• Major Medical Plans – These health plans provide the most comprehensive coverage
• Health Savings Account Plans – Provide a tax benefit and typically include a family deductible
• Short-Term Health Plans – Provide coverage in between jobs or for special situations
• Supplemental Plans – Help reduce or potentially eliminate your deductibles and coinsurance
• Accident Plans:  will provide coverage for any accident related incident and will cover E.R., Ambulance, Dr Office, Hospital expenses and Dental expenses if caused by an accident.  These plans can be designed to cover your major medical deductibles and out of pocket costs.
• Critical Illness Plans/Cancer Plans:  in the past, critical illness diagnosis could easily prove fatal.  Today, due to advancements in medical technology, the odds of surviving a critical illness are better than ever!  If you are diagnosed with a covered critical illness, your policy will pay you a “cash benefit” of up to 100% of the face amount of your policy…up to $100,000.  Return of Premium plans are also available.
  -The cash benefit from your policy will be paid directly to you and can be used to:
  -Cover your medical insurance deductibles, coinsurance and co-payments
  -Pay for non-covered experimental treatments and surgeries
  -Provide cash for household bills, car payments and mortgages
  -Supplement lost income and extra time off work
  -Take a recuperative vacation!
• Dental Plans
• Vision Plans

EXAMPLES:
Major Medical PPO Plan Examples:

$5000 Deductible, 80/20 Coinsurance, $2,000,000 coverage…includes *Unlimited Dr.  visits, *Emergency Room benefit, *X-Ray & Lab work coverage, *MRI/CAT/PET Scan coverage, *Wellness Exams, *Prescription Plan including a generic drug co-pay and brand name drug discount card.
30 year old male:  $93.59 monthly premium
30 year old female:  $118.95 monthly premium
35 year old 2 parent family with 2 children:  $367.58 monthly premium
(deductibles and benefits can be modified to personal needs and will accordingly adjust premiums.  Premiums are based upon healthy individuals.  Not everyone may qualify for these plans)

ACCIDENT PLANS EXAMPLES:
$5000.00 coverage per family per accident = $39.95/month
$7500.00 coverage per family per accident - $49.95/month

CRITICAL ILLNESS PLANS:  (Pay 100% of the face amount of the policy in a cash benefit for heart attacks, stroke, invasive cancers, terminal illnesses, etc.)
40 year old male:  $50,000 face amount, 20 year = $38.04/month
40 year old female:  $50,000 face amount, 20 year = $38.04/month

For a personal review, or to design a plan to meet your personal and family needs, please call or email Gold Health & Life
303-818-0321
info@goldhealthandlife.com