Get Your Ohio Critical Illness Plan Quotes Today!
EVERY Medicare plan has critical illness gaps – get them covered now!
Benefits of Us Comparing Your
Critical Illness Insurance Plan Options
Independent
We are an independent agency and often compare over 10+ Critical Illness insurance companies to get you the lowest rate for the coverage you want.
Optional Riders
Learn the different optional upgrades (usually for an additional price) your plan has available that gives you more benefits, which are called insurance riders.
Indemnity Plans
Don’t worry about having to submit claims to get reimbursed, we only recommend insurance companies who offer indemnity or lump sum plans.
Plug Medicare
ALL Prescription Drug plans and Advantage plans (not DSNP's) have gaps that could cost you tens of thousands of dollars in the event of a critical illness.
Affordable Options
Coverage amounts start at $5,000 and go up to $100,000 – giving you the option to design a plan that both fits your budget and provides you with coverage.
Multiple Illnesses
Get a policy that covers you for multiple critical illnesses like stroke, heart attack and cancer, or get a policy that covers you just for one at a discount.
Easy Process
After getting your details, plan reviews and recommendations take less than a half an hour, enrollment takes just 20 minutes over the phone.
No Sales Pressure
We don’t pressure people into plans – we simply compare their options for them, let them know what they qualify for and let them make the decision.
Our Six Step Process for Comparing Long Term Care Insurance Plans
1. Get Details
After determining plan benefits you want quotes on, we’ll gather up some health and prescription drug information to see what plans are available in your area.
2. Shop companies
We compare 10+ Critical Illness insurance companies in order to find you the most competitive benefits for your specific health history background.
3. Review Options
After generating quote options in your area we’ll take 20 minutes going over our critical illness plan recommendation that will stay within your personal budget.
4. Submit application
Taking an application is easy and effortless as we collect a few details over the phone to fill out the application that we then email to you to electronically sign and submit.
5. Secure coverage
The application process takes 1-2 weeks, which we then find out if your application was accepted or declined with member ID cards being mailed out within two weeks.
6. Periodic reviews
At least one out of three seniors will be using their policy, it’s then we will help you apply for your benefits and keep in touch to answer any questions you may have.
Bail out your retirement savings from a critical illness event!
Three Types of Critical Illness Insurance Coverage
Cancer Insurance
By far the most popular critical illness insurance is cancer insurance. Cancer insurance covers the expensive drugs, travel expenses, diet modifications, experimental treatment and more.
Cancer insurance is even more important for seniors on a Medicare Supplement because they are more exposed to elevated drug costs because of treatment.
Heart Attack Insurance
The second most popular critical illness insurance is heart attack insurance. Heart attack insurance covers time off of work, expensive drugs, and plan costs.
Heart attack insurance is more important to seniors who are on a Medicare Advantage plan, who are exposed to their max out-of-pocket costs (MOOP).
Stroke Insurance
The third most popular critical illness insurance is stroke insurance. Stroke insurance covers home modifications, home health care, expensive drugs and Medicare plan costs.
Stroke insurance also is more important for a senior on a Medicare Advantage plan for the same reasons mentioned in heart attack insurance.
Four Tips To Keep In Mind
When Getting a Critical Illness Plan
Underwriting Matters
Not all critical illness companies underwrite their policies the same. Some companies may only look back for cancer for 5 years, some don’t want to see any previous diagnosis. That’s why it’s important to use an independent insurance broker to help you compare all your options from various insurance companies, to get the lowest price for the amount of coverage you want.
Return of Premium (ROP)
One of the greatest benefit riders (an additional benefit upgrade for a price) you can add to your policy is the Return of Premium option, which gives you all your premiums back minus any claims that were paid out. This option is great for those that want coverage to supplement the shortcomings of their Medicare plan but hate the idea of throwing away money on insurance they won’t use.
Benefit Replenishment
Another rider that is available on certain critical illness insurance plans is the Replenishment of Benefits rider. This rider recover the benefits paid out after the last treatment for a claim, which can take several to sometimes over five years depending on the company. This is a great rider in case your cancer ever comes back from remission, or you have another heart attack.
Indemnity vs Reimbursement
Depending on the plan, it will be an indemnity plan which gives you a lump sum benefit once you receive your diagnosis, or it will be a reimbursable plan that you have to file claims with bills to get reimbursed by the insurance company. The ONLY plan we recommend getting is an indemnity plan – the last thing to worry about if you have a critical illness is filing all the different claims.