Learning About Enhanced Coverages

 

When Health Insurance Is Not An Option or Unaffordable In Out-Of-Pocket Costs

Supplemental insurance products may help protect either the uninsured who don’t have qualifying life events that allow them to enroll, or the insured who have health insurance coverage with unaffordable out-of-pocket medical costs.
 
Short-Term Medical  Learn More 		 
Accident Insurance Learn More 		 
Critical Illness Insurance Learn More

Cancer Insurance Learn More 		 
Fixed Indemnity Plans Learn More
1.    Can a person get approved quickly?
Yes, typically within a week. Yes, typically within a week. Yes, typically within a week. Yes, typically within a week. Yes, typically within a week.
2.    Can a person cancel at any time?
Yes, its easier to cancel if you pay month-to-month instead of a lump sum Yes Yes Yes Yes
3.    Does it have a deductible?
Typically, yes Typically, no No No No
4.    What does it cover?
Benefits vary from plan to plan, but plans often cover ER and Doctor visits, non-emergency medical care delivered in a hospital. Benefits vary from plan to plan, but typically pay you directly when you experience a qualifying injury covered by your policy. Plans make payments to customers when they’re diagnosed with anillness covered by your policy – like heart attack, stroke, and cancer. Plans make payments to customers when they’re diagnosed with acancer covered by your policy – like breast, prostate, colon, and lung. Plans make a fixed payment to you when you’re treated for a covered injury or illness that is covered by your policy.
5.    Does it cover prescription drugs?
It will vary from plan to plan. No No Yes, for illnesses covered by policy. No
6.    Does it cover maternity benefits?
Typically, no No No No It will vary from plan to plan.
7.    Does it protect me from the Obamacare tax penalty?
No No No No No
8.    Will it cover pre-existing conditions?
Typically, no No No No Typically, no
9.    Is it required to cover the 10 essential health benefits required by the Affordable Care Act (Obamacare)?
No No No No No
10.  If I apply, is coverage guaranteed?
No No No No No
11.  Does it have dollar limits on coverage?
Yes, it will vary from plan to plan. Yes, it will vary from plan to plan. Yes, it will vary from plan to plan. Yes, it will vary from plan to plan. Yes, it will vary from plan to plan.
12.  Can I keep it as long as I make payments?
No, once your term is up you’ll need to reapply and approval is not guaranteed. Yes Yes Yes Yes