Protection
When It
What supplemental insurance can
do for you and your family.
The cost of care
When most people think about the high cost of health care, they imagine expensive hospital stays— which is accurate.
The average hospital stay costs on average $11,700, and your employer health plan, private health insurance, or Medicare may only cover a portion of the costs,
leaving your family's budget stretched thin while you're trying to recover from an illness or injury.
But what about nonmedical costs?
These are costs you face as the result of an illness, and they are typically harder to anticipate than medical bills.
• Lost income when someone is ill or injured and can't work.
• Transportation to and from medical facilities.
• Parking fees.
• Extra care for children or other family members.
• Assistance from a home health aide.
• Modifications to make your home more accessible.
Did you know, studies found that
66.5% of bankruptcies in the U.S.
were due to unexpected medical issues?
recovering.
Even with major medical insurance, most deductibles, copays, coinsurance and some treatments and procedures are still not
covered. These costs and other non-medical expenses can add up quickly.
Supplemental Health Insurance: A Solution
These products can help cover the unexpected expenses related to heart disease, stroke, other critical illnesses, injuries and hospital stays. Supplemental health
insurance doesn't replace your major medical insurance, but rather supplements it.
WITH SUPPLEMENTAL HEALTH INSURANCE, YOU CAN EXPECT:
Benefits to be paid directly to you or your beneficiaries, not doctors or hospitals.
The freedom to use your benefits however you choose.
Benefits to be paid regardless of other insurance, including major medical.
household expenses, replacing lost wages and more!
Cancer
Insurance
Accident
Insurance
Heart &
Stroke
Critical
Illness
Hospital
Insurance
Cancer
Insurance
COST CALCULATOR
Breast Cancer Example
Medical Expenses
$109,559
Avg. Insurance Coverage
60%
Remaining Expenses*
$43,824
Supplemental Benefits*
Hospital
$675
Short-Term Disability
$4,459
Cancer/Specified-Disease
$7,687
Your Potential Benefit
$12,821
1-in-3
In the US, approximately
1-in-3 people will develop
cancer in their lifetime.
A lump-sum express payment when cancer is first diagnosed
Advocacy services and support
Benefits for wellness screenings and tests
Coverage for surgery, radiation and chemotherapy
Treatment-related transportation and family lodging
Optional coverages
Alternative Care rider
Help with pain management, nausea, and other treatment
Premium-return rider
Returns all premiums you pay for your policy, minus claims
Cancer In Real Life
Jennifer has a family history of breast cancer, so she purchased a
supplemental cancer plan with wellness benefits. The policy’s benefits
helped her pay for an annual mammogram beginning at age 35.
When her physician diagnosed early-stage breast cancer, Jennifer
received a lump-sum cash benefit of $10,000, plus $200 for each
prescribed radiation treatment. These funds were especially helpful
because she had to take sick leave from work without pay.
*This example is provided for illustrative purposes only.
COST CALCULATOR
Broken Leg Example
Medical Expenses
$7,274
Avg. Insurance Coverage
60%
Remaining Expenses*
$2,910
Supplemental Benefits*
Accidental
$2,345
Hospital
$299
Your Potential Benefit
$2,734
Accident
Insurance
1-in-8
In one year, 40.6 million
people, about 1-in-8,
for accidental injuries.
Fractures and dislocations
Injuries requiring surgery
Burns, lacerations
Disability
Accidental death and dismemberment
Hospital and emergency room visits, and more
Optional coverages
Inpatient hospital confinements
Treatment-related transportation
Family lodging expenses
ICU care
Accidents In Real Life
hometown. When choosing her new benefits, she signed up for
an accident policy “just in case.” Two weeks later, Diane was
broadsided at an intersection on her drive to work.
As she recovered, her policy paid benefits for the air ambulance,
emergency room care, surgery, hospital stay, and physical
therapy. She also received monthly disability payments until she
could return to work.
*This example is provided for illustrative purposes only.
38 Seconds
Every 38 seconds, on average,
someone in the US dies of a
heart-related disease.
COST CALCULATOR
Medical Expenses
$87,184
Avg. Insurance Coverage
60%
Remaining Expenses*
$34,874
Supplemental Benefits*
Hospital
$2,450
Short-Term Disability
$2,720
Critical Care & Recovery
$9,859
Your Potential Benefit
$15,029
Stroke Insurance
Heart Disease
It goes by many names: coronary heart disease, congenital heart
with that diagnosis comes many life-changing decisions, complex
medical care and a lengthy recovery.
Heart/stroke insurance policies can help bring financial protection
and peace of mind. Our policy benefits help when an insured
person requires a heart- or stroke-related hospitalization, heart
transplant, surgery, nursing care, and other covered issues.
Heart Disease In Real Life
Ron knew the statistics. One day he finally took them to heart, literally,
and applied for a heart/stroke policy at work. Nearly two years later,
He received an immediate $1,000 payment from his supplemental
policy, along with other benefits. The cash was a big help as Ron
slowly but completely recovered.
*This example is provided for illustrative purposes only.
795,000
Almost 800,000 people
have a stroke each year, and
strokes are the leading cause
of disability in the US today.
Heart Disease
Critical illness insurance pays lump-sum benefits upon the first diagnosis of common
types of accidental injuries and 7 other important categories.
COST CALCULATOR
Leukemia Example
Medical Expenses
$101,658
Avg. Insurance Coverage
60%
Remaining Expenses*
$40,663
Supplemental Benefits*
Hospital
$1,785
Specified-Disease
$7,320
Your Potential Benefit
$9,105
Critical
Illness
Critical Illness In Real Life
then his wife lost her job, and Gary planned to cancel the coverage to save money.
Before he got around to it, his wife was diagnosed with Stage IV lung cancer.
The policy immediately paid $37,500*, which they used to arrange the best care
and supplement their household income.
*This example is provided for illustrative purposes only.
COST CALCULATOR
Pneumonia Example
Medical Expenses
$11,336
Avg. Insurance Coverage
60%
Remaining Expenses*
$4,534
Supplemental Benefits*
Hospital
$1,938
Short-Term Disability
$1,025
Your Potential Benefit
$2,963
Hospitalization In Real Life
Joe always feared hospitals and avoided them whenever possible. He
didn’t even like visiting close friends and family when they were
hospitalized. Still, he felt he should buy a supplemental hospital policy
to complement his major medical coverage.
When Joe’s appendix was removed, his policy’s $200 daily hospitaliza-
tion benefit covered a variety of medical and nonmedical expenses.
*This example is provided for illustrative purposes only.
Hospital Insurance
policy or you can also include hospitalization and ICU benefits with
many other supplemental health products.
Hospital
Insurance
$30,000
A typical 3-day stay in a hospital
can average up to a $30,000 bill.
1 Trillion
US Hospital care treatment has reached
$1 trillion - that’s 32% of the country’s
total healthcare expenditure.
‐edge/0310/top‐5‐reasons‐people‐go‐bankrupt.aspx
American Cancer Society, Cancer Facts & Figures 2018.
National Safety Council, “Injury Facts,” 2017 Edition.
CMS.gov “National Health Expenditures 2017 Highlights,” htps://www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/nationalhealthexpenddata/downloads/highlights.pdf, 2017.
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Supplemental Health Insurance:
How can it work for you?
It pays to be prepared for critical
illnesses and injuries with
supplemental health insurance.
The Unexpected Happens
Your plans to enjoy the weekend are ruined when intense stomach pain sidelines you.
You Go To The Hospital
You go to the ER and are diagnosed with appendicitis. You will need surgery and will need to stay in the hospital for a couple of days.
Supplemental Health Insurances Helps When You Need It Most
Your supplemental insurance pays cash benefits directly to you
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