Supplemental
They complement your existing health insurance to help provide extra financial protection and cash when you need it.
What is supplemental insurance?
Expenses related to an accidental injury and treatment
What can you use accidentwise payment for?
No waiting periods, premiums do not increase due to age, issue age up to age 90
What are the benefits of a HospitalWise plan?
1000, 2000, 3000
What are the different dental/vision plans available?
Heart Attack, Cancer, Stroke
What is covered by critical illness plan?
Dental/vision, accident, illness, wellness
What are the types of supplemental insurance?
10,000; 12,500; 15,000; $20,000
What are the different levels on AccidentWise lump sum payments?
$50 to $1000
What are the benefit amounts for a hospitalwise plan?
Preventive, Basic, Major Services
What types of dental services are covered by the Dentalwise plan?
Directly to you, not your doctor or hospital
How is payment made on a critical illness plan?
Pays cash directly to you
What is the benefit of supplemental insurance?
Hospital confinement, emergency room treatment, urgent care treatment, major diagnostic exam, follow up treatment or follow up physical therapy, outpatient surgery, accidental loss of life, limb or sight
What will accidentwise pay you for (as long as it is related to an accident)?
3, 6, 10, 21, 180 or 365
What are the benefit periods on a hospitalwise plan?
Cleanings, exams and x-rays
What are the preventive services covered?
transportation to treatment centers, out of network providers, out of network providers
What can you use a critical illness payment for?
Sickness or Illness
What are the different types of supplemental coverage?
72 hours, 30 days or 90 days
Within what time frame must the treatment be received?
72 hours - ER or urgent care treatment
30 days - major diagnostic exam, treatment or physical therapy or outpatient surgery
90 days - accidental loss of life, limg, sight
lump sum hospital confinement, outpatient surgery, skilled nursing facility, emergency care, ambulance transport, outpatient major diagnostic exam, wellness
What are some optional benefits available on a hospitalwise plan
Simple Fillings
What are the basic services covered?
First year - 60%
Second year and beyond - 8-%
0-90
What are the issue ages for a critical illness plan?
Deductibles, copays, coinsurance, rent/mortgage, car payment, child care, living expenses
How can you use your supplemental insurance payment?
Chesapeake Life Insurance or United Healthcare
What is the insurance company that offers the accidentwise policy?
Does not interfere with health insurance coverage
Can I have a hospitalwise plan if I already have health insurance?
bridges, crowns, dentures, extractions, partials, root canals, EVEN IMPLANTS
What Major services are covered?
First year - 15%
Second year+ - 50%
Implants - 50% after 12 month wait
$5000 - 100,000
What are the benefit amounts on a critical illness plan?
64+ $5000 - $50000