American Trustee of Missouri is a company that cares about your health and wellness.
American Trustee of Missouri assist individuals and business owners in implementing great benefits for their employees, no matter how big or small. When you’re healthy, many people think health insurance isn’t necessary. I hope I can convince you to reconsider. A simple trip to the emergency room for an illness or broken bone can cost thousands of dollars. Add a hospital stay or surgery, and the price soars. The average person in the United States does not have a savings account or a rainy-day fund protecting them from unexpected expenses.
Medical bills are one of the highest causes of bankruptcy in the United States. We all have the desire to live a decent life, save for retirement and live with the feeling of financial security. One simple doctor’s visit informing you that you or a member of your family has a diagnosis of cancer, heart attack/stroke, or any other major diagnosis can change your life and financial security for possibly the rest of your life. Do you really want to take that risk?
When You Have Health Insurance Benefits Can Offer Immediate Savings
Most health plans offer a copay, such as $25 doctor visits and $60 urgent care visits. They usually offer free well visits, immunizations, colonoscopies, mammograms, and annual physicals.
The insurance company is responsible for the balance. They also usually have deductibles such as $2500 or $5000. You must pay deductibles before the insurance company pays any portion of emergency room visits, labs, x-rays, hospital stays, etc. Deductibles are followed by coinsurance. Most policies have either an 80/20 or 70/30 coinsurance benefit. After the deductible is met, coinsurance starts. The higher number is what percent the insurance company is responsible for. You are responsible for the remaining percentage. Health plans also have a max out-of-pocket amount. When this is met, the insurance company is responsible for 100% of the remaining balance for the rest of the policy year.
Did you know? Cancer is at an all-time high. It is estimated that 1-2 will get an internal cancer diagnosis in their lifetime. And that cancer is the #1 reason for medical bankruptcy across the country.
Supplemental Plans: AFLAC
Aflac offers a cancer plan that pays cash to you if you receive a positive internal cancer diagnosis. Use the cash for whatever you need: medical expenses, rent/mortgage, food, utilities, etc. This plan pays benefits to assist with treatments, hospitalization, reconstruction, home health, hospice, and much more!
This cancer plan is offered on an individual basis or through a company benefit saving 30-40% off the plan cost. For a company-based benefit (3), employees taking plans is necessary.
Call Linda Buchmann for more details on this fantastic cancer plan and get it put in place right away to protect your loved ones.
Other AFLAC plans available: Accident, Critical Illness, Short Term Disability, Hospital, Life, Dental & Vision. (Plans & age restrictions may differ from state to state, not all plans are available to individuals).
Confused? You are not alone.
That’s why it’s important to have an insurance broker to assist you. A broker represents many different companies offering different plans, different networks, and a variety of prices. Linda can assist you with all your health insurance needs for 65 & under and Aflac plans for 18-75 years of age.
Linda Buchmann at American Trustee would love to assist you with your healthcare needs! Please feel free to call/text 660-537-5177 or email [email protected] for your personal or employee benefits.
I’VE GOT YOU COVERED!