INDIVIDUAL DENTAL COVERAGE WE NOW
HAVE AN INSURER WHO OFFERS INDIVIDUAL DENTAL COVERAGE
(NON GROUP BASIS/INDIVIDUAL APPLICATIONS). THE COVERAGE
IS AVAILABLE ON AN APPLICANT ONLY BASIS, APPLICANT PLUS
ONE DEPENDENT, APPLICANT PLUS 2 OR MORE DEPENDENTS. THE
COVERAGE IS UNDERWRITTEN THROUGH AMERITUS LIFE
INSURANCE COMPANY.
SUPPLEMENTAL HEALTH OPTIONS POLICY
(S.H.O.P.) THIS POLICY SUPPLEMENTS A MAJOR
MEDICAL POLICY. THE COVERAGE IS ON AN INDEMNITY BASIS
AND HENCE PAYS REGARDLESS OF OTHER COVERAGE.
THE INSURANCE NEED ADDRESSED IS: THE NEW HIGH
DEDUCTIBLE PLANS AND NEW HIGH CO-INSURANCE PERCENTAGE
PLANS NOW OFFERED BY EMPLOYERS TO THEIR EMPLOYEES
LEAVES EMPLOYEES WITH AN EVER GREATER FINANCIAL
RESPONSIBILITY. WITH THE HIGHER DEDUCTIBLES (SOME AS
HIGH AS $5,000) AND HIGHER CO-INSURANCE PERCENTAGES
(FOR EXAMPLE 30% EMPLOYEE RESPONSIBILITY) THE INSURED
IS LEFT SELF INSURING GREATER AND GREATER AMOUNTS (OUT-
OF-POCKET AMOUNTS ARE INCREASING).THE S.H.O.P. PRODUCT
STEPS IN AND PAYS ADDITIONAL SUMS IN REGARDS TO MEDICAL
TREATMENT THAT CAN HELP OFFSET THE LARGER OUT-OF-POCKET
PAYMENTS FACED BY THE INSURED. CALL US FOR COMPLETE
DETAILS. THE POLICY IS UNDERWRITTEN BY AMERICAN
HERITAGE LIFE. | 
