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With health insurance costing more and delivering less these days most people today are experiencing a growing financial burden that they’re ultimately responsible for. As a result, the demand for supplemental health insurance products is growing and Critical Illness insurance is one of those products.
Critical Illness insurance was invented by world renowned heart surgeon Dr. Marius Barnard. Dr. Barnard observed first-hand the detrimental financial impact his patients experienced following their treatment. Too many of them were putting their recovery at risk by forcing themselves back to work too soon just to pay the bills. Dr. Barnard felt this was wrong and that there should be an insurance product that could provide recovering patients a cash payment the moment an illness was diagnosed. His observations ultimately gave birth to modern Critical Illness insurance. Critical Illness insurance is a Limited Benefit Policy. It is not a comprehensive major medical plan or Medicare supplement policy.
Critical Illness insurance is about reducing the emotional and financial stress associated with the diagnosis of and recovery from a critical illness. The purpose of this insurance is to help families narrow or even close this growing financial gap and focus on getting well and not wondering about how to pay the bills.
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. However, some policies may pay a monthly cash benefit. You have complete discretion on how to spend the money – it can be for out of network medical costs, experimental treatments or even to pay your mortgage. It can be for anything you decide. No bills or receipts are required and no strings attached.
To learn more about Critical Illness insurance give us a call us today to schedule a free consultation. We’ll discuss the importance of adequate health care planning and how Critical Illness insurance can play a role in your own personal health care strategy.
AskCarolB puts you at the center of everything we do. As licensed agents, we will guide you through the Medicare maze at no cost. We work with the top carriers in the nation to tailor a plan that meets your needs at the lowest price available.
AskCarolB truly cares that you are protected as you age. We provide clarity and security in the choices made.
AskCarolB.com is owned and operated by Ask a Friend, Inc., and is a privately-owned website. This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement Insurance, Medicare Advantage and Prescription Drug Plans, as well as Marketplace and Ancillary Health Insurance plans and submission of your contact information constitutes permission for a licensed sales agent to contact you with further information, including complete details on cost and coverage of this insurance. Individual products and features are subject to availability and may vary by state according to the carrier’s plan options. Premiums are based on ZIP code, age, household discounts and tobacco use and are not a guarantee of cost reduction.
This is a solicitation for insurance. Although we are contracted with many carriers, this is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. AskCarolB.com markets a portfolio of a wide variety of health insurance and supplemental insurance products such as on and off-exchange health, dental, vision, hearing, indemnity plans, long term care, final expenses, etc. AskCarolB.com’s quoting platforms do not include all health insurance companies or all available insurance products.
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