As your healthcare advocate and agent, we will help you find the accident and illness insurance that covers you and your loved ones when you need it most. We love being able to help businesses and families protect their future by choosing the best plans for their coverage needs.
At Heartland Health Insurance, we realize that accidents and critical illnesses can happen suddenly and without warning.
Since there’s absolutely no way to know what will happen in the future, we are all susceptible to accidents and illness in a blink of an eye. However, we are here to help.
Since 2005, we have been helping our clients acquire accident insurance and critical illness insurance from the most reputable providers; as Anthem, United Healthcare, Aetna, Cigna, Guardian, National General and many others. We want to give you the peace of mind that you and your family are taken care of, especially if/when these types of tragedies arise.
We are able to customize policies based on your unique circumstances, or complement an existing plan you already have. We will analyze hundreds of plans catered to your specific criteria, and choose the benefits that are right for you and your loved ones.
Let us help you prepare for the worst, and be a partner in your business or family’s health.
Jacob has over 15 years of experience helping families like yours get the best accident and critical illness insurance plans available.
Accident insurance works as a supplement to your existing insurance policy, to add extra coverage in the case of an injury.
If you get injured in an accident and an insurance claim is filed and approved, then a lump sum payment is issued by the insurance company and paid to you directly...not to the doctors or hospitals. The best part is, you can use the lump sum to cover any expense you desire; such as medical bills, rent, groceries, childcare, car payment, utilities, etc.
The amount of your compensation by the plan is generally dependent on which plan you have, the type and severity of the injury, and the applicable treatment required to treat the injury.
Not having the right accident insurance in place before getting injured can cause severe financial hardships and a mountain of hospital bills for most families. Not to mention, it could add further stress by prohibiting you from going to work in the future, taking care of your loved ones, and paying your bills and/or buying groceries.
Whether you slip and fall unexpectedly, get injured while playing sports, or hurt yourself working around your home, accidents are part of our everyday life, no matter how careful we are.
Let’s face it, getting seriously injured is a major inconvenience physically, emotionally, psychologically, and most certainly financially.
As with any insurance plan, it’s important to know what is and isn’t covered by accident insurance. Since each plan is different, your benefits can vary, but generally the following injuries wouldn’t be covered:
Critical illness insurance works as a supplement to your existing insurance policy, and adds extra coverage in the case of a qualifying medical diagnosis.
Examples of critical illnesses can include heart attacks, strokes, coronary bypasses, organ transplants, many forms of cancer, and many others.
Many diseases can affect just about anyone of any age at any time, without care or consideration for that person’s health, heritage, or habits. It’s a fact of life that is one of the most humbling, as there is often no rhyme or reason to its affliction.
Not having the proper critical illness protection in place prior to a new diagnosis can be one of the hardest things to face, financially and otherwise.
Like Injury Insurance, once you get a confirmed diagnosis and an insurance claim is approved, then a lump sum payment is issued by the insurance company and paid to you directly...not to the doctors or hospitals. Similarly, you can use the lump sum to cover any expense you desire; such as medical bills, rent, groceries, childcare, car payment, utilities, etc.
We all know those in our life who have been diagnosed with a critical illness, and it can happen at any time. In addition, the financial stress can be overwhelming.
However, many critical illness plans can be structured to make periodic payments, depending on the treatment being rendered, which can help ease that financial burden.
There’s nothing more painful and tragic, than receiving the horrific news that a loved one has come down with a critical illness. Severe disease and illness can cause emotional and financial turmoil for most families.
So, how do you prepare for the worst that life has to offer? With critical illness insurance.
Each policy has a specific list of illnesses that would be covered under the plan, which ranges from about 30 - 40 different conditions. Also, each illness will be assigned a specific payout, should it be diagnosed and the claim approved.
Deciding which illnesses to include or which plan to choose can be very daunting. However, we are here to help you navigate all available plans to find one that is best for you or your family’s unique situation.
Many of our clients believe that they are fully covered by an existing policy, but the snowballing medical costs of treatment of critical illnesses is a reason to strongly consider supplemental illness coverage very seriously.
These policies are there to help offset the costs that are incurred when primary insurance benefits fall short.