Design A THREE PART BENEFIT PLAN
Outpatient & First Dollar Benefits purchased through a conventional health plan result in substantially higher premiums, more difficult underwriting and, most commonly, deductibles that must be satisfied before they are available.By combining companies to create a Portfolio of Products specifically designed for YOUR needs, you are gaining the most comprehensive coverage for your premium dollar, as well as access to First Dollar Coverage. This can save premium dollars and reduces your overall percentage of annual rate increases.
The following options are available for your Personal Portfolio of Products.
Hosptial Stays & Surgeries $5 Million Lifetime Coverage per person $750 - $10,000 DeductibleVanishing Deductible - 25% decrease per year 100%, 80%, or 50% CoinsuranceStop-Loss ensures Out-of-Pocket Maximum UNLIMITED Ambulance Service - Ground or Air PPO Network or IndemnityNo pre-admission certification required Outpatient Care Outpatient Testing - labs, bloodwork, diagnostics Prescription Benefit Accident Coverage - $100 deductible Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
$750 - $10,000 DeductibleVanishing Deductible - 25% decrease per year 100%, 80%, or 50% CoinsuranceStop-Loss ensures Out-of-Pocket Maximum UNLIMITED Ambulance Service - Ground or Air PPO Network or IndemnityNo pre-admission certification required Outpatient Care Outpatient Testing - labs, bloodwork, diagnostics Prescription Benefit Accident Coverage - $100 deductible Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
100%, 80%, or 50% CoinsuranceStop-Loss ensures Out-of-Pocket Maximum UNLIMITED Ambulance Service - Ground or Air PPO Network or IndemnityNo pre-admission certification required Outpatient Care Outpatient Testing - labs, bloodwork, diagnostics Prescription Benefit Accident Coverage - $100 deductible Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
UNLIMITED Ambulance Service - Ground or Air PPO Network or IndemnityNo pre-admission certification required Outpatient Care Outpatient Testing - labs, bloodwork, diagnostics Prescription Benefit Accident Coverage - $100 deductible Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
PPO Network or IndemnityNo pre-admission certification required Outpatient Care Outpatient Testing - labs, bloodwork, diagnostics Prescription Benefit Accident Coverage - $100 deductible Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
Outpatient Care
Emergency Room Coverage Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost Critical Illness Living Benefit - paid to you when you need it most CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause Standard Life Full Application (CO) Standard Life EZ Application (CO) Standard Life Bank Authorization Occidental Life Application Occidental Disclosure
Physician Office Visits - any doctor, no networksComplete Annual Wellness Profile at No Cost
Critical Illness
CASH Benefit paid directly to YOU on diagnosis of:Heart AttackStrokeInvasive CancerBlindnessTerminal IllnessKidney FailureParalysisOrgan TransplantCoronary Bypass Death Benefit to Beneficiary, regardless of cause
Death Benefit to Beneficiary, regardless of cause
Standard Life Full Application (CO)
Standard Life EZ Application (CO)
Standard Life Bank Authorization
Occidental Life Application
Occidental Disclosure
Plan Option 1
Lifetime Coverage: $5 Million
Deductible:
Vanishing Deductible: 25% per year
Coinsurance:
Max Out-of-Pocket:
Ambulance Service: Unlimited
PPO or Indemnity:
Outpatient Testing:
Prescriptions:
Accidents:
Emergency Room:
Physician Visits:
CASH for
Critical Illness:
Cancer, Heart Attack, Stroke
Coronary Bypass, Blindness
Terminal Illness, Kidney Failure
Paralysis, Organ Transplant
Death Benefit:
Monthly Premuim:
Plan Option 2
Lifetime Coverage: $3 Million
Family Deductible: 1 per year
This Plan Qualifies for a
Health Savings Account
with Tax Benefits