Fully
Insured Critical Illness Policy
Up
to $7,500 in Critical Illness Coverage per Family Member -
combined with an Accident Policy to form the perfect complement to a
Health Savings Account
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The
average HSA policy holder will rarely meet the deductible on their
high deductible health plan during an average year. There are
two main scenarios that would cause someone to exceed their high deductible
an accident (defined as an unexpected event that results in
an injury) or a critical illness (defined as a Heart Attack, Stroke,
Cancer, Renal Failure, Coronary Artery Bypass Surgery, Major Organ
Transplant, ALS, Multiple Sclerosis, Alzheimers).
Either
of these problems could result in a trip to the emergency room that
could cost hundreds or thousands of dollars. The combination
of an accident plan with a critical illness policy is an ideal means
for ColoHealth
members to protect themselves from both of these potential costly
expenses, making this coverage the perfect complement to any high
deductible HSA-qualified health insurance plan.
Accident
Benefits:
An
accident plan will reduce your deductible for an accident to only
$100. Any benefits paid for by your accident plan will also
go towards satisfying your familys annual deductible for your
HSA plan. The critical illness option will pay either $5,000
or $10,000 directly to the covered policy holder 30 days after the
diagnosis of any qualified illness, funds which can also be used
to pay the deductible of ones high deductible, HSA-qualified
health insurance plan.
ColoHealth
teams with from Affordable HealthCare Options (AHCO) to
offer three different accident plans, each with only a $100 deductible,
and all of which can be combined with Critical Illness (additional
cost listed below) coverage:
-
$5,000
Accident coverage - The cost of this plan, individual
plan $29.95 per month, while family coverage
is $34.95 per month. Includes $10,000 in
accident death and dismemberment coverage.
-
$7,500
Accident coverage
- The cost of this plan, individual plan $34.95
per month, while family coverage is $49.95 per
month. Includes $25,000 in accident death and
dismemberment coverage.
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Critical
Illness Benefits:
Diagnosis
of Heart Attack, Stroke, Cancer, Renal Failure, Coronary Artery
Bypass Surgery, Major Organ Transplant, ALS, Multiple Sclerosis,
Alzheimers must occur after Limited Accident & Sickness
coverage has been in effect for 90 days or more. If member
is diagnosed any mentioned illnesses, the benefit will pay the amount
shown in the Schedule of Benefits for this benefit. The covered
person must be under 65 years of age and survive for a period of
thirty (30) days after diagnosis. The plan will pay this benefit
only once regardless of whether the covered person is diagnosed
with more than one of the covered illnesses.
$5,000
Critical Illness Plan
- $5,000 Critical
Illness coverage
- $10,000 additional
Accidental Death & Dismemberment coverage
- VIP Health
& Wellness Savings Program (including Diabetic)
- Free 24 hour
Nurse-On-Call
- Prescription
Savings Card
| Cost: |
Individual
add $15.00 to Accident plan price
Family add $25.00 to Accident plan price |
$7,500 Critical Illness Plan
- $7,500
Critical Illness coverage
- $25,000
additional Accidental Death & Dismemberment coverage
- VIP Health
& Wellness Savings Program (including Diabetic)
- Free 24
hour Nurse-On-Call
- Prescription
Savings Card
- Long Term
Care Savings Program
| Cost: |
Individual
add $18.00 to Accident plan price
Family add $35.00 to Accident plan price |
Get
additional details and apply online by clicking the link below

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