MEMBER BENEFITS

DENTAL

• Choose your own dentist - No network required.

• Save up to 50% - With a dentist in the Ameritas Dental Network.

• No Waiting Periods - For covered services during open enrollment.

• Over 400,000 providers to choose from - Whether home or traveling.

• Wide Range of Procedures - Covered up to 100% with a low deductible

• High Calendar Year Maximum - And ability to carry over some unused maximum to the next year.

MEDICARE SUPPLEMENT

Medicare doesn’t provide all the health insurance coverage you need. That’s where a Medicare Supplement plan comes in. Also known as Medigap, these insurance plans not only help pay for additional eligible expenses not paid by Medicare, they provide the freedom for you to use your own physician, specialist, and medical facility.

CANCER, HEART, & STROKE CARE

Many advanced treatments that could increase your chances for cancer survival are not available locally. Travel, care, and other out-of-pocket expenses can be overwhelming.

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A cancer plan will:

• Pay cash directly to you upon first diagnosis of internal cancer or malignant melanoma

• Be paid at one time in one lump sum, for you to use as you see fit

• Offer an optional heart and stroke rider for additional premium

MEDICAL TRANSPORTATION

One ride to the hospital could cost you thousands of dollars out of pocket, and air transport could add up to $50,000 or more. Protect yourself with a Medical Transportation plan. Best-in-class emergency transportation coverage from Medical Air Services Association (MASA), available 24/7 at home or while traveling. It provides transportation of you, your spouse, children, grandchildren, even pets and vehicles at no additional cost. More complete coverage than competitors. No premiums, deductibles or other hassles. Pay once and you're covered!

VISION

• Choose from thousands of eye doctors in rural and metropolitan areas nationwide.

• One-stop convenience for eye exams and eyewear to take care of all your vision needs, your local Walmart included.

• Great Benefits and Low Copays for the services you need, including:

  • WellVision Exam covered every 12 months with a $15 copay.

  • Prescription Eyeglasses with a $25 copay.

    • Frames covered every 24 months

      • $150 allowance on a wide selection of frames

      • $170 allowance for featured brands

      • 20% savings on the amount over your allowance

    • Lenses covered every 12 months.

      • 100% Coverage On All Progressives

      • 100% Coverage On Anti Reflective Coating

      • 20-25% Saving On Non-Covered Lens Enhancements

      • Single Vision, Lined Bifocal, and Lined Trifocal Lenses

  • Contact Lens Exam covered every 12 months (instead of eyeglasses).

• 20% savings on additional glasses and sunglasses.

LONGTERM CARE

A Long-Term Care insurance policy can ease the financial burden on your loved ones. Save your family thousands of dollars, helping to protect your life savings and reduce the stress on your spouse and children.

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Long-term care services not typically covered by Medicare include:

• A skilled nursing facility after 100 days

• Bathing

• Dressing

• Transferring to and from a bed or chair

• Eating

• Personal hygiene

Long-term care today can cost $75,000 a year or more. The sooner you plan, the better your chances of avoiding financial challenges later.

ANNUITY

If you never want to get jolted by sudden changes in the stock market, then a Fixed Index Annuity may be for you. With this annuity, your income is locked in, with a guaranteed interest rate. Plus there are multiple payout options.

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Why a Fixed Index Annuity?

• Protects your investment from downturns

• Enjoy market gains without downside risk

• Offers guaranteed interest rates

• Provides income for your entire lifetime

• Liquidates penalty-free for Confinement, Terminal Illness and Home Health Care

• From a carrier you know and trust: A+ rated by Standard and Poor’s, in business for over 133 years

WHOLE LIFE

This plan can give you the peace of mind of protecting your family from the high cost of final expenses.

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Advantages include:

• No medical exam or lab tests

• No premium increase as long as you continue making payments

• No decrease in coverage due to age or health