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Bridge the gap

Health insurance deductibles and out-of-pocket costs can take a toll on your savings should an unexpected medical event occur to you or someone in your family. Metal Gap plans are bundled insurance benefits that can cover the cost of your deductible should an accident, critical illness or hospital confinement take place, reducing the burden and stress from your wallet.

Serious illness takes more than a physical and emotional toll; it can impact your finances. Critical Illness Insurance from The IHC Group can help manage that financial burden, so you can focus on what really matters, your health. Critical Illness Insurance provides a lump sum benefit payment when a covered medical condition is diagnosed. The payment is made directly to you and can be used any way you choose—for treatment, daily household expenses or a car payment, and even to maintain a business or pay college tuition. Even the best health insurance plan will leave you responsible for your deductible and out-of-pocket. Beyond those expenses, consider how you will pay for: • Lost wages • Experimental treatment or prescription drugs • Care from specialists outside the patient’s health insurance provider network • Travel to and from medical providers Critical Illness Insurance is also referred to as specified disease insurance, supplemental insurance or limited benefit insurance. For further information about IHC’s individual Critical Illness Insurance in your state, refer to an outline of coverage.

Your major medical plan could leave you responsible for as much as $6,3501 in out-of-pocket expenses in the case of a serious accident or illness. Metal Gap offers options to complement your health plan in the event of a covered illness or accident. Accident and critical illness benefits allow you to focus on your number one priority: getting better. Metal Gap provides benefits for covered accidents up to the selected maximum amount, minus the deductible, or the actual expense you incur, whichever is less. It provides a lump sum payment that is sent directly to you and can be used for anything you choose, including: • Out-of-pocket expenses • Prescriptions • Experimental procedures • Living expenses • Lost wages Life insurance can provide financial protection for your family, should the worst happen to you. But what if a serious accident or illness leaves you unable to work and unable to pay your medical bills? Critical illnesses and serious accidents are frightening enough before they leave you with the financial fallout of reaching your deductible or the cost of medical treatments your major medical policy doesn’t cover

AmFirst Indemnity Benefits Association, Inc. Dentaflex Classic 2000 Plan Delta Dental PPO/Premier Primary Indemnity Offered By Madison Dental

Patriot AdventureSM Travel Medical Insurance Individual & family - Short-term medical coverage available from 30 days up to six months for adventure sports enthusiasts. Patriot Adventure is designed for the adventurous international traveler. It provides benefits for those traveling abroad who also intend to participate in non-contact amateur athletic activities and a select group adventure sports. There are two plans available: Patriot Adventure InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Adventure AmericaSM provides coverage for non-U.S. citizens traveling outside their home country

Patriot Travel Medical Insurance is designed to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $2,000,000. There are two plans available: Patriot InternationalSM provides coverage for U.S. citizens traveling outside the U.S., and Patriot AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.

f you have chosen a higher deductible health insurance plan, you may want additional benefits that help fund your out-of-pocket costs in the event of a major claim. With Premier Benefits, you have access to bundled insurance benefits available through membership in Communicating for America, which include: •Critical illness •Accident medical expense insurance •Term life •Accident death and dismemberment insurance •Accident disability income insurance Premier Benefits are brought to you through membership in Communicating for America, underwritten by Madison National Life Insurance Company, Inc., a member of The IHC Group.

Patriot Exchange Program is designed to meet the U.S. visa travel insurance requirements for individuals and groups of two or more students studying abroad or participating in a cultural exchange program, including J1 and J2 visa holders. Coverage may be purchased for spouses and unmarried dependent children traveling with the student/participant on individual coverage. Families are not eligible for Group coverage. Individuals and groups have the option to select from different plan options - $50,000, $100,000, $250,000, and $500,000 maximum per illness/Injury. The $50,000 maximum per Illness/Injury option does not comply with J1 and J2 visa requirements. This program also offers three different areas of coverage, and an Optional Add-On plan for high school sports, personal liability and legal assistance. In addition to the Short-Term plan, groups may purchase an annually renewable Long-Term plan option that that has the flexibility to be tailored to meet specific needs of each program.

Free choice of dentist Plan Maximum of $1,500 per person, per calendar year Benefits increase after the first and second years Orthodontic benefits for dependent children 6 month waiting period for basic procedures 12 month waiting period for major procedures $100 lifetime deductible on ortho Enrollment available regardless of age Group insurance coverage available to members of Benefits Association Inc. Group dental insurance plan is underwritten by Delta Dental Insurance Company

Outreach Group Travel Medical InsuranceSM Medical insurance for groups of five or more missionaries Provides coverage for groups of five or more who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Available only for groups traveling outside of the U.S. Highlights: Short-term travel medical coverage Coverage for groups Maximum Limits from $100,000 to $1,000,000 Deductible options from $0 to $250 Discounted rates from Outreach individual plans 

Plan Highlights Annual Examination: $15.00 Copay Materials: $25 Copay No deductibles No waiting periods No Copay for Contacts Your choice of network providers One pair of standard frames each 24 months One pair of single vision of standard lined multi-focal lenses (or) Contact lenses each 12 months Benefits provided In and Out of Network Discounts on Laser Vision Correction

Coverage types Benefits paid for the services listed below are based on the plan selected. (Limits reflected below are per covered person) Preventive care Routine oral exams – limited to one per six months Prophylaxis (the cleaning and scaling of teeth) – limited to one per six months Topical application of fluoride – for dependent children under age 16; limited to one per calendar year (not applicable in all states) Diagnostic care Intra-oral occlusal film Bitewing X-rays (up to a set of four) – limited to one per calendar year Full-mouth X-rays (panoramic film or full series) – no less than 36 months apart Basic care Simple extraction Pin retention – per tooth, in addition to restorations Fillings (restorations) – Amalgam restorations – Composite restorations – limited to anterior teeth and bicuspids – Sedative fillings Maintenance prosthodontics – Denture repairs/adjustments – Denture rebase – no less than 24 months apart – Denture reline – no less than 24 months apart Major care Endodontic treatment Periodontic services Inlays, onlays and crowns Prosthetic services (dentures or bridges) Oral surgery Optional orthodontia discounts OrthoCare is an optional discount program that may provide savings of 15–20 percent on services performed by a contracted OrthoCare orthodontist. The OrthoCare Program is not an insurance benefit, nor is it affiliated with Madison National Life or Standard Security Life as a part of the IHC Dental insurance plan. The OrthoCare Program is not available in all states

GlobeHopper® Senior Individual & spouse – Short-term travel medical insurance for travelers age 65+ GlobeHopper® Senior addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000. There are two plan options available: Single-Trip helps protect travelers who need travel medical insurance coverage from five days up to 12 months while on a single trip. Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to 30 days maximum.

We offer Whole Life Insurance Universal Life Insurance Term Life Insurance Critical Illness Insurance Lump Sum Heart Attack & Stroke Insurance | Cigna

Dental Savings Plan

With a dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork. 

Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you'll get the quality care you deserve at a bigger savings than you ever imagined possible. 

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  • Trusted names in dental plans 
    Over 10 million members since 1979
  • See treatment costs ahead of time
    View dental fees online before you join
  • Easy, affordable payments 
    Starting at just $99.00 for a whole year... 
    That's around $10 a month.

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Rachel Maneen @ Pat Paulsen Agency 
Telephone: 850-202-8888 
Email Address: 
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Rates and product availability may change without notice; all quotes expire on the requested effective date.

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Rachel Renee Maneen

FAX: 1-850-479-2361