Unforeseen events like accidents or critical illness can throw your life into a tailspin and devastate your family savings.
While your health insurance can cover some medical expenses, it doesn’t always protect you from out-of-pocket costs like deductibles, coinsurance, and lost income. With out-of-pocket costs rising, did you know 41% of Americans struggle with medical debt?
That’s why there’s FlexBenefits supplemental insurance – a safety net for you and your family.
A Financial Safety Net
FlexBenefits accident insurance offers cash benefits directly to you after an accidental injury, helping with medical expenses not covered by your primary insurance, deductibles, lost wages, and other costs arising from the accident. Enroll with no health questions asked.
A Helping Hand During Times of Need
FlexBenefits critical illness insurance offers lump sum cash benefits upon diagnosis of a covered illness such as cancer, stroke, or heart attack. You get to focus on healing instead of worrying about deductibles, treatment costs not covered by your primary insurance, lost income and other out-of-pocket costs.
Did you know in the U.S. that …
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Supplemental Insurance Tailored to You
Mix and match extra protections that include accident disability income insurance, daily hospital benefits, surgical care, wellness visits and diagnostic testing, and/or sickness visits in a doctor’s office, Urgent Care or emergency room.
For workers, the average health insurance deductible amount they have to pay themselves has increased 10% over the last five years and 53% over the last 10 years.1
For people with Afford Care Act (ACA) plans, the out-of-pocket threshold for 2024 is $9,450 for individuals and $18,900 for families.2
Examples of initial cost for cancer treatment3
$59,900 – Average per patient per year cost for stroke4
In the United States, someone has a heart attack every 40 seconds.5
When considering accident and critical illness insurance, carefully evaluate your individual needs and circumstances. Factors to consider include: Consulting with a licensed insurance professional can provide valuable guidance in selecting the right plan to meet your unique needs.
Even with Original Medicare or Medicare Advantage coverage, your out-of-pocket expenses can compound during a critical illness.
Cash paid on FlexBenefits policies can cover costs like lost wages and rent to keep your business and family finances secure.
Have a high-deductible health plan? Without substantial savings to pay thousands before insurance kicks in, you’re vulnerable to debt.
Consider your overall health and family medical history. Are you at increased risk of cancer, heart disease, or other conditions?
Buy Accident and Critical Illness Insurance
Is supplemental health insurance right for you?
Retired
Self-Employed
High Deductible
Family History
Speak to a licensed insurance broker.
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