Health Insurance

Individual Health Insurance Plans - Contact one of our licensed agents for a consultation at 1-866-568-6592. There are dozens of health plans from which to choose.  One of our licensed agents will show you which comprehensive Major Medical plans are available in your area and help you shop, compare and find the right coverage for your needs without overpaying. We also have COBRA alternative plans, short-term medical and dental/vision plans for you.

Group Health Insurance Plans - Are you and your family on a group health insurance plan? If so, you could still be paying too much. We can compare individual and group plans and help you decide which option is the most suitable for you and your employees. If you are an employer, please call 1-866-568-6592 and an agent will assist you.

Your privacy is our priority. We do not sell or rent your name or other private profile information to anyone. Any information we collect from you is simply to help you shop, compare and find the most affordable insurance plan best suited to your personal needs.

Life Insurance Considerations

When you buy life insurance, you want coverage that fits your needs. Life insurance is commonly used for family planning and often used in business planning to help with the orderly disposition of a company in the untimely death of a business owner. One of our agents can review your insurance needs and give you information about available policies. Contact us at 1-866-568-6592.

First, talk with an agent to help you decide how much insurance you need - and for how long - and what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death. Life insurance can also be one of the main ways you plan for the future.

Next, learn what kinds of policies will meet your needs and pick one that best suits you.

Then, choose the combination of policy premium and benefits that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.

Examples of Life Insurance Products:

Term Life Insurance - Generally speaking, term insurance is the least expensive form of life insurance. You pick a designated period of time - usually from 1 - 30 years when a death benefit would be paid to your named beneficiary in the event of your untimely death. You pay a fixed amount of money every year to keep your policy in force. There is no cash value accumulated in term insurance. You can also purchase a type of term insurance called - "Return of Premium" term. With this product, if you are still alive at the end of your term, the insurance company will return all of your premiums paid back to you in the form of a lump sum payment.

Whole Life Insurance - With Whole Life Insurance, premiums generally are level and payable for life (up to age 100).Since premiums are level, the younger you are when you purchase a whole life policy, the less expensive the annual premiums will be. Some whole life insurance policies can earn dividends. When this happens, the insurance company may return a portion of your life insurance premium to you as dividends, which can, in turn be used to pay premiums in the later stages of the life of your policy. Dividends are not guaranteed. Some of the money you pay into your whole life policy accumulates as guaranteed cash values. If you choose to surrender the policy, these guaranteed cash values would be available to you. Or, as long as the policy is in force, you may borrow against them as a policy loan at the current policy loan interest rate. The amount of your guaranteed cash value depends on the kind of whole life policy you have, its size and how long you have had it. The growth in cash values is tax deferred under current federal income tax law.

Fixed Indexed Universal Life Insurance - A Fixed Indexed Universal Life Insurance policy represents the best of both worlds - protection from loss, combined with the opportunity for growth. The main idea behind this policy is the ability to link to market indexes and share in potential gains from market index growth. This combined with guarantees, allows you to accumulate cash value over time for life's, "what-ifs," or retirement income, and at the same time avoid downside market risk.

Highlights:

• Link your returns to S&P 500 or NASDAQ 100 indexes
• Accumulated potential in the upside of the market indexes with no downside market index risk
• Guaranteed fixed premiums to age 100+
• Potential for increase in policy value
• Ability to take loans against net cash value
• Flexible premiums and optional riders

Prescription Discounts

Any individual with limited or no prescription drug coverage can benefit from a prescription drug savings card. Instead of paying full price for medication, card members can save money whenever they purchase prescription drugs. People who already have insurance coverage may still find the card useful, as it can discount medications that are not covered by their health plan. This card is not insurance.

This card offers substantial discounts on all brand-name and generic drugs. How substantial? In brief, we save members an average of 12.5% on brand drugs and 22.7% on generic drugs. These savings increase even more on generic when members utilize our mail-order pharmacy.

• Unlimited use
• All prescription drugs discounted
• Lowest-price override
• Generic substitution when allowed by prescribing physician
• Top-quality, major-pharmacy mail order service
• 24-hour help desk
• No waiting periods
• No claim forms to file
• No medical exams, no exclusions for pre-existing conditions
• No enrollment requirements or restrictions

Critical Illness Insurance

Get the Financial Benefits You Need During a Medical Crisis!

If a serious illness strikes, you will probably live, which is great news for you and your family. However, most of us are not prepared for the financial burden of the recovery which follows. What if you could protect your financial stability with coverage in the amount of $20,000 or more for around $1 per day

• Health insurance will not cover all of your expenses.
• How will you replace lost wages if your spouse is helping to take care of you?
• Where will the money come from to pay for home, car and child expenses?
• What if you can't return to your current job?

Avoid financial disaster and protect yourself with a Critical Illness Insurance Policy. Most plans pay a lump sum benefit upon the first diagnosis of a covered illness or medical procedure. The cash benefit is paid directly to YOU to use any way you choose! The cash is yours to use any way you need to reduce the stress which is often created by a critical illness.

How does it Work?

• Simplified, short application process - no medical exam or blood work required (for certain coverage amounts)
• No waiting period!
• Pays lump sum amount (up to $100,000 or more) when a covered illness is first diagnosed:
• Invasive cancer
• Heart Attack
• Stroke
• Major organ transplant
• Paralysis
• Coma
• And much more. . .(depending on which plan you choose)

Contact us at 1-866-568-6592 for more information!

Medical/Dental Discounts

		Dental/Vision Discount Program - Includes discounts on dental and vision procedures.
		Multi-Care Discount Program - Includes discounts on dental and vision procedures plus LASIK, Prescriptions, Chiropractic, Hearing, Diabetes Management and 24 Hour Nurseline.
		Total-Care Discount Program - Includes everything in the Multi-Care program PLUS access to physician discounts through the PHCS network and access to discount on hospitals through the Three Rivers Provider Network.

Receive Quality Health Care at Affordable Rates

Dental work, eye exams and doctor visits are an important and often expensive part of taking care of your health. With the Total-Care program, you can reduce your overall health care costs by taking advantage of deep discounts on dental, vision, medical care, hospitals, prescriptions and more.

		Physician Network - PHCS Access 20%-45% savings on medical services such as routine office visits and ancillary services, including lab work and imaging centers, by accessing a participating provider. Over 750,000 provider locations nationwide Over 350,000 participating physicians
		Hospital Network - Three Rivers Provider Network Save 20%-25% on medical services at acute care hospitals and surgery centers. Over 3,900 hospitals nationwide
		Dental Care - CAREINGTON International Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns at over 54,000 participating dentists. No limits on use, everyone is accepted No waiting or administrative forms to file Cosmetic dentistry included such as bleaching, bonding, and veneers
		Vision care- EyeMed Vision Members save 15% to 45% off the retail price of eyewear, exams, eyeglasses and contact lenses from more than 40,000 providers nationwide including access to independent Optometrists, Ophthalmologists, and Opticians and leading optical retailers such as Pearle Vision®, LensCrafters®, Sears Optical® and Target Optical®. Replacement contact Lenses by mail 15% off the retail price or 5% off the promotional price of LASIK or PRK procedures
		LASIK Eye Surgery - QualSight Save 40%-55% on the overall national average cost of LASIK vision correction surgery with reduced rates from QualSight. LASIK can provide freedom for the majority of individuals who wear glasses or contact lenses. Over 400 participating board certified ophthalmologists Free consultation, pre-operative exam and post-operative appointments
		Prescription Drugs - Agelity Up to 20% discounts on brand name drugs and up to 55% discounts on generic drugs. The discount prescription card ensures that members receive the lowest prices on a majority of prescriptions at participating pharmacies. Over 53,000 pharmacy locations nationwide Pharmacy orders available via mail and Internet
		Hearing care and services- HearPO Members save 30% on hearing exams and services and 5% to 60% on all hearing aids at any HearPO provider. Large provider network of 1,600 locations through out the United States. Discounts on hearing aid repairs and batteries 60-day trial period with 100% money-back guarantee All testing completed by highly credentialed licensed professionals
		24 Hour Nurse Line - CareNet Members have unlimited access to nurses via a toll-free number 24 hours a day, 365 days a year. These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about the health and medical care they receive. Deaf and foreign language services available through TDD and a language line service Pre-recorded Health Information Library on a wide range of health and medical topics
		Chiropractic and Wellness - WholeHealth Save 10% to 30% on health services such as chiropractors, exercise specialists, dieticians, holistic health practitioners, massage therapy, yoga, meditation, nutrition, relaxation therapy and acupuncturists. Unlimited visits and no limits on access to care Toll-free number to locate network providers nearest you Save 25% on vitamins and nutritional supplements
		Diabetes management - Better Living Now From medical appliances and supplies to home medical equipment, Better Living Now can be your single source for all your vitamin and nutrition or durable medical equipment needs. Free blood glucose monitor upgrade 20% to 30% off retail price on Durable Medical Equipment 20% to 40% off retail price on Disposable Medical Supplies

Frequently Asked Questions and Answers

Q: What is this program all about?

A: This is a new service which enables you to conveniently shop, compare and apply for health and life insurance from a selection of nationally recognized insurance providers. This service is being administered for AAA by National Insurance Products, Inc., which is an Automotive Preferred Supplier for the AAA.

Q: How much does it cost?

A: You are entitled to a FREE personalized consultation through National Insurance Products.  Their licensed insurance agents will help you shop, compare and apply for the best health and life insurance plan(s) at the best prices.  The costs will depend on a number of factors, including, but not limited to, your zip code, your age and medical conditions.

Q: What types of insurance plans are available to me?

A: The following types of plans are available:

• Health Insurance – Comprehensive Major Medical group health and individual plans - includes hospitalization.
• Life Insurance – Term life, Universal Life and Whole life
• Long-Term Care Insurance
• Critical Illness Insurance
• Disability Insurance
• Discount Medical, Hospital, Rx, Dental, Vision Plans
• Fixed Index Annuities

There are dozens of major medical health insurance plans from which you may choose from nationally recognized A-rated carriers such as Blue Cross/Blue Shield, United Healthcare, Aetna, Humana, Assurant and more. Life insurance policies are available from companies like Guardian Life, Fidelity Life, Prudential Life, Genworth and more. For those who do not medically qualify or do not want a major medical policy, there are several discount programs available.

Q: Do you have a plan for prescriptions?

A: Yes, we have a FREE discount prescription card available for you and your entire household to use.  Though this is not insurance, you can expect to save an average of 15% on brand drugs and 40% on generic drugs.

Q: How do I join a plan?

A: Enrollment for all insurance plans will be handled through the assistance of a licensed agent.  There may be a few forms to complete but most of the processing is handled over the Internet.  The use of e-mail is strongly recommended to expedite the processing of applications.

Q: Is there a typical “Open Enrollment” period for the health insurance plans?

A: No, each individual, whether applying for themselves or their group, will be able to choose their own plan as they see fit for their needs.  A licensed agent will be able to provide assistance in comparing plans and helping to find the plan(s) that make the most sense for each applicant.

Q: How are “Pre-Existing” medical conditions handled?

A: Depending upon the type of desired plan(s), there may be limitations or exclusions on some of the available insurance plans.  One of the licensed agents will be able to discuss in more detail exactly what impact medical history will have in the decision-making process when evaluating insurance.  Insurance companies and state insurance laws also influence how “pre-existing” medical conditions are treated.

Q: Whom can I contact if I have questions?

A: Simply call National Insurance Products at 1-866-568-6592 for more information!