Why do I need additional insurance?

Accidental Medical Coverage Services covers medically necessary Accidental Death & Dismemberment: If a covered family member’s injury result in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, we will pay benefits as described in your certificate of coverage for loss of life. Benefits for loss of limb and sight are also shown in the schedule of benefits.

Critical illness insurance pays a lump sum benefit upon the first diagnosis of a covered illness or medical procedure.

The odds you’ll suffer a serious accident or illness are high. Are you financially prepared if you don’t beat the odds? The benefit is yours to use however you want. You could pay the mortgage for a year, settle credit card debt, choose alternative treatments or even go on vacation.

Long term care services may include help with activities of daily living (bathing, eating, dressing, toileting, continence and transferring), home health care, respite care, hospice care, adult day care, care in a nursing home, or care in an assisted living facility. It may also include care management services, which will evaluate needs and coordinate and monitor the delivery of long term care services.