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Tennessee Supplemental Insurance
With any Tennessee health insurance plan with a 5000 out of pocket maximum or higher, I always suggest adding supplemental insurance for accident and critical illness. The best known carrier of this type of coverage is AFLAC, however there are several other options available that are comparable or better than their products, depending on needs and how you want the policy set up. Accident/Critical Illness policies are VERY affordable, around 35 dollars per month covers you for 5000 in accident and critical illness insurance. Accident coverage pays 100% of any accidental injuries minus a 100 dollar deductible. Critical Illness pays out a lump sum equal to the benefit selected in the case of any invasive cancer, heart attack, or stroke.
Click the banners below for self service accident plans. These plans are not intended to replace major medical coverage, but are quality coverage for someone who wants to supplement their major medical insurance. They can also be used in addition to a HSA plan to provide bridge coverage before the deductible is met, or reduce the risk of a high deductible plan.
Hospital Indemnity
GTL offers a policy that pays a per day benefit for inpatient stays in the hospital. They are rather affordable, and can be set up to coordinate with Tennessee major medical insurance or medicare advantage in order to basically cancel the deductible out, at much lesser expense than the cost of lowering the deductible itself.
Cancer and Critical Illness Insurance
We offer several options for Cancer or Critical illness insurance that pay out a lump sum on first diagnosis of several different types of critical illnesses. Policies are available from Assurant Health, and GTL that have varying levels of coverage and cover different events. Please contact me and I would be happy to go over available options.
Accident
American General has a fantastic accident and critical illness insurance, it covers accidents up to 15000 per year, with a 0-500 dollar deductible, and up to 25000 lifetime benefit for cancer, stroke, or heart attack. They do not have a online link for this product, please contact me for details and pricing.
Assurant Health has an accident policy that is fantastically priced, and rates vary based on risk of job and if you need on the job coverage. It pays per incident benefits based on injury and has many options available that can be used to increase benefits or left off to decrease premiums. This policy is extremely affordable, usually under 18 dollars per month for a single member.
VBA (Value Benefits of America) provides a full family accident policy combined with discount benefits. It is available for 5000 and 10000 dollar benefit amounts. Their accident policy pays out a per incident benefit for any accident, equal to all medical bills minus a 100 dollar deductible.
WBA - Wholesale Benefits Association has individual accident policies that pay a benefit equal to all medical treatments of any accident up to the coverage limit, minus a $100 deductible. They offer individual coverage, where VBA does not.
