Our Products
Short Term Medical Insurance
- Coverage as soon as the day after you apply
- Flexibility to choose your own Physician and hospital
- One common family Deductible per Policy Period
- Coverage for newly unexpected Sickness, Injury or Accidents
SMART Term Health Insurance Plan
Short Term Health helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
- Ideal if you are between jobs waiting for new employer benefits, a seasonal employee, or a new graduate searching for employment with benefits
- Deductibles from $250 – $10,000 to customize the perfect plan for you
- $50 doctor office visit copay
- $50 copay for one basic routine annual exam (not sure if this is one point we want to advertise, but it is on the selling sheet we use)*Benefits vary by state. Refer to your coverage document for specific terms and conditions.
- Coverage as soon as the day after you apply
- Flexibility to choose your own Physician and hospital
- Coverage for newly unexpected Sickness, Injury or Accidents
SMART Term Health Lite Insurance Plan
Short Term Health helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
- Ideal if you are between jobs waiting for new employer benefits, a seasonal employee, or a new graduate searching for employment with benefits
- A nationwide network, giving you the freedom to choose your own doctors
- Deductibles from $250 – $10,000 to customize the perfect plan for you
- $30 doctor office visit copay limited to 3 visits per policy period
- $50 copay for one basic routine annual exam
Supplemental Insurance Plans
Core Health Insurance: Limited Indemnity Medical Plan
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan. Plans include benefits for:
- Doctor Office Visit benefits (adult and child)
- Wellness Visit benefits (adult and child)
- Hospital and ICU benefits
- Emergency benefits
- Surgery and anesthesia benefits
- Accident medical expenses and more
- Single or Family coverage
- Freedom to choose any provider (Doctor, Hospital)
GAP Assurance Plan
According to the center for disease control, 31 million people are unintentionally injured every year in the US. Most people are concerned about what would happen to themselves and their families if an accident ever happened, but they are unprepared for the financial burden when it occurs.
- Access to benefits to help provide peace of mind throughout a covered accident, critical illness and recovery
- Benefits can be used to pay for emergency treatment, treatment-related transportation, and lodging
- GAP Assurance provides cash benefit to offset your out-of-pocket costs for eligible expenses
- Covers up to the benefit max for accidents and serious illnesses that can help pay a medical plan’s high deductibles, coinsurance, copays, & other out-of-pocket costs
- Payments go right to you. Use the money for whatever you need, like mortgage payments, credit card payments, car payments, day care, or business costs
Dental Insurance
The Core Dental Insurance Plan can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards®, and more.
With benefits for over 300 services and procedures…
- Preventive Dental Benefits: Routine exams, bitewings, cleanings, fluoride treatments, sealants, and more.
- Basic Dental Benefits: Full mouth X-rays, amalgam restoration (silver fillings), simple extractions and more.
- Major Dental Benefits (on Silver, Gold, Platinum Plans): Onlays, maxillary partial denture – resin base, denture repair, surgical removal of teeth, deep sedation/general anesthesia, endodontics – root canal, periodontal scaling and root planning, crown and crown repairs, pontics – porcelain fused to noble metal, and more.
- Orthodontia Benefits (on Silver, Gold, Platinum Plans): A benefit available to dependent children of the plan.
Vision Insurance
EyeMed Individual Vision Insurance
EyeMed is the leader when it comes to vision insurance. Find out what great benefits await!
- EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.
- Benefits for your annual eye exam, frames, lenses or contact lenses
- Discounts available for additional complete pairs of prescription glasses
- 5% discount for annual payments (in most States)
Accident Protection
Comprehensive Accident Medical
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of health care resulting from injury or accidents. To qualify, there are no medical questions or exams. Coverage is guaranteed issue for eligible members as long as you
and/or your spouse are under the age of 65.
A simple accident can cost thousands of dollars. CAM can provide coverage for: People with high deductibles or out-of-pocket costs, in-between jobs or looking for work, an alternative to plans for which you do not qualify for, or students enrolled at a University looking for coverage.
SMART Accident Plus
More than 62% of all personal bankruptcies are caused by the cost of overwhelming medical expenses. Missing work due to an accident can put your family at serious financial risk. The SMART Accident Plus plan allows you to select the coverage you need.
- Excellent supplement to high-deductible Qualified Health Plans
- Flexible, affordable coverage: you choose from three benefit amounts
- Additional voluntary plans for coverage in case of accident, cancer, or death with even more benefit options
You and your family have unique needs working within your budget. That is why we offer this affordable coverage in such a flexible manner. Due to changes in medical insurance legislation, many employers and individuals are choosing medical insurance plans with higher deductibles and co-payments. With this type of plan, there are major trade-offs. The price you pay for a lower premium is shouldering more of your out-of-pocket health care costs. With a SMART Accident Plus plan, you can lower your out-of-pocket medical expenses in the event of a covered accident or critical illness. Peace of mind is invaluable, and a SMART Accident Plus plan is an affordable way to protect your family. Getting contracted to sell this product is fast and easy, simply contact us for more information.
Life Insurance
Simple Term Life
Simple Term Life Insurance offers a guaranteed rate for a five year term period, meaning your rates won’t go up until after the term is over. In the event of your death, a tax free payout is provided to help cover expenses like the following:
• Paying off debt and final expenses
• Funeral and death costs
• College tuition for children
• Paying off your mortgage or rent
• Paying for groceries and family living expenses
• Temporary replacement of income
Its fast and simple to understand, just choose your coverage amount and enroll. As long as you pay the premium, you’re covered for the duration of the policy. You may renew your policy every 5 years up to age 80. For many people, term life insurance is a simple, affordable way to safeguard the financial health of loved ones if something happens. Some benefits include:
• Next Day Coverage
• No Medical Questions
• No Bloodwork
• No Urine Testing
• No Long Enrollment Process
• No Waiting for Coverage
• No Massive Premiums
Insurance geeks offers products and plan types that are great for the following industries.
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