Washington National Active Care: Supplemental Health Coverage Combined in One Convenient Plan
While there are over 6,000 genetic disorders including Down’s Syndrome, Cystic Fibrosis, and Sickle Cell Anemia, there are also multifactorial inherited disorders including heart disease, high blood pressure, Alzheimer’s disease, diabetes, cancer and obesity to name a few. These disorders are likely associated with lifestyle and environmental factors as opposed to genetic disorders that are linked to a chromosome abnormality.
Depending on your family history, deciding what type of supplemental health coverage plan best suits one’s lifestyle can be easy or tough. Is there a history of cancer, heart or stroke issues, critical conditions like diabetes or renal failure in your family? Do you typically have healthy family members that would not lead you to think you will run into these health complications in your lifetime?
What is Washington National Active Care, what are the options, how does one qualify and how do you choose the best supplemental health coverage plan for you?
Washington National Active Care is a supplemental health insurance solution. This product conveniently combines the best features of cancer, heart/ stroke, hospital and accident policies, with benefits for additional critical illnesses. Coverage is customizable to fit the needs and budget of each individual, whether they are 18 or 64.
The basic key coverage types include:
• Cancer– skin cancer, carcinoma in-situ, hospital stays and annual care
• Heart & Stroke– bypass, angioplasty, stents, TIAs, hospital stays and annual care
• Critical Conditions– Alzheimer’s disease, deafness, diabetes complications, renal failure and hospital stays
• Hospital– wellness visits, accidents and sickness
• Accident– accidental death, dismemberment, injuries and emergency room visits
There are multiple coverage options including 17 critical illnesses, 14 types of accident injuries and seven other coverage types.
Should a policy holder with cancer, heart and stroke or another critical coverage receive such diagnosis, the lump-sum benefit pays up to $100,000 for each major illness. Recurrent benefits are in place for ongoing coverage after a major critical illness as well. Available products vary by state, with a 30-day waiting period that also does not apply in all states.
Member eligibility is dependent on:
• Between the ages of eighteen (18) and sixty-four (64)
• Reside in an available state
• Complete the Statement of Health Questions for Selected Coverage
Choosing the best supplemental health coverage plan is determined by your health, family medical history, who you are choosing to cover and budget. There are applicable unisex tobacco and non-tobacco rates in addition to a 5-year look back for cancer and heart conditions. Premium-return features include Return of Premium or Cash Value in most states. Basic benefit selection includes your lump-sum choice for cancer, heart & stroke and critical conditions starting at $5,000 and increasing from $10,000 to $100,000 in ten-thousand-dollar increments. The lump-sum benefit for child(ren) is a maximum of $10,000. Riders are available to supplement each coverage type and both basic and rider coverage availability may vary by state. Pre-existing conditions also vary by state.
Washington National Active Care is an excellent supplemental health coverage option for those wanting to protect themselves against specific illnesses that may be due to lifestyle choices or family history.
American Online Benefits Group offers Washington National Active Care as supplemental coverage to individuals and agents. Please contact our agent or member services to receive more information at 214-389-9072.