Managing out-of-pocket.
Managing out-of-pocket expenses can be challenging.
Contact us today and let’s explore the options to manage any out-of-pocket expenses you are likely to incur.
Matched Health Savings Program
What if we said you could receive money to use for your health expenses? We know, it sounds a little too good to be true. But actually, it's not and you need to know about it. This program provides a financial avenue to cut all your health-related expenses by up to 60%. This program is available to all, is not an insurance product and can fit into virtually any lifestyle. Contact one of our agents to learn how you can spend less money for all your health care expenses.
Supplemental Medical Programs
Saving for your insurance deductible isn’t the only way to be prepared. In many cases, insuring against the smaller “deductible risks” is a more manageable and an affordable alternative. Using a HIPPA approved and nationally established, respected company like Aflac is always the best place to start. Depending on you and your family's situation, there could be certain risks that, for various reasons, you may want extra protection for peace of mind. Examples may include a genetic disposition to certain cancers or a family with many active kids who may anticipate a couple ER trips a year. There is a plethora of reasons to look into these supplemental programs. However, you don’t need to wade through the options alone. Call or email one of our agents today to discuss if adding a supplemental plan to your health risk management strategy fits the bill.
Have Questions?
These videos provide more information on how our underwriter, Aflac, covers various health concerns.
Life can take unexpected turns and sometimes not for the better. However, Aflac can help protect you from unexpected bills with Aflac Critical Illness Insurance.
Most major medical insurance is not designed to cover all hospitalization costs, and when a hospital stay is necessary, the immediate cost of care can be more than many people are prepared for. Aflac’s Hospital insurance plans can help to cover those unforeseen costs.
When you’re injured and can’t work, you should be focused on getting better – not your bank account. See how Aflac’s Short Term Disability Insurance can help with expenses health insurance doesn't cover.
From the broken arm on the playground, to the cyclist you didn't see coming, accidents by definition are unexpected. Aflac Accident Insurance is there to help protect you from unexpected costs.
Medical Transit Program
Even the best insurance plans have holes. Some are small and trivial, but some are huge. The largest percent of those huge holes relate to the way people are medically transported. Need an ambulance? Sometimes insurance covers those services well. If the ambulance is in their network, that is. But why would we even think about that possibility if we need an ambulance? Nobody does! So then, the ambulance has already been used. What if it’s out of network? Unfortunately, the insurance company can do what it habitually does—deny your claim and leave you with the bill. Or, heaven forbid, you need a medi-flight! These bills can be thousands to even hundreds of thousands of dollars. Nobody of average means can withstand that kind of financial responsibility. That’s why we sought out a solution for our customers. Talk to an agent at AgDefense, and let us make sure the only holes you have are the small and trivial ones.
