Benefits

Benefit for Cancer Lump Sum

BENEFITS

Home / Benefits / Benefit for Cancer Lump Sum

Cancer Lump Sum Benefit Rider and Limited Specified Disease Benefit Rider (CHS) Benefit, Critical Illness (CI) Benefit


Limited Specific Disease Benefit Rider*

$10,000

Heart Attack

100%

Stroke

100%

Cancer Lump Sum Benefit Rider*

$10,000

Cancer Lump Sum Benefit

100%

Benefit Eligibility Summary


Waiting Period

60 Days

Pre-Existing Conditions Period

12 Months

Benefit Eligibility for Pre-Existing Conditions

12 Months After Effective Date

This benefit will pay a lump sum benefit amount for the First Ever Diagnosis by a Physician of one of the following covered conditions: Heart Attack, Stroke and Cancer. There is a 60-day waiting period before you are eligible to receive benefits and a 12-month pre-existing conditions limitation. The Critical Illness Benefits terminate on the earlier of the member's 65th birthday or when benefits have been paid. After age 65, members may continue in their AME and AD&D benefits, but they will no longer have access to the CI benefits.

In the event of the first diagnosis of a critical illness, Guarantee Trust Life will provide a lump-sum, cash benefit to help you pay your out-of-pocket expenses up to the benefit level you choose. If your medical bill is less than your chosen benefit level, you can use the leftover funds in any way you like. This plan pays benefits for the first diagnosis of covered illnesses.

Critical Illness Riders:

  • Pays lump-sum benefit (ranging from 25% to 100%) upon the first diagnosis of a covered critical illness
  • No deductible to satisfy
  • No network restrictions
  • Amount payable of primary maximum benefit is 50% for a spouse and 25% for a child

*See Disclosures and Terms

Not available in AK, CA, CO, CT, FL, ID, IN, KS, KY, ME, MD, MI, MN, MO, MT, NH, NJ, NM, NY, RI, SD, TN, UT, VT, WA

Join now to gain access to your low cost benefits!

Read More
Benefits

Prescription Drug Discount

BENEFITS

Home / Benefits / Prescription Drug Discount

Clever RX

With healthcare costs out of control, the time for clever rx is now.

Patients and employees need your help! Until now, prescription saving was an afterthought. With high deductible health plans, high copays and the underinsured population – over 70% of Americans can save money using our prescription drug savings card. Clever RX partners with the healthcare community to bring state-of-the-art, money-saving tools to patients and employees.

Clever RX saves up to 80% off prescription drugs and often beats the average copay. You can drive down healthcare costs. Now that’s clever!

Never overpay for prescriptions again.

Join now to gain access to your low cost benefits!

Read More
Benefits

Aloe Care

BENEFITS

Home / Benefits / Aloe Care

MD Hearing Aid

Aloe Care is delivering the world's most advanced voice-activated, in-home medical alert and communication system for older adults. The service improves elders' safety, deepens engagement, and makes connection and care collaboration intuitive and easy.

The World’s Most Advanced Medical Alert System

Join now to gain access to your low cost benefits!

Read More
Benefits

MDHearingAid Discount

BENEFITS

Home / Benefits / MDHearingAid Discount

MDHearingAid

For a limited time, shop our best offer ever on FDA-registered hearing aids and save up to $600.

Four reasons to choose MDHearingAid.

  1. All of our hearing aids are registered with the FDA, ensuring you receive a high-quality device.
  2. Online ordering, free shipping, and low, monthly payment plans make shopping a breeze.
  3. Arrives at your door assembled with everything you need for a successful 45-day trial.
  4. Our team of dedicated hearing instrument specialists is available to assist you every step of the way.

Because You Deserve Medical-Grade Hearing Aids For 90% Less.

Join now to gain access to your low cost benefits!

Read More
Benefits

Point Health Smart Healthcare Platform

BENEFITS

Home / Benefits / Point Health Smart Healthcare Platform

Healthcare Navigator

When you have time to make an informed decision about where to receive medical care, our navigation service makes sure that you pick the best option for your budget and preferences.

Our patient advocacy service can help you:

  • Compare pricing for physician, hospital, or medical specialist:
  • Physician or medical specialist: Will assist Members in locating a physician, as well as make appointments, transfer records and get cost estimates for services.
  • Hospital, surgical center, or medical facility: A price, quality and availability comparison report for up to 5 area healthcare facilities including information about the initial hospital/facility the Member, or their family member, was being referred to for the surgical procedure.
  • Obtain cost comparisons for Prescription drugs, MRI’s, Lab work and Imaging Services along with providing availability and possible rates for services.
  • Help with scheduling appointments for doctors and other procedures.
  • Transferring medical records - Please note the member is responsible for any cost
    related to this request.

Bill Negotiator

Have a huge ER bill? Or maybe you were stuck with an out-of-network bill that’s more than you can afford. No matter the situation, our Point Health Patient Advocates can step in to help you negotiate your bill and guide you out of a tough situation.

  • Contact your Patient Advocate and give them your bill information.
  • The Patient Advocate works to reduce your bill through programs, discounts, payment plans, and more.
  • On average, we’ve provided out-of-pocket savings between 40-70%!

Join now to gain access to your low cost benefits!

Read More
Benefits

Prioritize Wellness

BENEFITS

Home / Benefits / Prioritize Wellness

Prioritize Wellness

Prioritize Wellness is a wellness resource that focuses on preventative care through education about nutrition, fitness, sleep, stress management and nutritional supplementation. We aim to educate members about the fundamentals of health in order to increase longevity and lower disease risk. Each member of Prioritize Wellness has access to all of our original content and heath related posts, including exclusive access to discounted meal plans and fitness plans.

Research has proven over and over again that diet and lifestyle factors play a huge role in disease development or prevention, and we are passionate about educating others on these risks. We bring our members the finest and most up to date information in the world of wellness. This is made possible through our teams combined years of experience in the field of nutrition, fitness and supplementation.

We aim to assist all of our members in their health journey and to find balance and sustainability as they work towards their own personal health goals.

We are here to empower you to live your healthiest life.

Join now to gain access to your low cost benefits!

Read More
Benefits

Telemedicine

BENEFITS

Home / Benefits / Telemedicine

MDLIVE

Now visiting the doctor is easier than ever. Avoid waiting rooms and the inconvenience of going to the doctor’s office. Visit a doctor by phone, secure video, or MDLIVE App. Pediatricians are available 24/7, and family members are also eligible.

U.S. board-certified doctors and licensed counselors with an average of 15 years of experience.
Consultations are convenient, private and secure.

Prescriptions can be sent to your nearest pharmacy, if medically necessary.

Your anytime, anywhere doctor’s office.

Join now to gain access to your low cost benefits!

Read More
Benefits

Group Accident Only Insurance Benefit

BENEFITS

Home / Benefits / Group Accident Only Insurance Benefit

Accident Medical Expense(AME) Benefit

Based on the membership you choose, the Association membership may provide members with access to supplemental Group Accident Only Insurance benefits. Having supplemental insurance can help in the event of an unexpected accident.

The Accident Medical Expense benefit pays for covered charges resulting from a Covered Accident. The first treatment or service must occur within 60 days of the Covered Accident and all and all subsequent treatments must be incurred within 12 months of the Covered Accident.

Maximum Amount per covered Accident

$10,000

Deductible per Covered Accident

$100

Initial Treatment Period

60 Days

Benefit Period

12 Months

Covered Charges

After the Deductible has been satisfied, this benefit will pay the Benefit Percent of incurred Covered Charges which are in excess of the total benefits payable for the same Injury by any Other insurance you may have.

You will receive up to the maximum amount for medical charges due to an accident for a covered injury. Covered charges include Hospital Room and Board, General Nursing Care, Doctor Fees for Surgery, Anesthesia services and more.

There is a $100 deductible per covered accident. (The Accident Medical Expense Benefit does not pay for re injury or complications of an injury caused or contributed to by a condition that existed before the Accident.)

Accident insurance benefits help you prepare for the unexpected and provide an affordable way for individuals and families to be protected from the extra expenses that can come due to an accident. Having access to benefits and resources to assist with unforeseen expenses can help ease the burden; and this is where Accident insurance benefits can help.

Key advantages include:

  • Minimize out-of-pocket health care expenses specifically related to a covered accident
  • Provide cash benefits towards medical services related to a covered accident after a $100 deductible
  • Protect finances while dealing with covered accidents (on specific memberships ONLY)
  • Provide just the right amount of benefits at an affordable price

*See Disclosures and Terms

Not available in MD, MN, MT, NH, NM, NY, UT, WA

Join now to gain access to your low cost benefits!

Read More
Benefits

Group Term Life Insurance

BENEFITS

Home / Benefits / Group Term Life Insurance

Group Term Life Insurance Benefit

Guarantee issued, group term life insurance benefits are available to any member with no medical information required. Options of $10,000 or $20,000 benefit, depending on plan.

Group Term life insurance benefits are underwritten by Guarantee Trust Life Insurance Company, an A-rated carrier, who has been doing business for more than 80 years.

Membership with Group Term Life Benefits

One of the premiere benefits of your membership in the Association is the Group Term Life Insurance. Life insurance is one of the most cost-effective ways to safeguard the dreams of future generations. While you could never be replaced, life insurance can help your family weather the financial burden resulting from a loss of income due to your death.

Group Term Life Insurance Benefit

$10,000

$20,000

Waiting Period

12 Months

12 Months

Accident Only Coverage during waiting period

$10,000

$20,000

Primary Member ages 18-69

$10,000

$20,000

Primary Member ages 70-74

$5,000 + $5,000 Accident Only

$10,000 + $10,000 Accident Only

Accident Only Coverage for Primary Member ages 75+

$10,000

$20,000

Your life insurance coverage benefits are payable after a Waiting Period of 12 months. During this Waiting Period, benefits are provided for Accidental Death only when death is due to accidental causes. After 12 months of continuous active membership, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

Spousal benefits are 50% of the Primary Member's term life insurance benefit, subject to the waiting period and attained age benefit tiers shown above. Child benefits are 25% of the Primary Member's term life insurance benefit.

Group Term life insurance offers effective protection for times when your family needs it the most. Restrictions may apply.

*See Disclosures and Terms

Not available in AK, AR, FL, ID, LA, ME, MD, MA, MI, MO, MT, NV, NH, NM, NY, NC, OK, OR, SD, TX, UT, VT, WA

Join now to gain access to your low cost benefits!

Read More