Supplemental Coverages

If a serious illness strikes, you probably will live. But, few of us are prepared for the financial burden of recovery. Health insurance doesn't come close to covering all of your expenses.

How would you replace your lost wages or your spouse's while helping to care for you? Where would the money come from for home and car payments, deductibles, treatments outside of your health network, or home health care? What if you couldn't return to your present job and salary?

If you add your usual monthly bills and then subtract lost income while you recuperate – it might equal a financial disaster at an already stressful time.

With medical advances, surviving a serious illness has become commonplace.

• Every 24 seconds someone is diagnosed with cancer.
• More than 8 million people are living with cancer.
• Every 29 seconds someone is having a coronary event.
• 88% of heart attack patients under 65 return to work.
• Every 45 seconds someone is having a stroke.
• 71% of all first time stroke victims survive more than one year.

But the road to recovery can be financially crippling. Unpaid time away from work and the costs of deductibles, co-pays, second opinions, prescriptions, rehabilitation, home health care, travel, and alternative treatments can create a real financial burden.

Critical Illness Insurance pays a lump sum benefit upon first diagnosis of life threatening cancer, heart attack, stroke, major organ transplant, and end-stage renal failure; or, first treatment by coronary bypass surgery or angioplasty.

One American dies every 5 minutes as the result of an accident.

The statistics on fatal accidents are grim and nothing can really prepare your family should the unthinkable happen to you. However, you can be protected with Accidental Death Insurance QuoteRetriever.com. Your loved ones can receive up to $1,000,000 in benefits upon your death -- payable regardless of any other insurance you may have and income tax free under current federal tax laws. Best of all, your premiums are easy on your checkbook with coverage starting at 83 cents a day.

While no amount of money will ever truly make up for a loss, the valuable benefits of Accidental Death Insurance can help lessen an already stressful time for those left behind.

Health insurance is a good way to help pay for the cost of medical treatments that may be necessary, but most plans offered today don't pay all the costs if your treatment requires a visit to you physician, the emergency room, or an extended stay in the hospital.

The average length of stay at a U.S. Hospital in 2003 was 4.8 days. Even just a couple days in the hospital could be costly to you. Lost income, medicine and therapies can quickly add up.

Supplemental health insurance, "Hospital Income", can help protect your hard earned savings, and it can help you cover some of the costs associated with hospital care. If you have little or no savings and spending time in the hospital could cause a major financial burden to you family, the Hospital Income Insurance may help protect your finances.

Here's what you get with most Hospital Income policies:

• Benefits paid directly to you unless assigned to someone else.
• Benefits paid regardless of other coverage.
• Coverage available for individual or entire family.
• Premium is based on age at issue.
• Guaranteed renewable to age 65, subject to change in premiums by class.

It's probably crossed your mind that your or your family need treatment for heart disease or stroke. And you may have thought about ways it would affect your life and your loved ones. No one likes to think about getting coronary artery disease. But Coronary Heart Disease is the single largest killer of American males and females. About every 29 seconds an American will suffer a coronary event, and about every minute someone will die from one. About 40 percent of people who experience a coronary attack in a give year will die from it. And, did you the know that the Coronary Heart Disease costs, both direct and indirect, were estimated at $142.5 billion for 2006?

Heart/ Stroke Insurance allows you to receive treatments and help yous family's finances intact. Medical insurance often stops short of considering indirect costs "essential" but many of these costs are covered by Heart/ Stroke Insurance. These benefits can be used to help cover some of your extra out-of-pocket expenses; like travel to medical facilities, help around the house, mortgage or credit card payments. It's a smart, cost effective way to supplement your current coverage.

Hospitalization Related Benefits:
Hospital Confinement; Physician's Attendance; Impatient Drugs and Medicine; and Private Duty Nursing.

Transportation and Lodging Benefits:
Ambulance; Non-Local Transportation; and Family Member Lodging and Transportation.

Other Heart/ Stroke Benefits:
Physiotherapy; Oxygen; Cardiograms; Cerebral and Carotid Angiogram; Coronary Angioplasty; Pacemaker Insertion; Thromboendarterectomy; Coronary Artery Bypass Graft Operation; Heart Transplant; Second Surgical Opinion; Cardiac Catheterization; Blood, Plasma and Platelets; and Surgery and Anesthesia.

Approximately one-half of all American men and one-third of all American women will experience some type of cancer during their life times. While advanced treatments have vastly improved the outlook for millions of patients, the costs of these treatments can sometimes be overwhelming. A Cancer Policy covers most in- and out-of-hospital medical services, as well as chemotherapy, transplants, ICU confinement, National Cancer Institute evaluations and more.

Cancer Insurance is something you hope you'll never need. But should that need ever arise, cancer insurance can help manage the cost of cancer treatments by picking up where traditional health insurance leaves off. If cancer strikes you or your family, a cancer insurance policy can help provide the protection you need to face the future with confidence.

A lot of cancer related indirect expenses may not be covered by health insurance, but you can protect yourself from some of the costs. Indirect expenses can include things like transportation lodging, food, missed work, home recovery and extended care. This is why it pays to have cancer insurance. Cancer insurance provides benefits to help pay for cancer related expenses that health insurance might not cover. And, because its supplemental, it works in addition to other insurance you may have, like medical and disability income insurance. You can use it to fill in the benefit gaps of your other policies.

Hospitalization Related Benefits:
Continuous Hospital Confinement; Drugs and Diagnostic Testing; Attending Physician or Surgeon; and Private Nursing.

Transportation and Lodging Benefits:
Ambulance; Patient Transportation; Family Member Transportation; and Family Member Lodging.

Extended Care Benefits:
Skilled Nursing Facility; Hospice Care; Home Care Recovery.

Other Cancer Treatment Benefits:
First Occurrence Benefit; Anesthesia; Bone Marrow Transplants; Surgical Procedure; Second Surgical Opinion; Ambulatory Surgical Center; Prosthesis and Reconstructive Breast Surgery; Radiation and Chemotherapy; Comfort and Ant-nausea Medicine; Blood, Plasma, and Platelets; and Waiver of Premium.

An accident can wreak havoc on your savings if you're not prepared. That's why there's accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly.

On average there are 11 unintentional-injury related deaths and about 2,330 disabling injuries every hour during the course of a year. Nearly 1 in 8 people sought medical attention or suffered at least one day of activity restriction because of an injury.

Accident insurance can pay you a lump sum benefit for off-the-job accidental injuries, plus some medical benefits. Because accident insurance is supplemental, it works in addition to any other insurance you may have. You can use the policy on its own or to fill a gap left by your other coverage.

The policy included benefits for:

• Dislocation
• Loss of Life and Limbs
• Medical Expenses
• Ambulance
• Hospitalization Benefits
• Disability

Optional Additional Riders Include:

• Accident Follow-Up Treatment Benefit
• Lacerations Benefit
• Appliance Benefit
• Family Member Lodging Benefit
• Eye Surgery Benefit
• Skin Graft Benefit
• Blood and Plasma Benefit
• Paralysis Benefit
• Open Abdominal or Thoracic Surgery Benefit
• Tendon, Ligament, Rotator Cuff, or Knee Cartilage Surgery Benefit
• Physical Therapy Benefit
• Rupture Disc Surgery Benefit
• Non-Local Transportation Benefit
• Brain Injury Diagnosis Benefit
• Burns Benefit
• Initial Hospitalization Benefit
• Prosthesis Benefit
• Coma with Respiratory Assistance Benefit
• Hospital Intensive Care Unit Confinement Benefit