and could cause your client to have a very large bill to pay in just a short period of time. Here is a scenario that could be quite frightening to a senior consumer.

Your client is 65 years old, on a very limited income, and could not afford a traditional Medicare Supplement plan for $100 per month. Let’s say you or someone else sold this consumer an alternative plan that has:

• An annual maximum out of pocket limit of $3000
• A hospital co-payment of $150 per day for 4 days
• And an ambulance co-payment of $150

*This is one example of how this plan could help offset some of the extra expenses that a consumer could encounter. For additional examples of how to use this plan to help offset out of pocket costs with a group retirement health plan or a High Deductible Plan F, please contact one of our representatives.*

Your client has possibly been enjoying the benefits of a $0 premium alternative Medicare plan, a low cost group health plan with deductibles and co-payments or a low costing High Deductible Plan F, but a few months into the plan, they have an illness strike that causes them to be rushed to the hospital by ambulance and they spend 6 nights in the hospital.

Just the ambulance trip and hospital stay will equal $750 or more that will likely be due during just a one month period. Now remember, your client could not afford a $100 monthly premium for a Medicare Supplement. The question is, how are they going to afford a minimum of $750 during a one month period.

That’s where our Advantage Plus plan comes into play*.For a small monthly premium of just $21.44 you could provide that same client with $150 daily hospitalization coverage and a $200 ambulance benefit. In the same scenario, your client would have had $1100.00 paid to them directly by the insurance company, which would have been plenty to offset the large bill they received.

*This plan is a limited benefit plan and is not specifically designed to supplement any other health insurance plan that a consumer might have. All benefits are paid directly to the insured. The insured may use any and/or all monies to cover additional health expense costs listed or not listed above, or may choose to use the money paid to them in any fashion they wish* This plan is not a Medicare Supplement policy.

Here is one example of how many benefits your client can get from an Advantage Plus plan!

For Agent Use Only - Not for use with Consumers