Insurance Discounts

Aetna Voluntary Fixed Benefits Plan

 

Have you ever skipped a doctor’s visit because you didn’t have insurance?  Or let an illness go untreated?  Or bought over-the-counter medicine instead of getting a prescription?

If any of these sound familiar, and if most of your medical expenses are for minor illnesses or injuries, the Aetna Voluntary Fixed Benefits Plan may be right for you.  The Voluntary Fixed Benefits Plan pays  fixed cash payments for a wide range of covered services—such as doctors visits, outpatient procedures, prescriptions and more.  These payments can be made directly to you or your health care provider, your choice.  These include:

Inpatient benefits—Pays a fixed-dollar benefit per admission, plus a fixed-dollar benefit for each day you spend in the hospital up to a set number of days per year.  There are also fixed-dollar benefits for physician services, surgery and anesthesia while you are in the hospital.

Outpatient benefits—Pays a fixed-dollar benefit for office visits, X-ray and lab services, outpatient anesthesia and surgery, emergency room and ambulance services, up to a set number of services per year

Wellness benefits—Pays a fixed-dollar benefit for preventive services like an annual physical, gynecological exam, or well-baby or well-child visit, up to a set number of services per year.

Accident benefits—Pays a fixed-dollar benefit for injuries from an off-the-job accident

Prescription drug benefit—Pays a fixed-dollar benefit for prescription drugs, up to a set number of monthly prescriptions per year.

There are also additional Voluntary Plans available to   help you prepare for the unexpected

Dental Plan

Protect your smile.  Dental coverage can help you pay for checkups, cleanings and common procedures.  After you pay the $50 deductible, the plan pays up to 500 per year for certain procedures and services for each covered person

Short Term Disability Plan

You’ll receive a weekly benefit of up to $125 per week or 50% of your salary (whichever is less) if you become disabled.  The benefits is paid for up to 6 months while you are disabled and begins after 14 days (or immediate if you are hospitalized.

Term Life Plan

Provides coverage at a low group rate.  The policy pays an additional amount if your death is the result of an accident.  You can choose to cover just yourself and your spouse, or your entire family.  You pay for your coverage through payroll deduction.

 

The Hartford

There are also additional Voluntary Plans available to   help you prepare for the unexpected

Dental Plan

Protect your smile.  Dental coverage can help you pay for checkups, cleanings and common procedures.  After you pay the $50 deductible, the plan pays up to 500 per year for certain procedures and services for each covered person

Short Term Disability Plan

You’ll receive a weekly benefit of up to $125 per week or 50% of your salary (whichever is less) if you become disabled.  The benefits is paid for up to 6 months while you are disabled and begins after 14 days (or immediate if you are hospitalized.

Term Life Plan

Provides coverage at a low group rate.  The policy pays an additional amount if your death is the result of an accident.  You can choose to cover just yourself and your spouse, or your entire family.  You pay for your coverage through payroll deduction.

In this challenging economic environment, are you prepared for these outcomes?

 58 % of men and 79% of women over the age of 65 will need some type of chronic illness care during their lifetime.

 38% of men and 50% of women are expected to live to age 90

 17% of men and 29% of women will be widowed for 10 years or more following the death of their spouse.

 With Hartford Bicentennial UL Freedom, with the Hartford, Access Suite of Benefits, your life insurance policy can provide you with income, if you live too long or pay your loved ones a benefit if you die too soon or provide a benefit if you become chronically ill.

You have worked hard and sacrificed to give your family the quality of life that they now enjoy.  You are considering the purchase of a life insurance policy to protect your loved ones from the financial impact of your premature death.

Planning for one possible outcome does not provide you and your family with protection against other life events.

Even people who believe they had planned accord found themselves having to adjust their lifestyle when faced with an unexpected life event.  Does your current strategy provide any protection for these possible outcomes?