| SUPPLEMENTAL
HEALTH INSURANCE - VOLUNTARY BENEFITS Add
additional coverage for your employees
without adding to costs. Employee paid
individual health insurance benefits are
gaining popularity and are a common
addition to well designed health
insurance plans. These supplemental
health insurance programs are the perfect
complement to traditional health
insurance programs. Searching for a
portable policy for your employees? All
programs can be purchased by the employee
to provide personal health insurance
protection. Get
details / free quotation from The Benefit
Network.
Dental
The
better dental plans provides basic,
preventive and major dental benefits to
covered individuals. Often eligible
treatments are listed in the policy by
ADA (American Dental Association) code.
In many cases a dental wellness benefit
is payable once per visit, regardless of
the number of treatments received. In
some case, for benefits to be payable,
150 days or more must separate dental
wellness visits. Often this type of
benefit is payable twice per policy year
per covered person. Usually dentist or
dental hygienist must perform the
treatment. In many cases there is no
waiting period for this benefit. Rates
and services vary by carrier selected and
by state.
Click
here for Dental Information!
Accident
A
good accident plan is designed to help
cover the expenses associated with an
accidental injury. Good plans pay you
directly, unless you assign benefits,
regardless of any other insurance you may
have. Benefits are determined by state,
and by carrier but include among others:
- Accident
hospital confinement
- Accidental
death and dismemberment
- Annual
wellness benefit
- Plus
many others
Click
here for Accident Information!
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Long-Term
Care
A
good Long-Term Care policy provides the
assistance you need if you have a chronic
condition leaving you unable to care for
yourself for an extended period of time.
Benefits are determined by state, and by
carrier selected but may include:
- Nursing
home
- Bed
reservation
- Alternate
plan of care
- Plus
many others
Click
here for Long Term Care Information!
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Life
The
better plans offer whole life insurance
and a combination of both to provide the
level of coverage you need. Usually you
can apply for up to $100,000 ($50,000 for
applicants over age 50) total coverage.
In addition, in some cases the health
questions on your application for
coverage do not require a medical exam or
blood test. Your premiums will be
automatically deducted from your
paycheck. The Best plans allow coverage
automatically and will include a Waiver
of Premium Benefit in case of total
disability and an Accelerated Death
Benefit. Benefits are determined by
state, and by carrier selected.
Click
here for Life Information!
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Short
Term Disability
A
good short term disability insurance plan
may help provide you with a source of
income if you become disabled due to a
sickness or off-the-job injury. Good
plans provide monthly benefits for
periods of 3 months, 6 months, 12 months
or 24 months. With better short term
disability insurance plans, your policy
stays with you regardless of job change.
Benefits are determined by state, and by
carrier selected.
Click
here for Short Term Disability
Information!
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Sickness
Indemnity
Often
better plans will pay a benefit when a
covered person is charged for required
hospital confinement of 14 or more hours
for a covered sickness or injury.
Benefits are determined by state, and by
carrier selected but may include among
others:
- Physician
visit benefit
- Hospital
Confinements
- Surgical
benefit
Click
here for Sickness Indemnity Information!
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Cancer
When
a covered individual is diagnosed with
cancer, better plans provides benefits
for hospital confinement, radiation and
chemotherapy and surgery, among others.
In addition, the better policies will pay
a first occurrence benefit when a covered
individual is first diagnosed as having
internal cancer. Benefits are determined
by state, and by carrier selceted but may
include: Hospital confinement Radiation
and chemotherapy National Cancer
Institute (NCI) evaluation/consultation
and an annual wellness benefit plus many
others. Coverage vary by state and by
carrier selected.
Click
here for Cancer Protection Information!
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Intensive
Care
Better
plans pay a benefit if you or any covered
individual is confined to a hospital
intensive care unit, or sub-acute unit,
neonatal unit regardless of any other
insurance you may have. Plans vary by
state and carrier selected.
Click
for Intensive Care Information!
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Get a
free quotation from The Benefit Network!
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