Additional Insurance Options

Accident insurance pays benefits for injuries and expenses associated with a covered accident. From stitches to broken bones, concussions and dental injuries, this coverage provides you and your family with an added layer of financial support. Plus, benefits are paid directly to you and can be used however you want.

• No health questions asked
• Option to cover your spouse and children
• Annual $60 health screening benefit per covered individual
• Expansive plan covers a variety of accidents and related treatments, such as: Ambulance, x-rays, hospital and ICU admission, broken bones, burns, chiropractic care, outpatient surgery and accidental death benefit

How it works – Let’s say you carry the Wellfleet accident plan and are in a car accident, which requires a trip to the emergency room ($150), via ground ambulance ($250), where you are x-rayed ($100) and treated for a broken leg ($4,500). You would receive a total benefit of $5,000

Hospital indemnity insurance pays you directly for covered accidents or sicknesses associated with a hospitalization. This includes admission to and confinement in the hospital or Intensive Care Unit (ICU). Benefit proceeds can be used however you want—from out-of-pocket medical expenses to your mortgage payments or regular bills—it’s up to you.

• No health questions asked
• Option to cover spouse and children, including newborns
• Featured coverages include: Hospital admission and confinement, ICU admission and confinement, and newborn hospital admission and confinement

How it works – For this example, you carry the hospital indemnity enhanced plan and are admitted to the ICU ($1,000). You spend five days ($1,000) in the ICU and then three days ($600) in general hospital care, before being discharged. You would receive a $2,600 benefit.

Critical illness insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack, cancer or stroke. This coverage complements your core medical insurance by helping to cover unexpected out-of-pocket expenses and features built-in flexibility that allows you to select the coverage level that meets your family’s unique needs. Benefits are paid directly to you and can be used however you like, from medical bills to student loan payments and childcare.

• No health questions asked
• Ability to elect up to $30,000 in coverage
• Option to cover your spouse and children
• Annual $50 health screening benefit per covered individual
• Robust plan covers a range of critical illnesses, such as: heart attack, stroke, cancer, coma, paralysis, ALS, Parkinson’s, advanced dementia, cerebral palsy and infectious disease such as Covid-19

How it works – If you elect $20,000 in coverage and later receive a cancer diagnosis, you would receive a $20,000 lump-sum benefit to be used however you like. If you then had a heart attack or your cancer came back, you would receive another $20,000 benefit.

Cancer-critical illness insurance pays a lump-sum benefit following the diagnosis of cancer. It provides additional funds for radiation, immunotherapy, hospitalization, stem cell treatments, and other benefits. Benefit proceeds can be used however you want, from medical bills to groceries.

• No health questions asked
• Annual $75 health screening benefit per covered individual
• Option to cover spouse and children

How it works – If you elect $15,000 in coverage and later receive a cancer diagnosis, you would receive a $15,000 lump-sum benefit to be used however you like. If your cancer came back, you would receive another $15,000 benefit.