Q: What the heck is “Supplemental Insurance” anyway?
A: First of all it’s not a Duck! Secondly, $6 billion of it was purchased last year alone. The bottom line is Supplemental Insurance is health coverage for specific conditions. For some folks it supplements their Major Medical insurance to bridge the “gaps” in coverage, and for others it is the only coverage they have in place. Supplemental Insurance was not affected by health care reform like Major Medical Insurance. It benefited many families for years prior to health care reform, and it may be more important than ever in the post health care reform era. It pays cash DIRECTLY to you for costs associated with illness, disease and injury. You can pocket the money, pay the medical provider or use the benefits as you see fit for anything, including your monthly bills. It’s yours to use however you like or need. The most common types of Supplemental Insurance are Accident, Cancer, Heart Attack & Stroke, Critical Illness and Hospitalization. It can also provide coverage for major life events through Short-Term Disability, Long-Term Care and Life Insurance. It’s all supplemental, regardless of the need.
Q: Why buy your Supplemental Insurance online versus through someone like that duck or other carriers?
A: First, we are the only major online Supplemental Insurance company. Second, our products typically pay more benefits when we compare costs to benefits, because we don’t have a sales force or other burdensome costs.
Q: What’s the difference between a “Lump Sum” policy and an “Indemnity Policy"?
A: A lump sum policy pays cash benefits for ANY cost associated with the treatment of cancer up to the benefit amount selected. An indemnity policy pays cash benefits for defined SPECIFIC costs associated with the treatment of cancer.
Q: Is it okay if I have health insurance in addition to my Supplemental coverage?
A: Yes. Our policies can cover expenses your Major Medical Insurance will not cover, and even work in conjunction with other forms of insurance such as Long-Term Care or Short-Term Disability.
Q: If I have Major Medical insurance and was paid on a claim do I still get paid for Supplemental?
A: Yes. Some call it double dipping but we call it double benefits.
Q: If my Major Medical Insurance is deducted from my paycheck how do I pay for Supplemental?
A: Credit card or bank draft on a monthly, quarterly, semi-annual or annual basis.
Q: If I have Supplemental Insurance at my place of work can I still buy policies offered through Rezilient Direct?
A: Absolutely, and we prefer it! If you don’t want to hassle with payroll deductions, group enrollment meetings or to be concerned about your benefits if you leave the company, then Rezilient Direct is for you.
Q: What if I don’t have Major Medical Insurance can I still purchase Supplemental Insurance?
A: Well, you’re at the right website. Whether you are insured, uninsured, underinsured or self-employed our products fit the bill.
Q: Can I cover my spouse and children?
A: Yes. You can cover just yourself, yourself and your spouse or the entire family.
Q: Can my policy be canceled?
A: All policies are guaranteed renewable as long as your premiums are paid. Bottom line is unless you choose to cancel, your policies remain in affect regardless of any change in your health status.
Q: Do I have to go through full underwriting like Major Medical coverage?
A: No. Although insurance companies reserve the right to obtain additional information. The Cancer and Heart Attack & Stroke policies are considered “simplified issue” which means you answer just a few questions on the application to determine coverage. The Accident Protection policy which is available in over forty states is “guaranteed issue”, so everyone qualifies.
Q: Can my premiums increase?
A: No. The carrier would have to change the rates for the entire class of policies nationwide as filed with each state. Typically, most carriers simply introduce new policies under another name with a new premium and additional benefits. You always have the right to keep your policy as long as the premiums are paid.
Q: Is there a waiting period?
A: Each policy has variations in waiting periods, which typically range from 30 to 90 days.
Q: How are claims paid?
A: Take a copy of your bill from the services you had performed along with the claim form and fax or mail them directly to American General or Heartland National. Claims are processed immediately and paid within 10-15 days.
Q: Are the Cancer and Heart Attack & Stroke policies the same as “Critical Illness Coverage”?
A: Yes. In addition to Cancer and Heart Attack & Stroke coverage you get other benefits for critical conditions. such as kidney failure, major organ transplants, severe burns, coma and paralysis.
Q: What is “Accident Insurance”?
A: Accident Insurance is coverage that helps you pay for those ridiculously expensive, yet needed emergency room or urgent care facilities.
Q: How costly is an accidental injury?
A: The average cost of a visit to the emergency room or urgent care facility is $2,300. In many cases the average cost far exceeds that, especially if it is a result of something like an unfortunate automobile accident.
Q: What does it cover?
A: Accident Insurance benefits can cover the emergency room or urgent care “cover charge”, broken teeth, broken bones, stitches, fractures and dislocations, surgery, lost limbs, hospital stays, diagnostic exams, ambulance rides (if you’re lucky in a helicopter), family lodging and even accidental death.
Q: Do I really need Accident Insurance?
A: Unexpected accidents happen, especially if you have children. When they do, it can leave you and your family vulnerable to out-of-pocket expenses that standard insurance does not cover. If you have no insurance at all, Accident Insurance gives you the peace of mind that some of the costs will be covered.
Q: What is “Cancer Insurance”?
A: Critical Care Plus is a lump sum supplemental health policy. It can be used as a “stand alone” policy if you are uninsured or used in addition to your existing health insurance to cover the inevitable “gaps” in your coverage. Although most people use the benefits to cover expensive medical procedures for the treatment of cancer, you can use it however you choose. All supplemental benefits are paid in addition to any benefits received from your other health insurance coverage, and all benefits are paid directly to you.
Q: What does it cover?
A: Any cost associated with the treatment of cancer. That means it covers the big five: chemotherapy, radiation, immunotherapy, diagnostic testing and surgery, as well as, countless other costs typically associated with treating all forms of cancer.
Q: The carrier pays me and my family to get annual wellness checks?
A: Yes. You can use it for whatever you want or consider the cash as offsetting your premiums!
Q: How do I get paid these benefits?
A: We have easy claim forms for your doctor’s office to complete and sign. This form along with the pathology report is then faxed or mailed to American General for processing. Usually, a check will arrive in your mailbox within 10-15 days.
Q: Are there any medical exams that I have to go through to get coverage?
A: No. There are just a few medical underwriting questions.
Q: What if my health insurance already covers my medical cost and treatments?
A: Health insurance will cover the cost based on your plan benefits, but we pay you, too, no matter what your health insurance covers up to your selected maximum benefit.
Q: Are there certain "in-network" providers I have to go to?
A: No. You can go to whatever doctor or health care provider you choose. There are no "in-network" or "out-of-network" worries.
Q: If I currently have cancer can I get this policy?
A: No. You must be cancer free for a period of at least ten (10) years. It’s similar to asking for auto insurance the day after the wreck. Cancer requires that we all think ahead.
Q: Does cancer insurance only cover cancer?
A: No. It also covers heart attacks, strokes, comas, kidney failure and other critical conditions.
Q: When can a claim be submitted under this plan?
A: You have up to six month to file the claim.
Q: How does a member get the forms to begin making a claim?
A: Rezilient Direct makes the forms available at our “Manage Your Policy” link. Simply download, print the form and fax or mail it to American General.
Q: What if a claim has been paid for cancer and the cancer returns in the same location, can I still submit for the benefits?
A: As long as the policy is in force, you can submit another claim and receive payments up to the maximum plan benefit selected.
Heart Attack & Stroke Coverage
Q: What is “Heart Attack & Stroke insurance”?
A: Critical Care Plus is a lump sum supplemental health policy. It can be used as a “stand alone” policy if you are uninsured or it can be used in addition to your existing health insurance to cover the inevitable “gaps” in your coverage. Although most people use the benefits to cover expensive medical treatments for heart disease and strokes, you can use it however you see fit. All supplemental policies are paid in addition to any other health insurance benefits you may receive, and all benefits are paid directly to you.
Q: What does it cover?
A: Surgical procedures, hospitalization, heart transplant, diagnostic testing, physician and surgeons, ambulance transport and much more.
Q: How does Heart Attack & Stroke insurance help you?
A: Having Heart Attack & Stroke Insurance helps you manage the high expenses of treatment and preserve your savings. Most folks drain all their savings to pay for critical illness conditions.
Q: Why it is so important?
A: You may not want the doctor treating you to know if you are underinsured or have no insurance at all when it comes to your heart! A heart attack can cost up to $1,000,000 to treat over your lifetime.
Medical Insurance often stops short of covering all these costs associated with a heart attack or stroke. Some of these additional costs will be covered with Heart Attack & Stroke Insurance.
Q: Is Heart Attack & Stroke Insurance right for me?
A: If there are cardiovascular diseases in your family's history, then yes, AND absolutely, if you don't have much money set aside for an unexpected cardiovascular illness. Unfortunately, it’s not if you will pay, but when.
Q: How does Heart Attack & Stroke Insurance help?
A: Heart Attack & Stroke Insurance pays you benefits that can be used for medical or non-medical expenses that health insurance might not cover. It can be your only line of defense if you have no health coverage at all.
How to Apply
To apply for a policy, all you need to do is go to the Rezilient Direct home page and select a product. Once you get a Quick Quote, click “Enroll Now” and it is ”as easy as 1, 2, 3”.