We designed a family package of supplemental insurance policies to help cover maternity costs for your family. It consists of our Hospital Protection Plan for your hospital confinement stay and our Personal Sickness Plan for physician visits and hospital confinement. A Hospital Intensive Care Plan pays benefits when a covered person is charged for confinement in a hospital intensive care unit.
In Wisconsin? Call James McGrane at 920-809-1225
e-mail: jmcgrane.aflac@gmail.com
Health Insurance for Pregnant Women by Tom Lustina
A pregnancy is an exciting time in any young couple’s life. So much love and care goes into successfully delivering that little bundle of joy that it is common to overlook something like pregnant health insurance. Some expectant couples make the mistake of assuming their health insurance policy will automatically cover their pregnancy. Sometimes that is not the case because pregnancies cost so much over the course of their nine months. With multiple doctor’s visits, hospital stays, and the potential for a complicated delivery, you will want to inquire about pregnant health insurance.
Pregnant health insurance must be purchased before the onset of the pregnancy and can be obtained through an employer’s group policy or by purchasing supplemental health insurance. Ask your health insurance agent about pregnant health insurance and why it’s important for your pregnancy.
Find out specifically what will be covered by insurance throughout the pregnancy, how high your deductible is, and what is not covered until the deductible is reached. Learn whether your deductible applies to the entire family or per family member. If the deductible applies per family member, find out what the total deductible above and beyond this deductible is.
Go online to both research costs and request health insurance quotes from local agents. Best case scenario is to secure insurance prior to pregnancy, but options are available after pregnancy, as well. It is important to understand the insurance terminology and the estimated cost of your pregnancy.
Here are some fast stats on pregnancies in this country and why pregnant health insurance is important:
* 13 percent of pregnant women are uninsured * A much larger percent are underinsured * Pregnancies can cost up to $8,000 with complicated pregnancies costing even more
Pregnant health insurance might be unattainable for some since most pregnant health insurance options are only available if they’re purchased before the start of the pregnancy. But that doesn’t mean you will be left in the cold if your pregnancy wasn’t planned. You can look into other healthcare options other than pregnant health insurance such as Medicare, Medicaid, AmeriPlan, WIC, etc.
Plan Ahead With Pregnant Health Insurance
So if you are planning on starting a family with the one you love then make sure you will not have financial worries. You should focus all of your attention on delivering a happy, healthy baby and pregnant health insurance will allow that. So take the next step and talk to your employer about their group policy or go online and compare supplemental health insurance quotes to get covered today.
Hospital indemnity insurance pays a specified amount of cash benefits for each day that an insured is hospitalized, generally up to a designated number of days. These cash benefits are paid directly to the policyholder, can be used for any purpose, and can be useful in meeting out-of-pocket expenses not covered by other insurance.
Despite the economy, a survey of 833 employers* shows the majority have not seen voluntary benefits participation levels change during the past year. Of those who have seen changes, the number reporting participation increases (14.4 percent) was nearly double that of those reporting decreases (7.9 percent).
Why did participation go up? Employers reported that their employees:
* Appreciate a broader range of benefits – 52 percent.
* Are assuming more responsibility for their health and welfare – 43 percent.
* Are seeking ways to manage risk – 26 percent.
* Are looking for advice and guidance on financial loss – 23 percent.
* Are seeking ways to cover themselves and/or dependents as a result of spousal job loss – 23 percent.
* Are seeking portable benefits due to decreased job security – 12 percent.
These survey results show that consumers want voluntary coverage now more than ever. Employers understand the value of offering Aflac products. Regardless of the economic situation, consumers and decision-makers need the peace of mind Aflac can help offer.
* Top Trends in Voluntary Benefits: Survey Results, International Foundation of Employee Benefit Plans, August/September 2009. Ninety-one percent of survey respondents represent corporations.
A recent survey of nearly 500 full-time workers* shows that while employers may be looking to reduce costs any way they can, they should recognize the potential long-term effects of reducing benefits. For example, 27 percent of full-time employees say they would look for another job if their employer eliminated medical insurance. Consider this:
* Benefits are so important to employees, 57 percent say they would be willing to take a salary cut or do without a raise or bonus to maintain current coverage levels.
* Half of employees would consider paying all or most of the costs for voluntary insurance if their employer made it available.
* Women and those in professional/managerial occupations are significantly more open to considering voluntary benefits.
* Opinion Research Corporation of Princeton, NJ, June 25-28, 2009
by Martin C. Johnson
There are 1.2 million Americans diagnosed with cancer every year. Most health insurance policies do not cover this “specified disease” or “dreaded disease”. The cost of cancer diagnostics, operation or removal and cancer treatment are overwhelming to the victim and to their families as well. I should know, several of my family members have died from cancer over the last 13 years. Getting cancer insurance can help ease these financial burdens and give peace of mind to you and your family. What many people don’t realize is most regular health insurance policies do not cover cancer treatment. Although some policies include a few cancer diagnostic tests or minimal treatment, they not cover the whole gamut of cancer treatment. Some treatments are very expensive. Expenses for cost of travel to a cancer treatment facility are not also covered by health insurance policies.
My friend’s wife had cancer and thank God she survived. During the treatment, they had to coordinate transportation from friends to a get her to her daily treatments. This caused a lot of stress on my friend. After that experience about 3 years ago, I bought a cancer insurance policy that covers my family. I pay about $88 bucks a month. It would have been cheaper $47 but I got the kind that returns all of my premiums to me after 25 years minus any money that has been paid out on claims. So, if I don’t have a claim, I get all of my premiums back. I am still amazed at how robust the plan is. It has a rider that pays $350 per pay to me if any of us need radiation or chemo therapy. This would cover me for missed work or transportation costs or to hire friends to help in any way I need. You shouldn’t have to hire friends but you can’t deposit friendship in the bank either. My plan is virtually free since it pays for my wife and I to have our annual cancer screenings. It pays the greater of $50 or the actual cost. Even though I am a member of an HMO, I simply get the itemized statement and send it in with the claim form. Since it is the insurance is supplemental I get the payment even though I didn’t pay for the screening tests.
Cancer insurance is a supplement to health insurance assuring that treatment and incidental expenses are covered should such illness arise. The coverage for this type of insurance may comprise of: * Treatments while being an in-patient as well as being an out-patient. This includes radiation, chemotherapy, medications, etc. * Transportation and living expense if cancer treatment is made out of town. Payment of traveling expenses for specialists may also be part of the coverage. * Ambulance or air ambulance service when needed by the victim. * Full-time nursing care and facility when treatment is made away from the victim’s residence. * Reconstruction and prosthesis may be part of the insurance plan. * Special diagnostic tests needed to determine type of cancer may be covered by the plan.
As outlined above, cancer insurance deals with services and treatment that are specific to cancer. The price of such insurance may surprise you; it is very reasonable. The price depends on what is included in the plan. Choosing a cancer insurance plan should be made carefully and should not be redundant with what is contained in your regular health insurance.
About the Author
Martin Johnson is The Insurance Owl. Martin will help you make wise insurance decisions. Please visit our website at http://theinsuranceowl.com We believe that most people want to make the most of the dollars they spend on insurance but they just don’t know where to start. Visit our website and download my free Ultimate Insurance Checklist.
Aflac Cancer insurance is available in Wisconsin. Call James McGrane at 920-809-1225 for more information
Hospital Confinement Indemnity Insurance provides the benefit you need, when you need it. The Aflac program puts you under our wing by providing an array of benefits when you are hospitalized. And let’s face it, being in the hospital is a bitch.
The protection provided includes an Annual Hospitalization Confinement Benefit paid for the first five days of hospitalization. In addition, there is a Daily Hospital Confinement Benefit for up to 365 days. A Rehabilitation Unit Benefit is paid for each day you transferred to a bed in a rehabilitation unit of a hospital. There is an Invasive Diagnostic Exams Benefit for exams such as a colonoscopy. A Surgical Benefit is provided when a surgical operation is performed in a hospital or an ambulatory surgical center. If you have an invasive diagnostic exam or a surgical operation performed on an outpatient basis, there is an Outpatient Surgical Room Charge Benefit.
An optional Initial Hospitalization Benefit will pay a selected amount when you require hospital confinement for a covered sickness or injury. The benefits are available for the delivery of a baby after the first 10 months of the effective date of the policy, which makes it an ideal part of a “Baby Package”.
In Wisconsin? Call me at 920-809-1225
Accidents happen to all kinds of people every day.
In 2005, over 30 million people sought medical
attention for an injury and almost 3 million of these
were hospitalized.
What would the financial impact of an injury mean to
your secdurity? Are you prepared for medical debts
in addition to everyday household expenditures and
lost wages? Out-of-pocket expenses associated with
an accident are unexpected and often burdensome;
perhaps the accident itself could not have been
prevented, but its impact on your finances and your
well-being certainly can be reduced.
Aflac accident insurance is designed to provide you
with cash benefits throughout the different stages of
care, regardless of the severity of the injury.
In Wisconsin? Call me at 920-809-1225
Personal sickness indemnity benefits for sickness are valuable, and since the majority of emergency room visits and hospitalizations are sickness-related, missing these benefits could leave a gaping hole in your coverage.
• PSI is there when you need it … and even when you don’t! While the primary benefits of the policy pay for treatment of sickness, Physician Visits Benefits are payable for any reason. A policyholder doesn’t have to get sick to obtain the benefits of PSI.
• Benefits can be customized to meet each applicant’s specific needs! With three levels of coverage to choose from, applicants can select the Physician Visits and Hospital Confinement Benefit amounts that best meet their needs. The optional rider allows for additional customization to match benefits to the major medical hospital deductible.
• Although most people (particularly at younger ages), think of a hospital as a place to go for accidents, the majority of hospitalizations are actually due to sickness.
• As with other Aflac policies, we don’t use networks, there are no preauthorization requirements, PSI is portable, and benefits are paid directly to the policyholder, unless otherwise directed.
Dental insurance ranks as a highly sought benefit among employees. Most people with dental insurance regularly seek dental treatment. This allows policyholders to easily realize the benefits and increases the value of dental insurance. Most Americans are aware of the recommendation for dental cleanings and exams twice per year, and they appreciate a policy to help with these costs.
Aflac Dental policyholders have the freedom to choose any dentist. Several coverage options allows each applicant to choose the benefit amounts that best meet his or her needs. The policy pays a first dollar benefit for any qualifying treatment.
Rate stability is often a concern and the guaranteed-renewable provision means that Aflac cannot raise rates for a policy unless they are raised for all similar policies within a state with prior approval from the state’s Department of Insurance. The policyholder owns the policy. It is his or hers to keep regardless of employment status or group affiliation.
James “Skip” McGrane
In Wisconsin? Call me at 920-832-1089
aflac.com
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