Covering Gaps in Health Insurance

We all know there are deductible gaps not covered up front by regular health insurance plans. These are some simple and low cost ways to cover some of these holes. To be honest, these plans work extremely well since the number of people that file claims is low, so give us a call if you get injured and we will walk you through how to file a claim. My amazing employee Tamara’s family has used the plan and here is her real life example of how the policies really work. If you are prone to acute injuries columbiascdentist.com/valium/ or accidents, have kids who play sports, a blue collar worker (work with your hands) or if you have a family history of cancer these plans are likely to pay off! We all want something that will actually pay off, so wanted to do the math for everyone to show the break even point for when they do pay off.

ENROLL HERE for an Accident, Critical Illness or Hospitalization Plan

I ran an example quote below in the orange graphic below of a 45 year old man that buys a policy for $27.78/mo with a $7,100 per year max benefit, which resets ever year. He could file a claim every year if he had to. $27.78/mo X 12 months = $333.36 cost per year $7,100 max annual benefit / $333.36 cost per year = 21.3 years (break even point) This means if you have an injury or accident claim of $7,100 within a 21.3 year period you will come out even. If you use it in more than one year or one occation you will come out ahead. The real reason this pencils out is that people sometimes forget to file a claim.

Accident Insurance – Covers new accidents or injuries with a $100 deductible. (click here for the overview brochure)
- Sample policy for further details here
Critical Illness – Get this if you have a family history of Cancer, Stroke, Heart Attack or major illness. Pays a flat amount up to $50,000 per occurrence.

To enroll do it yourself below or call us at 425-802-2783 or health@achieve-alpha.com

Sign Up for a LifeSecure Plan HERE on your own

NOTE: None of these plans pay out for preexisting conditions. They are lower cost affordable plans for a reason and intended for ONLY new medical conditions. For the accident plan, you must seek medical treatment with in three days of a covered claim.

Accident Insurance:

This Accident Plan is a direct reimbursement plan that is not linked to a health insurance plan, so it will pay up to the policy maximum. One strategy we see is, instead of buying a Gold or Silver plan is to get a Bronze plan, yet being exposed to a $6,000 Deductible is a bit scary. This solution would help ensure that in an accident you would have extra financial protection. However, it will not cover ongoing illnesses, sicknesses, medications, or cancer. It’s only for those NEW injuries or accidents Example of how the Accident Insurance plan works: Payment of benefits is subject to all of the following: · The Accidental Injury occurred while this Policy was in force; · Initial care must be received within 72 hours (3 days) of the accidental injury. · Initial Care begins within one (1) year of the Accidental Injury; · Due Proof of Loss is provided; · Care for the Accidental Injury is received while this Policy is in force and within the US or Canada; and · The Annual Benefit Bank is not exhausted. · You must obtain and provide: copies of all itemized bills from the hospital, doctor, urgent care or accident service provider; and the Explanation of Benefits (EOB) from the primary insurance provider for each itemized bill. The EOB will be reviewed for any provider discounts that may have been applied to the charges; and copies of any medical documents which support the dates of service, treatment, diagnosis & explanation of how the accident occurred (e.g. ER Physician’s Report or physician’s office evaluation notes). Dollar-for-dollar reimbursement for: Emergency Room, Hospital, Urgent Care, Surgery, Diagnostic Exams, X-Rays and Physical Therapy.

Critical Illness:

You will receive a lump-sum payment (from $5,000 to $50,000) upon the first diagnosis of a Specified Disease, based on your selected Benefit Amount and the % shown in the chart below:

Specified Disease	% of Benefit Amount payable upon first diagnosis
Heart Attack	100%
Stroke (CVA)	100%
Coronary Artery Disease	25%
Invasive Cancer (Sometimes referred to as infiltrating cancer)	100%
Carcinoma in Situ (Stage 0 and/or TisN0M0)	25%
Prostate Cancer	25%
Skin Cancer	5%
End Stage Renal Failure (Stage 5 Chronic Kidney Disease)	25%
Major Organ Failure	100%

Hospital Recovery Insurance:

The benefit amount payable to you is determined by multiplying your Daily Benefit Amount by the number of days you are hospitalized as an inpatient, up to a maximum of 30 days, during a single calendar year. The Daily Benefit Amount and Annual Benefit Bank Amount are per covered family member. You must qualify for coverage based on LifeSecure’s underwriting criteria.

Below are our areas of expertise:

Health Insurance (Every company in Washington State)
Life Insurance (33 companies)
Disability Insurance (8 companies)

Gary Franke & Tamara Chandler Independent Broker Achieve Alpha Insurance LLC 227 Bellevue Way NE, Ste 715 Bellevue, WA 98004 (425) 802-2783 health@achieve-alpha.com www.achieve-alpha.com This is an interesting breakdown of injuries by age for many common activities.