Health

Coverage Summary
Members of the American Independent Business Coalition have the option of applying for coverage under the following
association group insurance plans issued to the association by Freedom Life Insurance Company of America, a USHEALTH
Group® company.

Your total estimated monthly cost for the association membership and all of the plans listed below is $761.10

SecureAdvantage
The SecureAdvantage Specified Disease/Sickness and Accident PPO Plans ensure you secure the right level of protection for you
and your family to prepare for life’s unpredictable moments. These plans use the nationwide UnitedHealthcare Choice Plus
Network and provide flexible options that allow you to choose the most appropriate deductible and coinsurance combination
that meets your needs and budget for sickness and accident coverage.
Coverage Selected:
Primary Insured
Spouse
Coinsurance: PPO 70%/30%
Specified Disease/Sickness Deductible: $5,000.00
Accident Deductible: $5,000.00
Calendar Year Maximum: Unlimited with an Unlimited Lifetime | Organ Trans Max Per Insured
For more detailed information - click below:
Popular Plan Features SecureAdvantage Brochure

SecureAdvantage Health & Wellness PLUS

The SecureAdvantage Health & Wellness PLUS PPO Plans provide first dollar fixed indemnity benefit payments for wellness
and health screening services, plus doctor office visits, x-rays, laboratory services, and prescription drugs, without
having to first satisfy a calendar year deductible. These plans utilize the nationwide UnitedHealthcare Choice Plus
Network.
Coverage Selected:
Primary Insured: Plan 3
Spouse: Plan 3
For more detailed information - click below:
Popular Plan Features SecureAdvantage Health & Wellness Plus Brochure

The above description is intended only as a general information and only provides a brief overview of some of the standard benefits of the
product(s) shown above. Please click the links for more details on each plan including any limitations or exclusions.
These plans are exempt from the requirements of the Affordable Care Act (“ACA”), do not qualify as ”minimum essential coverage” under the
ACA, and they do not provide coverage for all ten (10) ”essential health benefits” under the ACA. Benefits under these plans may be subject
to a Pre-existing Condition limitation, among other limitations and exclusions.
CO VSU M-2021 TX
 MedGuard - Lump Sum Benefit Critical Illness Insurance
The MedGuard Plan provides lump sum benefit payments to the insured to help offset any out of pocket healthcare expenses or
other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health
incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death. This
unique and valuable MedGuard coverage is achieved by combining the Plan’s 5-year renewable term life benefit payable to the
named beneficiary with a stated percentage of the Plan’s life benefit paid in lump sum to the insured for covered critical illnesses,
injuries and surgeries. The life benefit is reduced by the amount of lump sum benefits paid.
Primary's Benefit: $40,403.00
Spouse's Benefit: $36,217.00
For more detailed information - click below:
Popular Plan Features MedGuard Brochure

SecureDental
The SecureDental PPO plans can help your family maintain a healthy smile. The plans utilize your selected network and pay the
expenses charged for covered services after the PPO discount up to the stated maximum, subject to the required deductible.
Plus, preventive dental care from a participating dentist is not subject to a deductible.
Network: Dental Benefit Providers - National Options PPO 30

Coverage Selected:
Primary Insured: Saver Plus
Spouse: Saver Plus
For more detailed information - click below:
Popular Plan Features SecureDental Brochure

PremierVision
The PremierVision plan is easy to use and can help save you money with both insurance benefits and negotiated discounts
provided by the Spectera Eyecare Network. PremierVision provides benefits for the annual comprehensive eye exam, corrective
standard lenses and frames, or corrective contact lenses in lieu of lenses and frames.
Coverage Selected:
Primary Insured
Spouse
For more detailed information - click below:
Popular Plan Features PremierVision Brochure

LifeProtector - Term Life Insurance

LifeProtector is a 10 year term life insurance plan that provides peace of mind for your family through valuable life insurance
benefits in the event something unforeseen were to happen.
Primary Insured's Benefit: $85,096.00
Spouse's Benefit: $91,800.00
For more detailed information - click below:
Popular Plan Features LifeProtector Brochure

The above description is intended only as a general information and only provides a brief overview of some of the standard benefits of the
product(s) shown above. Please click the links for more details on each plan including any limitations or exclusions.
These plans are exempt from the requirements of the Affordable Care Act (“ACA”), do not qualify as ”minimum essential coverage” under the
ACA, and they do not provide coverage for all ten (10) ”essential health benefits” under the ACA. Benefits under these plans may be subject
to a Pre-existing Condition limitation, among other limitations and exclusions.
CO VSU M-2021 TX
 IncomeProtector - Short Term Accidental Bodily Injury Disability Income
Short Term Accident Disability Insurance can help you pay your bills if you become disabled due to a covered accident. If you
become totally disabled due to a covered accident, IncomeProtector can pay you monthly benefits for up to 12 months.
Primary's Benefit Level: $1,500.00
Benefit Payment Period: 12 Months
Elimination Period: 30 Days
For more detailed information - click below:
Popular Plan Features IncomeProtector Brochure

Association Membership - Additional Health Protection and More

Members of the American Independent Business Coalition automatically receive many privileges, discounts and benefits, all at no
additional cost, including some of the more popular ones listed below:
Unlimited non-emergency telemedicine consultations through the physicians group, including prescriptions sent to the
Member’s pharmacy. Online dermatology and behavioral health consultations are also available to Members at reduced
rates.
Hospital Confinement Room & Board Daily Benefits underwritten by National Foundation Life Insurance Company, also
a USHEALTH Group® company (“NFL”).
Accidental Bodily Injury Excess Medical Expense Benefits, also underwritten by NFL.
Accidental Death & Dismemberment Benefits, also underwritten by NFL.
Membership Level Selected: Executive Diamond
For more detailed information - click below:
Popular Plan Features Executive Diamond Brochure

Your total estimated monthly cost for the association membership and all of the plans listed above is $761.10

Costa Brown
(903) 920-5799
COSTA.BROWN@USHAdvisors.com
www.ushagent.com/CostaBrown

The above description is intended only as a general information and only provides a brief overview of some of the standard benefits of the
product(s) shown above. Please click the links for more details on each plan including any limitations or exclusions.
These plans are exempt from the requirements of the Affordable Care Act (“ACA”), do not qualify as ”minimum essential coverage” under the
ACA, and they do not provide coverage for all ten (10) ”essential health benefits” under the ACA. Benefits under these plans may be subject
to a Pre-existing Condition limitation, among other limitations and exclusions.
CO VSU M-2021 TX