Serving the Health & Life Insurance Needs of
Texas, Louisiana & Oklahoma

Accident-Dental-Critical Illness Insurance : Heart Attack, Cancer, Stroke +

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Health Insurance Supplements: Critical Illness-Cancer-Heart Attack-Stroke, Accident Coverage, Dental,Vision, Disability For example, a hospital indemnity policy is a supplemental policy that pays cash benefits when the insured is hospitalized for a non-occupational injury or illness.

The first type pays a flat dollar amount for each hospital confinement, typically ranging from $1,000 to $2,000. Many plan sponsors select limits that correspond with deductibles on their major medical plan. The second type pays a fixed benefit for each day of hospitalization, usually about $100 per day. Each plan type has annual maximums.

Indemnity plans differ from major medical coverage in several ways. First, benefits go directly to the insured rather than the healthcare provider. The insured can use 

benefits however he chooses. The claim process for these policies is relatively simple—the insured simply provides proof of hospitalization, and the insurer will pay benefits. Under a major medical policy, insured individuals must file a claim with their insurer, which evaluates the claim to make sure it is covered, then makes payment directly to the healthcare provider as reimbursement. (Many providers will file a claim on behalf of the insured.) Indemnity policies—like all supplemental policies—don’t replace major medical plans. They “wrap around” and complement basic health insurance.

If you are interested in providing lower-cost basic health insurance coverage to your employees, a high-deductible health plan linked to a health savings account (HSA) 

could offer a solution. High-deductible plans can provide coverage for catastrophic illness/accident, while workers can use funds in the linked HSA to pay for 

non-reimbursed medical expenses.

Either the employer, the employee or both can make tax-exempt contributions to the HSA. However, the employee owns the HSA, so balances are fully portable. Balances can accumulate year to year indefinitely and tax-free.

You can further tailor your health benefit program by offering supplemental benefits to wrap around the basic health plan. These programs, such as hospital indemnity plans, pharmacy indemnity plans and others, can help bridge the gaps in high-deductible health plans. 


Accident Insurance / Health Supplement is strictly based on an injury incurred from an accident-Auto Accident, Sports Injury, handyman accident, slipping, falling - anything accident related. Perfect for those emergency room visits requiring 

x-rays or even an ambulance. Make sure your accident insurance supplement is intact before your child hits the sports field or court. 

2 plans to choose  

-Accident Fixed Benefit pays pre-declared amount/cash based on the injury to use towards your personal or medical expenses

Accident Fixed Benefit Quote

-AME Accident Medical Expense pays toward your medical bill after a $250. deductible (more coverage) 


Critical Illness Insurance / Health Supplement Pays instantly on first diagnosis on any of 15 life threatening illnesses. Includes optional term life insurance with your choice of $2500. to $200,000. in benefits, 50%, 100% or 200% of critical illness benefit 10 or 20 year policy term. Invasive Cancer, Heart Attack, Stroke, Kidney Failure, Coma, Blindness, Deafness, Major Organ transplant, Paralysis, Loss of Limb, Major Burns    

 Cancer-Heart Attack-Stroke  Pays cash based on level of illness.  


Dental Insurance and Vision  Insurance /Supplement

Never covered under a traditional health insurance plan unless there is a severe health issue involved. Dental and Vision Insurance supplemental plans will allow for your teeth cleanings and eye check ups with additional benefits depending on the plan.   

 

Disability Health Supplement 

Designed to help financially in the event the insured is no longer able to earn an income. Levels and cost vary depending on income.   


GAP ER

Pays 5 visits per person up to $1000. each occurrence - any health care facility Emergency room and Urgent Care. Great for kids playing sports! 

Details Quotes Apply



 Limited Benefit Plan- National General Foundation Health plans are fixed-indemnity insurance plans that pay limited benefits to provider. This plan is different than other health insurance plans. It pays pre-set dollar amounts for specific health care services. The benefit you receive for a certain health care service is the same regardless of where you receive your care or how much your provider charges 

Affordable access to health care with easy-to-use benefits that start right away 

Set dollar amounts that help you pay for office visits, hospital stays, lab work and more 

First-dollar benefits with no deductible or copay to satisfy 

Access to telemedicine services and WellCard discounts on prescriptions, vitamins and more with a L.I.F.E. Association Membership 

Discounts on covered health care services when you visit network providers   Brochure     Find a Provider    Quote/Apply

Battistone Insurance Group 

281-391-3133 

mark@battistoneinsurancegroup.com

 


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