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Put Some Heart Into Your Health Benefits

Put Some Heart Into Your Health Benefits

Posted Feb 14, 2017 by Jenifer Dorsey

How Critical Illness Can Plans Can Help After a Cardiovascular-Related Medical Event

Cancer, major organ failure, paralysis; it’s difficult for anyone to imagine being diagnosed with one of these serious conditions—conditions for which many critical illness plans include benefits.


How critical illness plans work


Heart conditions, however, can hit closer to home. Consider this:

Critical illness plans sold through healthedeals.com include lump-sum benefits for cardiovascular conditions and procedures including:

♥ Heart attack

♥ Coronary bypass

♥ Angioplasty

♥ Stroke

You can use these lump-sum payments for medical bills, experimental treatments, childcare, transportation, living expenses and more—you get to decide.


How much does a critical illness plan cost?

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Between American Heart Month and Valentine’s Day, February is all about heart. It’s a good time to remember that critical illness plans can help them pay for out-of-pocket medical bills should one of the above cardiovascular incidents occur, possibly helping you and those they love have more time to focus on getting well.


Why buy critical illness coverage


1Heron, Melonie and Robert N. Anderson. Centers for Disease Control and Prevention. “Changes in the Leading Cause of Death: Recent Patterns in Heart Disease and Cancer Mortality.” NCHS Data Brief No. 254, August 2016. https://www.cdc.gov/nchs/products/databriefs/db254.htm

2The Heart Foundation. “Heart Disease: Scope and Impact.” Accessed February 6, 2017. http://www.theheartfoundation.org/heart-disease-facts/heart-disease-statistics/

3U.S. Centers for Disease Control and Prevention. Million Hearts. “Costs & Consequences.” Accessed February 6, 2017. https://millionhearts.hhs.gov/learn-prevent/cost-consequences.html

4Isidore, Chris. “Your Heart Attack Bill: $3,300 in Arkansas, $92,000 in California.” NBC Money. May 13, 2013. http://money.cnn.com/2013/05/08/news/economy/hospital-bills/

This document is for general informational purposes only. While we have attempted to provide current and accurate information, this information is provided "as is" and we makes no representations or warranties regarding its accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. External users should seek professional advice from their own attorneys and tax and benefit plan advisers with respect to their individual circumstances and needs.     

(This is not qualifying health coverage “Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don’t have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. This product includes a pre-existing condition exclusion provision.

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980.  The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss).  All products are placed with highly rated carriers.

IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.