Frequenty Asked Questions
Click on a topic to learn more below
- Long Term Care
- Short Term Care / Home Health Care
- Medicare Solutions
- Term Life Insurance
- Hospital Indemnity
We administer benefits for your association. Think of us as your main hub for your associations benefit program.
Customer Service: 1-800-258-7041
Monday-Friday from 8am-6pm CST
Enroll Online or View Benefit Information: www.myambabenefits.info
Request a call back or send us your question by completing the Contact Us form.
6034 West Courtyard Dr. STE 300
Austin, TX 78730
Long Term Care
No one knows what the future holds in store. As people age, they may need help with things they once were able to do for themselves. Accidents and injuries mean younger people need long-term care services, too.
Long-term care doesn’t mean you have to go to a nursing home. Services are available in a variety of settings:
- Assisted Living Facility
- Nursing Home
A long-term care insurance policy may be an important component of your overall plan for retirement.
- Pays a portion of your long-term care expenses
- Helps protect your retirement assets
- Allows you to spend your retirement the way you planned
You could purchase a long-term care insurance policy,and...
- Supplement your out-of-pocket expenses with policy benefits to help pay your long-term care expenses
- Protect a portion of your assets so you can use them as planned
- Stay connected to the things that matter most
Short Term Care / Home Health Care
On average home health aide cost about $46,332 per year based on 44 hours per week for 52 weeks.
No, Medicare has restrictions and limitations on what it will cover for skilled home care assistance. Unfortunately, seniors mistakenly believe that Medicare covers the entire recovery period at home. Out-of-pocket costs can be expensive for accidents or illnesses with long recovery times.
Benefits paid directly to you and you decide how to spend the benefits. Or payments can be made to a medical provider that you designate, and are paid in addition to any other health care coverage, including Medicare.
Your insurance may pay different coverage amounts based on the type of stay in the hospital. This policy could help cover unexpected expenses.
Almost a quarter of all seniors visit the emergency room due to these top 10 conditions:
- Injuries and accidents
- Heart disease
- Chest pain
- Adverse effects and complications of medical treatment
- Abdominal pain
- Chronic obstructive pulmonary disease
- Urinary tract infection
- Spinal disorders
Every year, your Medicare supplement insurance policy benefits coordinate with your Medicare benefits to help you meet your eligible health care expenses, depending on the plan you choose. What’s more, you can be sure your benefits won’t decrease.
With your Medicare supplement insurance policy, you alone select all your health care providers to use whenever and wherever you choose. You don’t have to worry about your doctor or hospital leaving a provider network at any time.
Your Medicare supplement insurance policy cannot be cancelled. It will be renewed as long as you pay the premiums on time and make no material misrepresentations.
Term Life Insurance
In the event of death, provides cash that may be used to pay off debts, enabling the surviving spouse and children to keep the current lifestyle.
In the event of a covered disability, this rider provides cash that can be used to make mortgage payments for either 18 or 30 months, after a 90-day* elimination period.
*In MD – 120-day elimination period.
If the primary residence sustains $25,000 or more of damage, this provision allows the monthly base premiums and riders to be waived for one six-month period.
In the event of qualifying unemployment, provides for premiums to be waived for one six-month period.
At the end of the policy term, this provision provides for a refund of all premiums paid if the life insurance is no longer needed.
You would. Just the thought of not being in our own surroundings and in control of our lifestyle is uncomfortable. But, an accident or illness may leave you with no other choice for recovery and care. A Recovery Care insurance plan gives you the freedom to choose how you want to recover and where.
You have 60 day trial period
You will receive up to a 3 year supply of batteries. That's 40 cells per hearing aid.
Ideally, you'd have both, because your disability coverage may not provide you a lump-sum payment to help you to take care of day-to-day living expenses and still have money for your recovery. Accident coverage can pay a lump-sum benefit in addition to any disability coverage you may have. Also, most disability plans provide a reduced monthly benefit, and many are valid for just a limited time.
Your premiums are group premiums designed to make this coverage affordables.
Covered losses range from loss of hearing to more serious injuries, such as paralysis and brain damage.