1-800-239-7553 WE WRITE ONLY FOR FLORIDA RESIDENTS WHAT IS SUPPLEMENTAL INSURANCE AND WHY DO WE NEED SOME? MOST EMPLOYERS DO THE BEST THEY CAN WITH EMPLOYEE HEALTH INSURANCE PLANS. THEY PAY EITHER 100% OR SOME PORTION OF THE EMPLOYEE'S INSURANCE. HOWEVER, WITH COSTS FOR THESE PLANS SKYROCKETING, EMPLOYERS ARE CHOOSING NEW PLANS WITH HIGH DEDUCTIBLES AND COINSURANCE AMOUNTS, WHICH ARE THE RESPONSIBILITY OF THE EMPLOYEE. EMPLOYEES AND INDIVIDUALS ARE FINDING THESE BURDENSOME DEDUCTIBLES AND OTHER OUT OF POCKET AMOUNTS DIFFICULT TO DEAL WITH, AND MAY SACRIFICE PROPER CARE FOR THEMSELVES AND THEIR FAMILIES DUE TO FINANCIAL HARDSHIP. WE ARE SEEING DEDUCTIBLES OF $1000 TO $5000 ON MANY EMPLOYER AND INDIVIDUAL PLANS WHAT HAPPENS IF AN EMPLOYEE CANNOT WORK DUE TO A DISABILITY? WHAT HAPPENS IF CANCER STRIKES. EVEN IF YOUR REGULAR INSURANCE PAYS THE MAJORITY OF THE BILLS, YOU ARE LEFT WITH THE HUGE OUT OF POCKET EXPENSES, PLUS TRAVEL EXPENSES. YOUR MORTGAGE, UTILITIES AND GROCERIES STILL NEED TO BE PAID. PROTECT YOURSELF AND YOUR FAMILY. EVERYONE SHOULD HAVE SOME COVERAGE THAT WILL BE PAID TO YOU DIRECTLY, AND NOT TO HOSPITALS & DOCTORS. YOU CAN SET UP ANY OF THE FOLLOWING PLANS TO BE BILLED THROUGH PAYROLL DEDUCTION, OR INDIVIDUALLY. MOST EMPLOYERS ARE BILLED AND RECEIVE THEIR MONEY BACK THROUGH EMPLOYEE PAYROLL DEDUCTIONS. PLEASE REVIEW SOME OF THE OFFERED PLANS REMEMBER, YOU WILL BE PAID DIRECTLY FOR YOUR CLAIM THE FOLLOWING IS INFORMATIONAL, AND NOT INTENDED TO SHOW SPECIFIC BENEFITS FOR ALL AVAILABLE PLANS AND LIMITATIONS. 1. PERSONAL DISABILITY INCOME PROTECTOR - INSURE YOUR PAYCHECK! CHOOSE BENEFIT PERIODS OF 3, 6, 12, OR 24 MONTHS. SAMPLE RATE: EMPLOYEE EARNS $17,000 PER YEAR. AGE IS BETWEEN 18-49, WITH 0 ACCIDENT, AND 14 SICKNESS ELIMINATION PERIOD FOR COVERAGE OF $800 PER MONTH FOR 6 MONTHS. THE PREMIUM WOULD BE $4.02 PER WEEK. 2. CANCER PLAN - PLAN PAYS IN 4 WAYS (1) FIRST OCCURRENCE BENEFIT OF $1500-$5000; (2) BUILDING BENEFIT RIDER GROWS BY $500 PER YEAR; (3) PAYS IN MOST SEPARATE WAYS THAT CANCER IS TREATED. A FEW BENEFITS ARE HOSPITAL CONFINEMENT, RADIATION AND CHEMOTHERAPY, EXPERIMENTAL TREATMENT, SKIN CANCER, TRANSPORTATION BENEFIT, LODGING, AND MANY MORE. (4) WELLNESS BENEFIT ($75) FOR ANY COVERED PERSON TO GET CANCER SCREENING ONCE A YEAR AFTER 30 DAYS OF PAID PREMIUM. THERE ARE 3 LEVELS OF COVERAGE TO CHOOSE FROM, AND INDIVIDUAL WOULD PAY BETWEEN $5.01 PER WEEK, AND $8.42 PER WEEK, DEPENDING UPON LEVEL SELECTED. 3. SICKNESS PLAN - LEVEL 1 (OTHER HIGHER LEVELS AVAILABLE). PAYS $15 PER VISIT FOR PHYSICIAN VISITS (3 ANNUAL VISITS FOR AN INDIVIDUAL; 6 ANNUAL VISITS FOR FAMILY COVERAGE. HOSPITAL CONFINEMENT BENEFIT OF $50 PER DAYS 1 - 15 AND $100- PER DAY FOR DAYS 16 - 180. PAYS INITIAL HOSPITALIZATION BENEFIT OF $1000; SURGICAL BENEFIT UP TO $2000; AMBULANCE BENEFIT UP TO $1000; AND OTHER ADDITIONAL BENEFITS. AT THIS LEVEL 1, INDIVIDUAL COVERAGE FOR AGE 0 - 39 IS $6.76 PER WEEK. 4. HOSPITAL INDEMNITY PLAN - PAYS $600 FOR THE FIRST DAY FOR ANY MEDICALLY NECESSARY REASON, $100 PER DAY FOR DAYS 2 - 7; $200 FOR DAYS 8 - 30, AND $400 PER DAY FOR DAYS 31 - 80. PAYS $2000 LUMP SUM FOR FIRST HEART ATTACK, STROKE, COMA OR PARALYSIS. PLAN INCLUDED AMBULANCE BENEFIT, $100SHORT STAY AND REHABILITATION BENEFIT; $50 WELLNESS BENEFIT PLUS $50 - $1000 PER SURGERY. APPROXIMATE COST FOR INDIVIDUAL AGE 0 -39 $5.70 PER WEEK OTHER AVAILABLE PLANS INCLUDE: INTENSIVE CARE PLAN; PERSONAL RECOVERY PLUS PLAN; LIFE INSURANCE; DENTAL PLAN; LONG TERM CARE PLANS ASK YOUR EMPLOYER TO ALLOW US TO PRESENT THESE SUPPLEMENTAL PLANS. IF YOU ARE INTERESTED ONLY FOR YOURSELF OR YOUR FAMILY, PLEASE ALSO CONTACT US. PLEASE FILL OUT THE INFORMATION BELOW, AND CLICK "SUBMIT" |
THE MALONE AGENCY 1-800-239-1515 |
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| IF YOU DO NOT WISH TO FILL OUT FORM SIMPLY CALL US AT 1-800-239-7553 |