You are an expert in your field and have created your own company to consult others. You have freedoms outside of the corporate world but are also fully responsible for your family’s financial well-being.
Life is an unpredictable journey. Unforeseen events like accidents or a critical illness diagnosis can disrupt well-being and financial stability. While health insurance can cover some medical expenses, it doesn’t always provide adequate financial protection against out-of-pocket costs like deductibles, coinsurance, and missed time off work. That’s when accident and critical illness insurance, plus medical visit coverage, can help.
Accident insurance reimburses your out-of-pocket expenses in the event of an accidental injury, offering financial assistance to cover medical expenses, lost wages, and other unforeseen costs arising from the accident.
Critical illness insurance offers a lump sum payment upon the diagnosis of a covered critical illness, such as cancer, stroke, or heart attack. This financial cushion can help alleviate the financial strain associated with treatment costs, lost income, and lifestyle changes brought on by the illness.
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.
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Why FlexBenefits?
By Brian Dow, President When asked why we created FlexBenefits, the answer is clear: to address the growing burden of out-of-pocket expenses faced by many individuals in various health plans. This issue is not limited to the individual ACA market but extends to the Medicare Advantage market and the small group markets. Deductibles continue to […]
15 Aug, 2024
FlexBenefits on BenefitsPRO: Protect Workers From Medical Debt
In a new article for BenefitsPRO, FlexBenefits founder Jeff Smedsrud draws attention to the crushing out-of-pocket costs faced by many people and discusses the need to protect people from medical debt. Smedsrud, a longtime benefits player, makes the case for supplemental insurance as a needed solution to help consumers safeguard their health and family finances. […]
25 Jul, 2024
The Financial Burden of a Critical Illness Diagnosis
Critical illnesses like cancer, heart attack or stroke are a huge burden not just emotionally and physically but also financially. The cost of initial care, prescription drugs, and follow-up treatment can run in the hundreds of thousands of dollars. No matter your health insurance coverage, this burdens patients and caregivers. What’s in this article How […]
24 Apr, 2024