Supplemental Plans Year Round

Case Study:

Brad, age 35, is married to Rita, age 34, and together they have a 17 year old Bronson, a college freshman living at home. During Open Enrollment, Brad and Rita searched on-line and opted for a high-deductible, zero commission major medical plan at the health care marketplace. And they were thrilled. However, the thrill lessened when they realized that, while the Doctor's Office visit, Prescription costs and Specialists' co-pays were comfortable for them, the Emergency Room and Hospital Inpatient costs could be astronomical.

How could they possibly afford to use this very affordable insurance plan?

With a son in every possible sport and Rita lifting heavy patients much of the day during her private duty nursing job, and considering his work at the construction firm, it was possible that there might be an injury some time during the year, and they just weren't prepared for it, they mused.

Would they need to go back and purchase a different plan? One with a lower deductible and monthly premium? Would they, on their tight budget, be able to afford another plan?

The couple quickly called up their EBE agent and learned some very valuable information. They most certainly could keep their zero-premium Major Medical health insurance plan. But they should also consider a Supplemental Benefits plan to cover deductibles and other out-of-pocket costs related to accident or illness. A plan that would pay them directly, and that might even leave month in their pockets once their expenses were paid.

They purchased a(n):

Accident Fixed Benefit plan - Pays set cash benefit for each injury and service. Cost : $39.80/month *

No more worrying about deductibles.

Dental PPO Plan that provides discounts during the waiting period for services

(No waiting on Preventive Services). Cost: $106.03/month*

Total Monthly Premium $145/month *

With a $0 premium Major Medical Plan, these additional benefits will help cover deductibles and medical expenses. Accident Plan benefits will come directly to the family, to use as needed, including to

cover their deductibles.

Contact EBE for information on how you can cover your household and fill any gaps that may cause financial devastation later. Email us: MyEssentialbe@gmail.com Or Phone us at: 1-855-MYPLANS.

*Stated quotes are from NHIC