Accident Expense
Cancer Coverage
Dental
Final Expense
Hospital Indemnity
Long Term Care
Short Term Health
Travel Accident Insurance
Vision
Accident Expense - This product provides additional coverage for accidents. There is no underwriting review and benefits are paid directly to the insured. Coverage includes benefits for AD&D, hospital admission, fractures, x-rays, emergency room visits, ambulance, coma, rehabilitation, tuition and/or daycare, and seat belt and/or airbag, as well as riders for outpatient sickness, ICU, private duty nurse, and surgery and anesthesia. Full family plans are available.
Cancer Coverage - Did you know that 63% of the charges associated with cancer are not covered by any major medical plan? This is where these plans can really help. Benefits are paid directly to the insured even if other insurance pays. Coverages include cancer diagnosis, medical procedures, hospital confinement, lodging, transportation new/experimental treatment, and more.
Dental - Are you an individual whose employer does not offer dental or vision in their benefits package or self-employed and not eligible for group benefits? If so, this product is perfect for you! Plans include free choice of dentist, discounted charges if you use a network dentist, increasing benefits, orthodontia, and no age restrictions.
Final Expense - Planning now is an ideal way to ease the emotional and financial burden of losing a loved one. Your family will appreciate the small effort you have put forth to make life for them a little bit easier. This whole life policy offers a choice of level or graded death benefits. Premiums will never increase, death benefits will never decrease, no medical exams are necessary, an accelerated death benefit is available, and the policy cannot be cancelled due to age. You decide how much death benefit is needed, from $1,000 to $25,000. Issue ages are 0-85.
Hospital Indemnity - This product is a great way to supplement a high-deductible major medical plan or provide coverage for those with no medical insurance. It pays a daily benefit to the insured individual for hospital stays over 24 hours regardless of other insurance coverage. Optional riders are available for emergency room expenses, accidental death, outpatient treatment, intensive care treatment, private duty nurse, surgery and anesthesia, and ambulance and transportation. Full family plans are available.
Long Term Care - Protect what you've worked all your life to acquire with long term care insurance. Premiums are based on health and age, so many younger individuals are purchasing these plans at a discount and paying them off during their wage-earning years. Plans are customized to suit individual needs and include home health care.
Short Term Health - Is your life in transition, leaving you temporarily without health care coverage? Are you seeking an affordable alternative to high COBRA premiums, a temporary or seasonal employee, a dependent no longer eligible on your parent’s plan, a recent college graduate, or fulfilling your probationary period on a new job? Short-term health insurance is a limited benefit program designed specifically for temporary health care coverage from 30 days to 183 days. You must be a Montana resident without any health care coverage to be eligible for this product.
Travel Accident Insurance - Do you travel internationally? While many domestic health insurance policies provide international coverage, they do not provide an emergency support system for people travelling abroad. Travel Accident insurance provides that emergency support system. It can be called an international supplement to a domestic health insurance policy. Travel Accident Insurance provides many services in the areas your domestic health insurance policy does not such as pre-travel assistance, medical emergency services, legal assistance, travel assistance, emergency medical evacuation, repatriation, and passport replacement.
Vision - Did you know that a thorough eye exam is key to finding vision problems and an important preventive step in maintaining your overall health? Individual comprehensive vision coverage including exams, lenses or contacts, frames, and a refractive surgery discount is available through a provider network.
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