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NEW PRODUCTS AVAILABLE

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.