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YOUR ASSOCIATION CAN HELP YOU FILL THE GAPS IN YOUR INSURANCE COVERAGE
This is one of the main advantages of being a member! Thanks to our trusted partner, Association Member Benefits Advisors (AMBA), members are eligible for exclusive insurance plans that are effective and affordable. If you’ve had trouble getting supplemental insurance at a reasonable rate, here’s your chance! Best of all, it's easy - you can enroll your way: online, by phone, or in person.
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.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.LEARN MORE »
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.
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
Accident recovery typically gets more challenging with age, which could set you back financially as well as physically. This policy helps cover expenses standard medical plans might not, such as ambulance, hospital costs, intensive care, physical therapy, family lodging and transportation, and more.LEARN MORE »
Long Term 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.
Long-term care services not typically covered by Medicare include:
- A skilled nursing facility after 100 days
- Transferring to and from a bed or chair
- 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.LEARN MORE »
Term Life insurance is basic, affordable protection essential to your family’s overall financial planning. If you currently do not have life insurance or need more, purchasing term life coverage is a good place to start.
Our Term Life Answers products are available in the following face amounts with full underwriting: Term 10, 15, 20 and 30: $100,000 and above. Each Term Life insurance product offers riders that add flexibility to make your coverage just right for your stage of life:The premiums are guaranteed not to increase for the duration of the term period.LEARN MORE »
This plan can give you the peace of mind of protecting your family from the high cost of final expenses.
- 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
If you never want to get jolted by sudden changes in the stock market, then a Tax-Deferred Asset Protection may be for you. With this annuity, your income is locked in, with a guaranteed interest rate. Plus there are multiple payout options.
Why a Tax-Deferred Asset Protection?
- 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
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!LEARN MORE »
It’s no secret that hospital visits can be expensive. However, there are other hospital expenses that can prove costly, as well. These include extended hospital stays, emergency room visits, ambulance transportation and more. That’s why having a supplemental hospital indemnity insurance policy could be a smart financial decision – one that provides additional protection for you and your loved ones.LEARN MORE »
Most insurance plans don't cover hearing healthcare. This no-cost program provides free hearing consultations and discounts on hearing aids through a nationwide network of hearing professionals.
- Free annual consultations for you & your immediate family
- One year of free office visits (limit 6)
- Nationwide network of 3,000+ locations
- Discounts on hearing aids, tinnitus options & hearing protection products
YES, I'd like to learn more about vision and dental plans through CSUERFSA!
Please have a representative contact me.