Dental Plans for Individuals or Family

These plans are great for those who are self-employed or want to supplement an employer's group plan that doesn't offer dental coverage. Our individual dental plans will provide the preventive coverage you need to keep your smile healthy.

Plans available vary by state. Your options for the state of Texas will include:

• A dental PPO plan - does not require a dentist selection and offers low deductibles and no copayments.

• A pre-paid dental plan - requires you to select a primary dentist (but you can easily change your selection).

• A discount dental card - is not insurance but will provide discounted services from dentists in an established network.

These dental provider networks include thousands of quality dentists that you can count on for professional, courteous care.

VisionCare Plans for Individuals or Family

These VisionCare Plans are network-based vision plans that emphasize high quality routine eye care. Services and materials are provided on a pre-paid basis, and the plans pay network doctors directly.

VCP members have access to one of the largest vision networks in the United States, with more than 22,500 participating optometrist and ophthalmologists – and everyone accepts new patients. Plus, members save on frames. Members pay the wholesale price, avoiding high retail markups.

How do the plans work?

Members simply select any in-network optometrist or ophthalmologist and make their appointments. At the time of the appointment, members pay only their co-pays and for any extra cosmetic options selected. There are no forms to complete or claims to file.

Accident Plans for Individuals or Family

An Accident Compensation Plan pays cash benefits for accidental injury directly to you, the insured policyholder. Some of the main features of this plan are:

◆ Issue ages 0-63
◆ No reduction in benefits for change of occupation
◆ Full 24 hours coverage – on or off the job
◆ Air travel included
◆ Worldwide coverage

You can choose the "Cash Benefit" payout that is most beneficial to YOU as either:

• Lump Sum - up to $10,000 per accident. The plan pays cash as specified for an accidental injury as listed in the Schedule of Benefits. If multiple injuries occur in one accident, this plan pays the highest incurred injury amount.

• Hospital Stay Benefit - up to $6,250 per hospital stay. The plan pays $250 per week (pro-rated $35.71 per day) for as long as 25 weeks while confined in the hospital due to accidental injury.

FIRST AID BENEFITS — the plan pays incurred expenses up to $40 for medical treatment in the doctor's office or at the hospital when special outpatient treatment is required due to accidental injury and no other benefit is payable.

The plan also provides an Accidental Death Benefit that pays $10,000 upon an accidental injury resulting in the death of any covered person.

Disability Plans for Individuals or Family

Cash Cancer Plans for Individuals or Family

Ensure financial peace of mind for you and your family with a cancer insurance policy that pays cash to you or your designee to help with unexpected, out-of-pocket expenses.

A cash cancer insurance plan offers several advantages:

How Cash Cancer Plan works - if someone on your policy – you or a covered member of your family – is diagnosed with a covered cancer, you’ll receive a cash payment to use however you want. The same lump-sum amount applies for all covered family members, regardless of age.

Cash Critical Illness Plans for Individuals or Family

Help protect your family with critical illness insurance, since a heart attack, stroke, cancer, or other serious illness often comes without warning. Are you financially prepared if it happens to you?

This critical illness insurance plan could help protect you, your family, and your assets from unexpected expenses.

• Help with healthcare costs - Provides funds to help offset expenses incurred for a variety of critical illnesses. Plan pays in addition to any other insurance coverage you may already have in force.

• Choice of coverage amounts - Benefit amounts generally range from $5,000 to $50,000.

• Coverage for several critical illnesses - Coverage is available for conditions including but limited to heart attacks, stroke, and most forms of cancer.

How Critical Illness Cash Plan works - If you or a member of your family is diagnosed with a covered critical illness, this critical illness insurance plan will provide you or your designee with a cash payment to use however you want. For instance, use it to help with:

• Unexpected loss of income

• Out-of-pocket medical costs and travel for medical care

• Home healthcare and rehabilitation expense

Cash Hospital Plans for Individuals or Family

Your hard-earned savings could be at risk because of an accident or illness that you have no way of predicting or preventing. A hospital cash plan is insurance that pays cash to you, or your designee, when you're sick or injured and need medical attention.

A cash hospital insurance plan offers several advantages:

• Help with healthcare costs - Even if you already have insurance, this plan pays you cash for emergency room treatment for accidental injury or sickness. It also pays benefits for hospital confinement and outpatient surgery

• Optional benefit offers additional coverage – An optional daily benefit rider is available if you want additional coverage for hospital and intensive care unit (ICU) confinement.

How Hospital Cash Plan works - provides lump-sum cash payments to use as you choose. For example, you can use the cash to help pay for things your other insurance plans may not cover like:

• Copayments and deductibles

• Transportation expenses

• Help with childcare while you recover

The lump-sum benefit for hospital confinement ranges from $250 to $2,000.