Supplemental Insurance Products

A core part of JRS Healthcare Solution’s strategy today is to help clients design a more comprehensive and effective package of healthcare benefits by pairing their high deductible health plan with supplemental insurance products to reduce financial exposure and increase peace of mind.Ancillary insurance products can help bridge the widening financial gap by paying for out-of-pocket medical expenses including deductibles and coinsurance. Benefits are paid directly to the client to use however needed – for medical or nonmedical costs.

Often, clients find they can pay for some or all of the supplemental coverage with the premium savings from going with a higher deductible health plan. Total costs can be the same or lower than before, but at the same time increasing coverage

Critical Illness/Cancer Heart and Stroke Insurance Plans

Almost everyone knows someone, whether it is a family member, friend or neighbor whose life has been affected by Cancer, a heart Attack or Stroke. It is a hardship on the quality of life for the family.

The statistics listed below are reason for concern.

According to the American Association for Critical Illness Insurance ( statistically shows annually:
• 1 out of every 2 men will be diagnosed with Cancer. 1 out of every 3 females will be diagnosed.
• Every 40 seconds someone in the USA has a stroke; 25% of strokes occur in people under the age of 65
• Every 34 seconds, an American will suffer a heart attack
• 1.5 million Americans will declare bankruptcy this year, 60% are due to medical bills

Critical Illness insurance plans provide financial protection and security. Upon first diagnosis, you would receive a lump sum cash benefit which help ease the financial pressure resulting

You can use your benefits any way you wish
• Non- medical expenses resting from our conditions
• Your mortgage, auto loans and credit card payments
• Supplement your income and your spouse’s lost wages while he or she cares for you
• Deductibles, copays, prescriptions, experimental treatments and out of network expenses.

Critical Illness plans should be part of every family’s comprehensive healthcare strategy. Receiving a lump sum cash check in the mail is better than receiving a “Get Well” card.

Accident Medical Expense Plans

Accidents can happen when you least expect them and can send you into worry, uncertainty, inconvenience and creates expenses not planned for.

Medical treatment following an accident can get expensive — Accident Plans are here to help

After paying a small deductible of $250/incident an Accident Medical Plan will cover your out of pocket medical expenses up to the benefit amount you choose after you pay a small deductible of $250.

Hospital Indemnity Plans

If you needed to stay in a hospital, would your finances be affected?

The cost of medical care, especially a hospital stay, can add up quickly. A hospital indemnity plan can fill the gaps in your health coverage, by providing cash to pay for your deductible coinsurance and non-covered expenses from a hospital stay. Benefit payments are yours to use however you like.

Income Protection = Financial Security

If you were unable to work due to an accident or sickness, what is your backup plan to pay your bills?
• How could you make your house payments and car payments?
• How would you maintain your current lifestyle?
• How would you pay your out of pocket medical payments?

Disability Income insurance comes is a tax-free benefit to help you pay your bills while you recover plus, there would be less financial stress on you and your family.

If you are interested in learning more about adding supplemental plans to protect yourself financially from unexpected medical events, call 1-800-979-0266 for help