Product Info

Secure Care

Affordable, quality protection. Health Insurance for individuals and families.

A Secure Alliance

American Health Underwriters, one of the leading health insurance marketing specialists in the USA today, is proud to sponsor the SecureCare plans underwritten by Freedom Life Insurance Company of America. SecureCare plans are flexible with a wide range of deductibles, co-insurance and co-pay options designed to provide a peace of mind and fir the budget of individuals and families.

Freedom Life is a subsidiary of USHEALTH Group, Inc. which in turn is a subsidiary of Credit Suisse, a leading global financial services company with offices throughout the U.S. and around the world.

American Health Underwriters is securely aligned with Freedom Life and its affiliates to deliver the SecureCare plan that each client feels will be the best combination of affordability and protection.

A Secure Choice

The SecureCare portfolio of products was designed for You, secure in Your choice of coverage and Benefit options. The SecureCare plans provide options from comprehensive and catastrophic health insurance coverage to the new and innovative HSA-qualified plans. With this kind of flexibility, You can chose a plan where You aren’t paying for more coverage than You feel You may need.

A Secure Rate

Your premium rate will automatically be locked in for the first 12 months of coverage, however, Your premium rate can be locked in for 24 or 36 months (depending on plan) – saving You money! Say goodbye to costly annual premium increases. Choosing a SecureCare plan and locking in Your rate gives You long term coverage You can count on without worrying about rising premium costs. Premium Rate Guarantee Period does not apply to any rate change due to: change of address; Benefits; or calculations of premiums mandated by law.

Value-Added Features

SecureCare offers many value-added features to its health plans including national PPO network discounts, Rx discount card, wellness benefits, 12/24/36 month rate guarantees, dental discount program, vision exam/discount program and a foreign travel emergency benefit. Also, if You are treated by an Out-of-PPO provider as a result of an Emergency Sickness or Emergency Injury because an In-PPO provider was not reasonably available, Benefits will be considered on an In-PPO basis until You can be safely transferred to the care of a In-PPO provider.

SecureCare Plans I-VI

SecureCare plans I-VI are designed to provide insurance coverage with a choice of deductibles, coinsurance and co-pay options each with either $2 million of $5 million lifetime coverage per Insured.

Compare the plans for Yourself on the following pages with Your agent to find the best fit for You and Your family. With six different coverage plans, we’ve got You covered!

The PPO Advantage

With all our insurance plans, You have the freedom to visit the doctor You feel most comfortable with- the doctor You trust. Selecting one of our PPO Providers may allow You to pay less out of pocket. Participating Provider Organizations (PPOs) are a network of physicians, clinics and facilities that have agreed to provide medical care and services at negotiated rates.

One of the biggest assets of PPO plans is their cost containment features. Because the Provider of services has agreed to a negotiated rate this can help reduce Your out of pocket expenses. By utilizing the services of a PPO Provider it enables us to better control our costs thereby helping to keep Your premium more affordable now and in the future.

PPO Features

• PPO Providers are paid on a fee-for-service basis as their services are used.
• PPO Providers provide services at a negotiated discounted rate.
• Insureds that use a PPO Provider pay lower deductibles or copayments than if they use the Out-of-PPO Provider.
• Insureds do not need referrals to see specialists.

You’ll want to visit PPO Providers to receive the highest benefit percentage, since any expenses at Out-of-PPO Providers will be covered at a lower benefit percentage. For a listing of PPO Providers, go www.ushealthgroup.com or ask your agent.

SecureCare HSA Plans

SecureCare HSA Comprehensive and SecureCare Catastrophic, provide traditional coverage but with the added benefits of being an HAS-qualified single deductible health plan. They offer more affordable coverage and the opportunity for financial savings through a tax-favored Health Savings Acconts (HSA) enabling You to use these funds to help pay for qualified medical services. Use Your HSA funds to pay for many expenses not covered by most traditional plans such as:

• Lasik eye surgery
• Eyeglasses/contact lenses
• Dental treatment
• Chiropractic care
• Birth control pills
• Fertility enhancement

SecureCare HSA Plans provide You with up to $2 million lifetime coverage per Insured with option to increase lifetime coverage to $5 million.

What is an HSA?

An HSA is a savings account with a bank or any other approved financial institution where You deposit money and use the funds for qualified medical expenses today and in the future. The federal government allows tax advantages for the money in an HSA account. You can enroll in an HSA with our partner First HSA, Inc., an FDA-insured recognized leader in HSA’s. To be eligible for a health savings account, you must purchase a qualified health insurance plan, such as SecureCare HSA Comprehensive or SecureCare HSA Catastrophic, not be covered under any other major medical insurance plan or Medicare and be under the age of 65.

The standards for this type of health insurance plan are set by the federal government which determines which deductibles and out-of-pocket amounts are allowed. Many HSA plans allow individuals to choose a higher deductible in order to reduce their premiums. You can save on Your health insurance premium by choosing a high deductible plan. Spending Your healthcare dollars wisely means purchasing only what You need. Higher cost sharing in the form of a higher deductible means a lower cost health insurance plan. You pay for less serious medical services, like a doctor office visit, and Your plan protects You from the financial expense of a major illness or accident. You’ll also enjoy the simplicity of single family deductible. Families share everything else, why not a deductible? The SecureCare HSA Plans give families the flexibility to accumulate expenses into one, single calendar year deductible for the entire family. Once the deductible has been satisfied, everyone in the family has met their deductible. To realize all of these benefits You must have a qualified high-deductible health insurance plan, like SecureCare HSA Comprehensive or SecureCare HSA Catastrophic.

Great benefits from having a SecureCare HSA Plan are:

• You have a single deductible for the entire family.
• You have lower premiums than the traditional PPO plans with lower Calendar Year Deductibles.
• Any money deposited to the HSA account is tax deductible, grows tax deferred, and can be withdrawn tax free to pay for insurance deductibles and covered medical expenses.
• Account balances accumulate year to year and grow tax free.

Additional Value Added Benefits from the Small Business Association of America

• SBA Accidental Injury Excess Coverage

$250 Deductible then 100% up to $5,000 accidental injury- includes medical and dental, ambulance service, plus accidental death and dismemberment benefits.

• LensCrafters Club

LensCrafters Vision Club and Eyewear Discounts
At LensCrafters,one hour service is just the beginning! Your member ID card brings you and your eligible family members special rates on:

• 20% discount on all purchases at any LensCrafters.
• 10% discount on professional services including eye exams and contact lenses.

Simply present your SBA member ID card at the time of purchase and receive your discount.

• And Many Many More

MONEY SAVING benefits for members of the Small Business Association of America.

www.sbaamerica.org