Accident Medical Expense Plans

Lower your out of pocket expenses with Accident Expense Plans

Affordable Accident and Critical Illness Coverage

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Why Consider a Accident Expense Plan?

With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and loss of income. NM Accident Expense and Critical Illness coverage can pay your deductible and out of pocket expenses. Many options to choose from to fit your needs.

Below are the descriptions of the Accident Expense plans we offer.
IHC Metal GAP Accident & Critical Ilness Expense Coverage

> Get a Metal GAP Quote

Metal GAP Coverage by IHC

 

With accidents, illness and hospital stays, you may deal with high deductibles, coinsurance and co-payments. Metal Gap, The IHC Group’s supplemental insurance product, helps you manage these costs.


Affordable and guarantee issue–meaning you cannot be denied for it, regardless of your health history–Metal Gap provides a lump-sum payment when a covered critical illness or an accident occurs.
The payment is sent directly to you. You can use it to cover out-of-pocket expenses, prescriptions, living expenses such as mortgage or car payments, lost wages and other costs. Choose Accident Expense limits up to $6,500 and Critical Illness limits of $7,500.

 

Metal Gap is underwritten by Madison National Life Insurance Company.

IHC Premier Benefits Accident & Critical Expense Coverage

> Get a Premier Benefits Quote

Premier Benefits Coverage

 

If you have chosen a higher deductible health insurance plan, you may want additional benefits that help fund your out-of-pocket costs in the event of a major claim. With Premier Benefits, you have access to bundled insurance benefits available which include:

 

  • Critical illness up to $10,000
  • Accident medical expense insurance up to $10,000
  • $10,000 in Term life Insurance coverage
  • Accident death and dismemberment up to $10,000
  • $1,000 in Accident disability income insurance

Affordable single and family rates starting at $24.95/month

IHC Critical Illness Insurance

> Get a Critical Illness Quote

Critical Illness Insurance by IHC

 

  • Cash when you need it
    Critical illness insurance pays you a lump sum cash benefit when a covered medical condition is diagnosed. You choose how to spend the money, whether for lost income, mortgage or child care payments.
  • Benefits for serious conditions
    Includes cancer, heart attack, stroke, major organ failure, coronary bypass, angioplasty, coma, paralysis and severe burn
  • Higher benefit levels
    Benefits options range from $20,000 to $50,000 for primary insured and spouse, with a $10,000 option for children.

 

 

Accident Medical & Critical Illness by UnitedHealthcare

> Get a Quote on the UnitedHealthcare plans

UnitedHealthcare Accident Medical Expense, Critical Illness and Disability Insurance

  • Critical Illness – Maximum Annual Benefit up to $50,000
  • Accident Medical – Accident SafeGuard / Premier. 7 Plans to choose from. Maximum Annual Benefit up to $6500
  • Supplemental Indemnity – Hospital SafeGuard Plan A, B and Premier. Pays specific dollar amounts for medical procedures and hospital stays.

Disability Income Protector

  • Underwritten by Golden Rule Insurance Company
  • Maximum monthly benefit choice from $500 to $5,000
  • Plans starting at less than $4 per month

 

Call 1-800-544-9505 with any questions

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate over a dozen insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental and travel insurance quotes, combined with insurance information and decision-making tools.

We have been online for over 20 years and a A+ rated member of the Better Business Bureau since 2001.

Licensed in 46 states, we offer a variety of health plans including: Short Term Medical insurance, Affordable Care Act Plans, dental insurance, discount dental plans, international medical insurance, Supplemental coverage and more.

The carriers we represent include: UnitedHealthcare, Golden Rule, HCC Life Insurance Company, The IHC Group, Standard Security Life Insurance Company, Madison National Life, Aetna, National General and NHIC and many more.

We only offer plans that we would recommend to our own family



Offering supplimental health insurance by The IHC Group, UnitedHealthcare, Golden Rule Insurance Copmpany, Standard Security, Madison life and Security Life Insurance Company of America

 

This provides a very brief description of some of the features of the insurance plans we offer. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in Individual Policy.

Long Term Consumer Care, Inc. BBB Business Review

 

 

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FAQ

All of the supplement plans listed on this page can be used with other coverage or stand alone.

 

The Accident Medical plans and the Critical illness plans pay you directly. Designed to lower your out of pocket expenses for any other coverage you might have.

 

These plans are a good choice if you have a high deductible plan.

The supplemental plans do not have a limited duration. You can keep your plan as long as needed or cancel at any time.

Your coverage can begin as early as the day after you apply or the first of the month following the date you apply.

Accident Medical Plans

No Out-of-Network Penalties

Accidental Medical and Critical Illness plans are considered indemnity plans - meaning they pay a specific dollar amount based on the type of illness or accident. The amount the plan pays has not bearing on what doctor or hospital you use.

About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051