With the deductibles on health insurance plans rising, American Health Plans recommends deductible protection for our clients in order to make sure they are properly insured. We teach our customers how to save money in monthly premiums while still having the peace of mind that they will be covered in case any accidents or diagnoses of critical illnesses happen. With better spending of their monthly premiums, our saavy health insurance shoppers walk away being able to save money and get better benefits.

Critical Illness Policies

Did you know that 62% of bankruptcies are due to illness and 78% of those filers had health insurance? What that means is that many of these people who filed for bankruptcy could not afford to pay their deductibles to get to a point where the health insurance would cover the rest of their bills.

Critical illnesses can happen suddenly and not only makes things difficult physically but also financially as well. The nice thing about having Critical Illness coverage is that it pays a tax-free lump sum payment directly to you according to the level of your choosing should you be diagnosed with a critical illness.

The cash benefits can be used for whatever you would like such as:

  • Co-pays and co-insurance
  • Rent
  • Car payments
  • Child care
  • Everyday living expenses
  • And more

Conditions that are usually classified as critical illnesses include but are not limited to:

  • Cancer
  • Heart attack
  • Stroke
  • Advanced Alzheimer’s
  • ALS, coma (illness induced)
  • Major organ transplant
  • End-stage renal failure
  • And more

If you or your family rely heavily upon your earnings, then a critical illness policy would make a lot of sense. Even if you don’t have a family that is dependent on you, with the deductibles on health insurance plans rising, critical illness policies can give you valuable protection against the most common causes of paying high deductibles and give you peace of mind about your financial situation so you can focus all your attention on getting healthy again.

Critical Illness facts:

  • In the US a heart attack occurs every 34 seconds.
  • Medical bill contribute to 62% of all bankruptcies even though three-quarters of the families had medical insurance.
  • Stroke is the leading cause of serious long term disability in the US.
  • Every year more than 795,000 people in the US have a stroke.

Accident Policies

Did you know that 1 in 8 persons seek medical attention from an injury each year? Accidents happen and an accident insurance plan can assist you financially when they do. If you receive treatment for an accidental injury, these plans would pay you directly a lump-sum cash benefit.

The cash benefits can be used for whatever you would like such as:

  • Co-pays and co-insurance
  • Rent
  • Car payments
  • Child care
  • Everyday living expenses
  • And more

Accident insurance plans start as low as $7.50 a month and do not increase as you get older.

If you are interested in learning more about how you can benefit from a critical illness or accident insurance policy, please contact one of our licensed agents toll free at 866-487-9887.