Policy Information

Important Notices

It’s important to review your legal notices to stay informed about your rights, responsibilities, and any changes to your benefits or coverage. Legal notices provide critical information about compliance with federal regulations, plan updates, privacy practices, and how your benefits are administered. 

Medical Plan

Health insurance helps provide coverage for preventative care, treatment, pharmacy, and other medical services.  Health insurance protects you from paying the full cost of medical services when you’re injured, sick, or have other medical costs.  Also, in most cases, health insurance is required by law in order to avoid a fee when filing your federal tax return.

FAQ

Flexible Spending Accounts

A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside.

Dental Plan

Proper dental care is important and taking care of your oral health is an investment in your overall wellbeing. By seeing your dentist regularly, you can catch dental problems before they get too serious and require more extensive and expensive procedures.

Vision Plan

A routine eye exam is important not only for correcting vision problems, but for maintaining healthy eyes and overall health wellness. Eye care providers are trained to test for and diagnose a variety of health issues, not just eye problems. Take the time to get to know your vision plan and start experiencing healthy eyes and healthy living.

Accident Plan

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs.

Critical Illness Plan

Critical illness insurance provides a lump-sum payment if the insured is diagnosed with a serious illness covered by the policy, such as cancer, heart attack, or stroke. This payout can be used for medical expenses, treatments not covered by health insurance, or everyday living costs while recovering. It offers financial protection during challenging health crises.

Long-Term Disability Plan

Disability insurance is a crucial form of coverage that provides financial protection by replacing a portion of an individual’s income if they become unable to work due to illness or injury. It helps ensure that essential expenses such as mortgage payments, utility bills, and daily living costs can still be met during a period of disability.

Term Life Plan

Needs change over time and flexible term insurance can mirror those changes. It acts as temporary insurance to meet your temporary needs. The necessity to provide protection for a family starts out high, but generally diminishes over time as children reach maturity and savings plans accumulate.

Universal Life Plan

Universal life insurance is a flexible, permanent life insurance policy that combines a death benefit with a savings component. It offers policyholders the ability to adjust their premiums and death benefits to suit their changing financial needs and goals. Part of the premium payments goes into a cash value account, which earns interest over time and can be accessed or borrowed against by the policyholder. This policy provides lifelong protection while also serving as a financial tool for accumulating savings, making it a versatile option for long-term financial planning and security.

AirMedCare Plan

AirMedCare Network is a membership program that provides access to air medical transport services for members and their families. In the event of a medical emergency requiring rapid air transport to a hospital, members can be flown by an AirMedCare provider at no additional out-of-pocket cost, helping to alleviate the financial burden often associated with emergency air transportation. The network includes a vast array of air ambulances across the United States, ensuring that members have coverage in a wide range of locations. Membership offers peace of mind by ensuring that critical care is just a flight away, when every minute counts.