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Welcome to Health Insurance Consulting, your top choice for health insurance consulting in South Dakota. Our personalized service and expert guidance make selecting the right health insurance coverage easy and hassle-free.

Whether you’re in Fargo, Bismarck, Grand Forks, or anywhere else in the state, we’re here to help you navigate the complexities of the healthcare system and find the perfect insurance solution for your needs.

Everyone Needs Health Insurance

At Health Insurance Consulting, we understand that everyone needs health insurance coverage to protect themselves and their loved ones.

That’s why we’re committed to helping individuals and families across South Dakota find the right insurance policies to meet their unique needs and budget.

Types of Health Insurance Plans in South Dakota

  1. Health Maintenance Organization (HMO):
    • HMO plans typically require choosing a primary care physician (PCP) from a network of healthcare providers.
    • Referrals from your PCP are usually necessary to see specialists.
    • Out-of-network coverage is generally not provided, except in emergencies.

  2. Preferred Provider Organization (PPO):
    • PPO plans offer more flexibility in choosing healthcare providers.
    • You can see both in-network and out-of-network providers without a referral, although out-of-network care usually costs more.
    • PPO plans typically have higher premiums but offer greater freedom of choice.

  3. Exclusive Provider Organization (EPO):
    • EPO plans are similar to HMOs in requiring you to use a network of providers.
    • However, they don’t usually require referrals to see specialists.
    • Out-of-network coverage is generally not provided, except in emergencies.

  4. Point of Service (POS):
    • POS plans to combine elements of HMO and PPO plans.
    • You choose a primary care physician from a network and need specialist referrals.
    • However, you may also have the option to see out-of-network providers at a higher cost.

  5. High-Deductible Health Plan (HDHP):
    • HDHPs have higher deductibles and lower premiums compared to traditional plans.
    • They are often paired with Health Savings Accounts (HSAs), which allow you to save pre-tax money for qualified medical expenses.
    • HDHPs can be a good option for those who are generally healthy and want to save on premiums while still having coverage for catastrophic events.

  6. Catastrophic Health Insurance:
    • Catastrophic plans are designed to cover major medical expenses, such as hospitalizations and surgeries.
    • They typically have low premiums but high deductibles. They are available primarily to individuals under 30 or those who qualify for a hardship exemption.

  7. Medicare Advantage Plans:
    • Private insurers offer Medicare Advantage plans, also known as Medicare Part C, as an alternative to traditional Medicare.
    • These plans often include additional benefits, such as prescription drug coverage and dental or vision care.
    • Medicare Advantage plans vary in coverage and costs, so comparing options is essential.

  8. Medicaid:
    • Medicaid provides health coverage to eligible low-income individuals and families.
    • Eligibility requirements and covered services vary by state, but Medicaid generally covers a broad range of healthcare services, including doctor visits, hospitalizations, and preventive care.

Why Choose Health Insurance Consulting?

  1. Personalized Service: When you partner with Health Insurance Consulting, you’ll receive personalized service tailored to your circumstances. Thomas Andrews, your personal consultant, will work closely with you to understand your needs and preferences, ensuring you receive the individualized attention you deserve.

  2. Extensive Expertise: With years of experience in the insurance industry, Thomas Andrews has the knowledge and expertise to navigate the thousands of healthcare options available. Whether you’re looking for health, term, or a combination of both, Thomas will leverage his expertise to find the perfect policy for you.

  3. Needs Analysis: Our process begins with a quick needs analysis to assess your current situation and future goals. By understanding your specific needs and financial constraints, we can recommend insurance solutions that provide the coverage you need at a price you can afford.

  4. Free Cost Comparison: We understand the importance of making informed decisions about your healthcare coverage. That’s why we offer a free cost comparison between your current plan and what you qualify for, ensuring you get the best possible value for your money.

  5. Specialization: We specialize in serving clients under the age of 65 who are small business owners, 1099 recipients, traveling nurses, and truckers. Whether you’re self-employed, a freelancer, or a contract worker, we have the expertise to find the right insurance solution.

South Dakota Health Insurance Consulting

As a leading provider of health insurance consulting in South Dakota, we are dedicated to helping individuals and families across the state find affordable and comprehensive coverage.

Whether you need individual or family health insurance, or Medicare options, we’re here to help you find the perfect policy to protect yourself and your loved ones.

Choose Health Insurance Consulting Today

Don’t wait until it’s too late to secure the health insurance coverage you need. Contact Health Insurance Consulting today to schedule a consultation with Thomas Andrews and take the first step toward protecting yourself and your family with the right insurance policy.

With our personalized service and expert guidance, you can rest assured that you’ll find the perfect insurance solution to meet your needs and budget.

PremierAdvantage

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PremierChoice

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SecureAdvantage

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HealthAccess Plus

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MedGuard

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Accident Protector

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IncomeProtector

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LifeProtector

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SecureDental

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PremierVision

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We’ll help you find the best health insurance plan for your family

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PremierAdvantage -
Fixed Indemnity PPO

The PremierAdvantage Fixed Indemnity Plans provide first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred. Plus, you can buy more coverage if you need it, through PremierMed without additional underwriting!

The PremierAdvantage Difference

No Calendar Year Deductibles to Satisfy! You receive “first dollar” benefit payments under each of the PremierAdvantage Fixed Indemnity Plans without first having to satisfy any calendar year deductible, which is different from ACA essential health benefit plans and many other plans that require the Insured to first satisfy a calendar year deductible for network providers, and a separate calendar year deductible for non-network providers, before applicable medical expenses are eligible for payment.

You may choose Any Doctor and Any Hospital! The PremierAdvantage Fixed Indemnity Plans pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network. But you can stretch your dollars further by choosing an In-Network Provider.

The PremierAdvantage Fixed Indemnity Plans with the Optional Well-GIST Rider1 are not ACA essential health benefits plans.1 However, while these are in full force and effect, You have the right to purchase additional coverage under Our PremierMed Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage". 2

Automatically Locks in Your rates for 24 months at no extra charge! 3

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24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.

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Each plan pays in addition to any coverage You have in force.

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Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.

1 PremierAdvantage Fixed Indemnity Plans Optional Wellness and Health Screening Fixed Indemnity Benefits & Guaranteed Insurability under Option Short Term Medical-Surgical Plan Rider (available for an additional premium).

2 The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The PremierAdvantage Fixed Indemnity Plan provides benefits for covered medical services but are neither traditional major medical plans nor Workers Compensation plans under state law. The PremierAdvantage Fixed Indemnity Plan is considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA.

3 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.

PremierAdvantage is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, waiting periods, and exclusions may apply.

PremierChoice - Disease, Sickness and Accident PPO Plans

The PremierChoice Specified Disease/Sickness and Accident PPO Plans provide first dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pay the expenses charged for covered services after the PPO discount, up-to each benefit maximum. Plus, you can buy more coverage if you need it, including PremierMed, the catastrophic safety net, without additional underwriting!

The PremierChoice Difference

No Calendar Year Deductibles to Satisfy! You receive “first dollar” benefit payments under each of the PremierAdvantage Fixed Indemnity Plans without first having to satisfy any calendar year deductible, which is different from ACA essential health benefit plans and many other plans that require the Insured to first satisfy a calendar year deductible for network providers, and a separate calendar year deductible for non-network providers, before applicable medical expenses are eligible for payment.

First Dollar coverage, up to the applicable benefit amount, available under both the Specified Disease/Sickness & the Accident Plans for Outpatient Doctor Office Visits! Special “rollover” feature in each plan; if You don’t use Your benefits, You don’t lose them.

Buy more coverage, if You need it, without additional underwriting! Ask Your Agent about the Optional Single Step-Up Rider, the Optional Double Step-Up Rider and the Optional Medical Inflation Protection & Guaranteed Insurability Rider.

Neither the PremierChoice Specified Disease/Sickness Plan with the Optional Medical Inflation Protection & Guaranteed Insurability Rider nor the PremierChoice Accident Plan with the Optional Medical Inflation Protection Rider are ACA essential health benefits plans. However, while these are in full force and effect, You have the right to purchase additional coverage under Our PremierMed Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage". 1

Automatically Locks in Your rates for 15 months at no extra charge! 2

Screenshot_48

24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.

Screenshot_49

Each plan pays in addition to any coverage You have in force.

Screenshot_49

Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.

1 The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The PremierChoice Specified Disease/Sickness Plans, PremierChoice Accident Plans and PremierChoice Health & Wellness Plans provide benefits for covered medical services but are neither traditional major medical plans nor Workers Compensation plans under state law. The PremierChoice Specified Disease/Sickness Plans, PremierChoice Accident Plans and PremierChoice Health & Wellness Plans are considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA.

2 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.

PremierChoice is not available in all states. Please contact a licensed agent for more information. Limitations, waiting periods, and exclusions may apply.

SecureAdvantage - Flexible Deductible Disease, Sickness and Accident PPO Plans

The SecureAdvantage Specified Disease/Sickness and Accident PPO Plans ensure you secure the right level of protection for you and your family to prepare for life’s unpredictable moments. These plans use your selected network and provide flexible options that allow you to choose the most appropriate deductible and coinsurance combination that meets your needs and budget for sickness and accident coverage. You can also enhance your coverage by adding doctor office visits, x-ray, laboratory and prescription drug coverage.

You may also be interested in coverage for wellness and health screenings. The SecureAdvantage Health & Wellness PPO Plans provide first dollar fixed indemnity benefit payments for wellness and health screening services without having to satisfy a calendar year deductible.

The SecureAdvantage Difference

Flexible Deductible Choices - Choose the most appropriate deductible to meet Your needs and Your budget.

With the SecureAdvantage Specified Disease/Sickness Plan, the SecureAdvantage Accident Plan, and the SecureAdvantage Health & Wellness Plans You select a PPO network that is available for Your state.

Each Plan pays in addition to any coverage You have in force.

Your initial rate is guaranteed for 12 months at no extra charge!1

24-Hour coverage, on or off the job.

Portable coverage You can take with You even if You move or change jobs.

The SecureAdvantage Health & Wellness PLUS Plans provide first dollar coverage for Outpatient Doctor's Office Visits. And with the Special Doctor Office Visit “rollover” feature, if You don’t use Your Doctor Office Visit benefits, You don’t lose them!

Increasing Lifetime Maximum for both Specified Disease/Sickness & Accident coverage. Get rewarded for Your good health with Our Increasing Lifetime Maximum for Specified Disease/Sickness and Accident coverage.

The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan, and SecureAdvantage Health & Wellness Plans are not essential health benefit plans under the Affordable Care Act (“ACA”). Instead, they will supplement an essential health benefit plan.2

1The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; different Participating Provider network; Participating Provider network availability, negotiated discounts, or its relationship to the Company; group policy coverage, benefits, limitations, exclusions or premium change; or future requirements of any federal or state law.

2The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan and SecureAdvantage Health & Wellness Plans provide benefits for covered medical services but are neither traditional major medical plans nor Workers compensation plans under state law. The SecureAdvantage Specified Disease/Sickness Plan, SecureAdvantage Accident Plan and SecureAdvantage Health & Wellness Plans are considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA.

SecureAdvantage is not available in all states. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

HealthAccess Plus- Portable PPO Coverage Plans

The HealthAccess Plus Fixed Indemnity Plan is offered without medical underwriting and provides first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pays the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network.

The HealthAccess Plus Difference

The HealthAccess Plus Fixed Indemnity Plan is available without medical underwriting.

You May Choose Any Doctor and Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.

No Calendar Year Deductibles to Satisfy!

The HealthAccess Plus Fixed Indemnity plan pays in addition to any coverage You have in force.

Your initial rate is guaranteed for 12 months at no extra charge!1

24-hour coverage, on or off the job.

Portable coverage You can take with You even if You move or change jobs.

The HealthAccess Plus Fixed Indemnity Plan is not essential health benefit plan under the Affordable Care Act (“ACA”). Instead, they will supplement an essential health benefit plan under which You must first satisfy a deductible every year before You are eligible to receive benefit payments.2

1 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage if applicable, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.

2 The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter. The HealthAccess Plus Fixed Indemnity Plan provides benefits for covered medical services but is neither traditional major medical plans nor Workers’ Compensation plan under state law.  The HealthAccess Plus Fixed Indemnity is considered an “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA.

HealthAccess Plus is not available in all states. Please contact a licensed agent for more information. Limitation, Waiting Periods, and Exclusions apply.

MedGuard - Critical Illness Coverage Plans

The MedGuard Plan provides lump sum benefit payments to the insured to help offset any out of pocket healthcare expenses or other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death. This unique and valuable MedGuard coverage is achieved by combining the Plan’s 5-year renewable term life benefit payable to the named beneficiary with a stated percentage of the Plan’s life benefit paid in lump sum to the insured for covered critical illnesses, injuries and surgeries. The life benefit is reduced by the amount of lump sum benefits paid.

Quality coverage for periods of critical illness.

Although nobody likes to think about it, the possibility of being diagnosed with a critical illness is real. Every day thousands of Americans suffer a life threatening illness such as cancer, heart attack, or stroke.

You or a family member may one day be diagnosed with a critical illness; however, You have a greater chance of surviving that illness now more than ever. Advances in healthcare have increased survival rates tremendously; but recovery times may be extensive. The bills — both medical and non-medical — can be considerable. Are You and Your family prepared to shoulder that kind of expense?

MedGuard critical illness insurance can help fill the gap between health insurance and life insurance. Health insurance provides benefits for medical treatment but doesn’t include benefits for nonmedical expenses. Life insurance pays benefits, but after death. What if You survive a critical illness? Where will You find the financial resources to cover non-medical costs during recovery?

If You are diagnosed with a covered condition or undergo a covered critical surgery, MedGuard will pay a portion of the Death Benefit to You in a lump-sum cash payment upon diagnosis.1

CRITICAL ILLNESS CONDITION/SURGERY

BENEFIT

Life Threatening Cancer

100% of the Death Benefit

Heart Attack

100% of the Death Benefit

Stroke

100% of the Death Benefit

Kidney Failure

100% of the Death Benefit

Major Organ Transplant

100% of the Death Benefit

Permanent Paralysis

100% of the Death Benefit

Terminal Illness

100% of the Death Benefit

Aorta Graft Surgery

25% of the Death Benefit

Heart Valve Surgery

25% of the Death Benefit

Coronary Angioplasty

10% of the Death Benefit

COVID-19 Infection Complications Resulting in Inpatient Hospital Confinement

10% of the Death Benefit

Death Benefit – Primary Insured/Spouse

Based on selected monthly premium

Death Benefit – Dependent Child

Limited up to $15,000 and will not exceed 50% of Primary Insured’s coverage or exceed Spouse’s coverage

1st through 90th day Death Benefit Amount for any Life Threatening Cancer

$500

1st through 30th day Death Benefit Amount other than Life Threatening Cancer

$500

Should You Buy MedGuard?

If You have financial obligations, such as a mortgage, or if you have savings you don’t want to spend on recovery, MedGuard critical illness insurance may be for You. If You are a parent responsible for providing for Your children, You should consider MedGuard. If You become ill and require a long recovery time with a loss of income, MedGuard can provide you with a monetary alternative. The benefit amount You receive can help You focus on fully recovering and not on worrying where You will find the money to pay your bills.

You can use the cash for any purpose You deem necessary such as helping to:

  • Protect Your assets from being spent on recovery
  • Replace lost income for You & Your care‑providing spouse
  • Pay Your mortgage or other obligations
  • Offset out-of-pocket or medical expenses not covered by health insurance
  • Pay for experimental treatment
  • Pay COBRA or other insurance premiums
  • Pay home healthcare expenses
  • Pay tuition expenses if You need to return to school
  • Reduce Your debt
  • Maintain Your Family’s lifestyle
  • Pay Your taxes
  • Pay travel and temporary housing expenses for You and Your Family while receiving care away from home
  • Renovate Your home or relocate
  • Pay for childcare
  • Finance or protect Your children’s college tuition
  • Maintain Your business during recovery

1 The Death Benefit for the Primary Insured and the Spouse of the Primary Insured will be reduced by 50% on the respective 65th birthday of the Primary Insured and the Spouse of the Primary Insured. Benefits are reduced by the amount of the Critical Illness Benefit previously paid.

MedGuard is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The MedGuard Plan is a 5-year, renewable term life insurance plan with the plan’s stated death benefit paid to the insured’s designated beneficiary. The MedGuard plan also contains an accelerated critical illness benefit, which provides the accelerated lump sum payment to the insured, while living, the stated percentage of the death benefit, if the insured is diagnosed with a covered critical illness or covered critical injury or undergoes a covered critical surgical procedure. Life insurance plans are not considered “health insurance” under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

Accident Protector - Excess Medical Expense Coverage

Accident Protector is an excess medical expense coverage insurance plan, designed to help fill the gap of out-of-pocket expenses you may incur as a result of accidental bodily injury. The plan pays up to the selected excess medical expense amount after the applicable deductible is met.

Extra Coverage for Life’s Unpredictable Mishaps

Accident Protector provides extra coverage to help cover out-of-pocket expenses related to an accident.

Utilize Accident Protector to provide You with a financial advantage:

  • Provides lump sum payouts if Your Injury is due to an accident and results in a loss.
  • Excess Medical Insurance that helps cover the cost of deductibles, co-pays, and other expenses not covered by insurance.

When it Comes to Accidents…You Can’t Be Too Careful.

Accident Protector provides extra coverage to help fill in the gap between Your Accident Plan’s Calendar Year Deductible, Access Fees, and out-of-pocket Coinsurance expenses!

EXCESS MEDICAL EXPENSE COVERAGE:

Medically Necessary Treatment by a Physician

Hospital Room & Board

Medically Necessary Treatment by a Nurse

Ambulance

Diagnostic Tests & X-Rays

Outpatient Surgery

Oxygen

Blood & Blood Plasma

Rental of Durable Medical Equipment for a Covered Accident or Injury

Casts, Splints & Crutches

Prescription Drugs & Compounded Prescription Drugs

Over-the-Counter Drugs

Medically Necessary Treatment by a Dentist

Dental Work to Sound Natural Teeth

Accidental Death and Dismemberment1

Unintentional Injuries continue to be the fifth leading cause of death in America. With Accident Protector, if an Insured’s Injury results in a loss, We will pay You up to 100% of the AD&D maximum2 based on this schedule:

Covered Losses

AD&D Maximums2

Loss of Life

100%

Loss of Limbs (two or more)

100%

Loss of Speech & Loss of Hearing (both ears)

100%

Loss of Sight (both eyes)

100%

Loss of Limb (one)

50%

Loss of Speech

50%

Loss of Hearing (both ears)

50%

Loss of Sight (one eye)

50%

Loss of Hand (one)

50%

Loss of Foot (one)

50%

Loss of Hearing (one ear)

25%

Loss of Thumb & Index Finger (same hand)

25%

Utilize Accident Protector to provide You with a financial advantage:

Provides lump sum payouts if Your Injury is due to an accident and results in a loss.

Helps cover the cost of deductibles, co-pays, and other expenses not covered by insurance.

Emergency Air Ambulance

Many accidents require emergency transportation to a Hospital or other facility. You can rest easy knowing we’ve got You covered regardless of the Excess Medical Expense Coverage selected.

Up to $4,000 per Accident per Insured

Your coverage includes the amount of Emergency Air Ambulance expense up to the maximum of $4,000 per Accident per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an Emergency within 90 days from the date of Injury sustained in an Accident.

We give You the option to select coverage that fits Your budget and needs. Choose Your coverage amount from the list below:

COVERAGE SELECTIONS & DEDUCTIBLE

☐ $2,500 per Insured with $100 deductible

☐ $5,000 per Insured with $250 deductible

☐ $7,500 per Insured with $250 deductible

☐ $10,000 per Insured with $500 deductible

☐ $12,500 per Insured with $500 deductible

☐ $15,000 per insured with $500 deductible

Extra Coverage for Life’s Unpredictable Mishaps

1 Benefits reduce by 50% on the 65th birthday of the Primary Insured and the spouse of the Primary Insured.

2 AD&D Maximum equal to Excess Medical Expense Coverage Maximum Benefit selected.

Accident Protector is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The Accident Protector Plan provides excess medical expense benefits for covered medical services in the treatment of covered accidental bodily injuries but is neither a traditional major medical plan nor a Workers Compensation plan under state law. The Accident Protector Plan is considered an “excepted benefit plan” under the ACA and is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

IncomeProtector - Short Term Accident Disability Coverage

Short Term Accident Disability Insurance can help you pay your bills if you become disabled due to a covered accident. If you become totally disabled due to a covered accident, IncomeProtector can pay you monthly benefits for up to 12 months.

How Long Could You Survive Financially Without a Paycheck?

Whether you have a family or are a team of one, the bills don’t stop just because You are sidelined with an accidental injury. When accidents happen, IncomeProtector can help by providing monthly benefits to assist You with bill payments and general expenses. Don’t let the unexpected stop You in your tracks. We hope an accident never happens, but if it does, it’s better to be prepared. IncomeProtector can be an important part of Your overall game plan of protection.

  • 49% of workers would have difficulty supporting themselves within one month of becoming disabled. 1
  • In the U.S., a disabling injury occurs every second. 2
IncomeProtector

IncomeProtector is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The IncomeProtector Plan provides disability income benefits for disability resulting from covered accidental bodily injuries and is neither a traditional major medical plan nor a Workers Compensation plan under state law. The IncomeProtector Plan is considered an “excepted benefit plan” under the ACA and is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

1 The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009

2 National Safety Council®, Injury Facts® 2010 Ed.

LifeProtector - Life Coverage Plan

LifeProtector is a 10 year term life insurance plan that provides peace of mind for your family through valuable life insurance benefits in the event something unforeseen were to happen.

Provide Peace of Mind for Your Loved Ones

With LifeProtector, a 10 year renewable term life insurance plan, You can help provide the financial security Your family needs and deserves. LifeProtector is a great option to add to Your portfolio of protection.

Pure and Simple

  • Provides protection to help with obligations like mortgage, car payment, childcare or educational expenses and other obligations.

Peace of Mind

  • Provides protection in the event of unforeseen death.

Not Taxable to Beneficiaries

  • Provides valuable term life insurance benefits that in most instances are free from income tax for the beneficiary.

Economical

  • With premium payment options from $10 to $50, all in $5 increments, it’s easy to find an economical solution to Your life insurance needs.

The LifeProtector plan is renewable until the insured reaches age 70.

LifeProtector is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The LifeProtector Plan is a 10-year, renewable term life insurance plan with the plan’s stated death benefit paid to the insured’s designated beneficiary. The LifeProtector Plan does not contain any rider for the acceleration of the payment of the death benefit to the insured, while living. Life insurance plans are not considered “health insurance” under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

SecureDental - Dental Coverage PPO Plans

The SecureDental PPO plans can help your family maintain a healthy smile. The plans utilize your selected network and pay the expenses charged for covered services after the PPO discount up to the stated maximum, subject to the required deductible. Plus, preventive dental care from a participating dentist is not subject to a deductible.

Everyone Deserves A Healthy Smile!

SecureDental Offers 3 Plans:  
  • Premium Plan – Subject to deductibles of $50 for an Individual and $150 for a Family1, 2, the SecureDental Premium Plan covers Preventive Care3, Basic Care4, and Major Care5. Orthodontic Care5 is only available on the SecureDental Premium Plan and is subject to an Additional Orthodontic Deductible of $1501, 6. The SecureDental Premium Plan has a Calendar Year Maximum of $1,500 per Insured; an Orthodontic Calendar Year Maximum of $400 per Insured; and a Lifetime Maximum Orthodontic Benefit of $1,000 per Insured.

  • Saver Plus Plan – Subject to deductibles of $50 for an Individual and $150 for a Family1, 2, the SecureDental Saver Plus Plan covers Preventive Care3, Basic Care4, and Major Care5 with Orthodontic Care Services discounted at Participating Dentists7. The SecureDental Saver Plus Plan has a Calendar Year Maximum of $1,000 per Insured.

  • Saver Plan – Subject to deductibles of $50 for an Individual and $150 for a Family1, 2, the SecureDental Saver Plan covers Preventive Care3 and Basic Care4 with Major Care and Orthodontic Care Services discounted at Participating Dentists7. The SecureDental Saver Plan has a Calendar Year Maximum of $500 per Insured.

1 Family limit of 3 per Person Deductibles

2 Separate $50 Deductible for Non-Participating Dentist per Insured

3 Not subject to Calendar Year Deductible when received from a Participating Dentist

4 Subject to 6 month benefit waiting period

5 Subject to a 12 month benefit waiting period

6 Separate $150 Deductible for Non-Participating Orthodontic Dental Care per Insured

7 These services are not covered under the Policy/Certificate but are subject to a discount of up to 20% if you see a Participating Dentist

SecureDental is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The SecureDental Plans provide benefits for covered dental services only. The SecureDental Plans are considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014-2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

PremierVision

The PremierVision plan is easy to use and can help save you money with both insurance benefits and negotiated discounts provided by the Spectera Eyecare Networks.  PremierVision provides benefits for the annual comprehensive eye exam, corrective standard lenses and frames, or corrective contact lenses in lieu of lenses and frames.

Why Choose PremierVision?

PremierVision uses the extensive Spectera Eyecare Networks of over 100,000 access points for care. Choose from independent or retail Providers to find the Provider that best fits Your needs and schedule. The PremierVision Plan is designed to be easy to use, while helping You save money.

Benefits

In-Network Benefits

Out-of-Network Benefits

Comprehensive Eye Exam1

$0 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $35

Frames2

$10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120

100% Up to an Allowance of $60

Corrective Standard Lenses2

Single Vision Lenses

$10 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $35

Lined Bifocal Lenses

$10 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $55

Lined Trifocal Lenses

$10 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $90

Standard Progressive Lenses

$10 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $90

Premium Progressive Lenses

$10 Copay per Insured; 100% Coinsurance

100% Up to an Allowance of $90

Corrective Contact Lenses3

Conventional

$10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120

100% Up to an Allowance of $100

Disposable

$10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120

100% Up to an Allowance of $100

1Limited to one (1) Comprehensive Eye Examination every twelve (12) months from the last date of service, per Insured.

2In lieu of Corrective Contact Lenses, limited to one (1) purchase every twelve (12) months from the last date of service, per Insured. In no event will Benefits be payable for both glasses and corrective contact lenses.

3In lieu of Corrective Standard Lenses and Frames, limited to one (1) purchase every twelve (12) months from the last date of service, per Insured. In no event will Benefits be payable for both glasses and corrective contact lenses.

How Much You Can Save!

Here are a couple of examples of what You might pay for a pair of glasses with PremierVision vs. what You would pay without PremierVision.
Let’s say You get an eye exam and choose a frame that costs $163 with single vision lenses. The difference is clear . . .

EXAMPLE 1 - ADULT'S GLASSES

PREMIERVISION

NO COVERAGE

Comprehensive Eye Exam

$0.00

$100.00

Standard progressive lenses

$0.00

$230.00

Lens copay

$10.00

Standard scratch guard coating*

$0.00

$28.00

Frame

($120.00)

$100.00

-$120 allowance

$0.00

-30% discount off $43 balance*

(12.90)

Frame copay

$10.00

YOU PAY →

$50.10

$521.00

EXAMPLE 2 - CHILD'S GLASSES

PREMIERVISION

NO COVERAGE

Comprehensive Eye Exam

$0.00

$100.00

Single vision plastic lenses

$0.00

$70.00

Lens copay

$10.00

Child Polycarbonate lenses

$0.00

$125.00

Standard scratch guard coating*

($120.00)

$28.00

Frame

$159.00

$159.00

-$120 allowance

($120.00)

-30% discount off $39 balance*

(11.70)

Frame copay

$10.00

YOU PAY →

$47.30

$482.00

1 Non-insurance benefit provided through the Spectera Eyecare Networks.
2 Savings based on example above and using a Provider in the Spectera Eyecare Networks.

PremierVision is not available in all states. Benefit amounts and availability may vary by state.  Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The PremierVision Plan provides benefits for covered vision services only. The PremierVision Plan is considered an “excepted benefit plan” under the ACA and is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014 – 2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.