Affordable Health Insurance

We can now offer an affordable health insurance program to help cover individuals and their families

• May not have access to comprehensive medical insurance.
• Have pre-existing conditions that don't qualify for major medical.
• Have limited incomes and may not be able to afford comprehensive medical insurance.
• Elect comprehensive medical plans with high deductibles, thus requiring significant out-of-pocket payments that may be supplemented.
• Are in need of coverage for dependents for those who cannot afford to add them to a company sponsored

Plan Benefit Highlights

• PREVENTIVE CARE/ WELLNESS
• DOCTOR'S OFFICE VISITS
• LAB & X-RAY
• IN-PATIENT HOSPITAL STAYS (Confinement)
• SURGERY/ ANESTHESIA (Inpatient and Outpatient)
• ACCIDENTS
• MATERNITY
• IMPORTANT FEATURE: NO LIFETIME BENEFIT MAXIMUM

* not available in all states

For full details, please visit http://www.benetracks.net/35786.

Pharmacy Discount Cards

RxCut® Plus - Savings on Prescriptions, Lab Tests and Imaging Service

Click here to review and print card http://www.rxcut.com/54freedom/

Health & Wellness Insurance

Have questions about how a health plan works? Want to see what types of plans are available? Learn the ins and outs of health coverage from knowledgeable and friendly agents standing by to assist you with your health insurance needs.

Do you want to compare and price individual health insurance options in your area

Please call our toll-free Health Insurance Hotline for 54Freedom customers:

866-843-3327 - Call Toll-Free

Or get an online Health Insurance quote: http://liveoutloud.efinancial.com

There are a number of Health and Wellness solutions available. For many individuals we recommend speaking with a licensed agent.

Below are some basic health insurance information:

Medicare Basics

When it comes to Medicare benefits, it's best to begin with the basics. The better you understand Medicare benefits and how they work, the better prepared you'll be to evaluate your own needs and make sure you have the right plan. Medicare has four "parts": A, B, C, and D.

Part A covers some, but not all, of the costs for inpatient hospital care. It also covers:

• Up to 100 days of care at a skilled nursing facility
• Some hospice care and home health care

At age 65, you're eligible for Part A. You've probably already paid for Part A through payroll deductions during your working years. You're responsible for copayments and a deductible.

Part B helps cover doctor's visits and outpatient care. It also helps pay for some services Part A doesn't cover, including some physical and occupational therapy services and some home health care- if these services are medically necessary.

You must sign up and pay a premium for Part B. If you don't sign up when you first become eligible, at age 65, your Part B premium may be higher.

Part A and B together make up Original Medicare, also called traditional Medicare. Parts A and B cover a lot of the medical care you need, but not all of it. Some people buy a Medicare supplement, also called a "Medigap plan," from a private insurer. These supplemental plans fill in many of the gaps that Parts A and B don't cover.

Part C, better known as a Medicare Advantage plan, is available from private insurers that contract with Medicare. You must be enrolled in both Medicare Parts A and B to join a Medicare Advantage plan, which replaces Parts A and B and usually includes additional benefits. Several types of Medicare Advantage plans are available:

• HMO (Health Maintenance Organization)
• PPO (Preferred Provider Organization)
• PFFS (Private Fee-for-Service)

Part D is prescription drug coverage. Like Medicare Advantage plans, Medicare Part D is available only from private insurers through contracts with Medicare. You don't get Part D automatically- you have to select it, either by itself or as a part of a Medicare Advantage plan.

Please call us – we can help.

Aflac

• Individual or Family Accident Insurance
• Accident Coverage from Aflac
• Maximum Difference Cancer Insurance

Accident and Hospitalization Insurance

Accidental Death & Dismemberment Insurance
Provides large cash benefits to help families who are concerned that the accidental death of dismemberment of a family member will affect their standard of living. AD&D provides high benefit amounts for a lower premium, is easy to purchase and acceptance is guaranteed.

Accident Hospital Indemnity Plan
Provides cash benefits to help people who are concerned that medical treatment due to an accident may affect their ability to pay for any need that arises in their family. AHIP provides a higher benefit amount for a lower premium than most other accident hospital indemnity insurance products. Acceptance is guaranteed.

Accident & Sickness Hospital Indemnity Plan
This Accident & Sickness Hospital Indemnity Plan ("A&S HIP") is designed to provide fixed cash benefits for covered hospital stays for accident or sickness. These benefits are supplemental to basic health insurance.

Accident Emergency Room & Home Recovery
Accident Emergency Room & Home Recovery ("ERHR") pays a flat lump sum directly to the insured for any emergency room visit due to a covered accidental injury. Also provides a daily benefit to the insured after a hospital confinement.

Catastrophic Accident
Benefits provided for insured (and family members, if available) when a loss (dismemberment) caused by covered catastrophic accident. Benefits typically include additional benefits such as Seat Belt benefit, Dependent Child Benefit or Home Alteration Benefit. Coverage typically guaranteed-issue subject to eligibility limits (maximum issue age). Coverage contains exclusions.

Critical Illness
Provides benefits, paying insured when diagnosed as having cancer, heart attack stroke or paralysis (additional conditions could be available). Benefit amount contingent on when diagnosis occurs. Coverage contains exclusions.

Survivor Income
Survivor Income is an accidental death product focused on providing on-going income to the insured?s beneficiaries. Survivor Income allows you to make sure that your loved ones maintain their standard of living while recuperating.

Universal Accident
Universal Accident provides broad appeal by covering all of the possible outcomes of a severe accident.

Return of Premium Cancer Insurance
Provides supplemental benefits to help people who are concerned that cancer may affect their ability to pay for any need that arises in their family. ROP Cancer provides an unlimited benefit period and a higher benefit amount for both hospitalization and ongoing outpatient treatment than many other cancer insurance products. ROP Cancer offers a return of all premiums paid, less any benefits received once the certificate has been in force for 15 years.

Mortgage AD
Provides the policy holder with the means to protect the investment of their home in the event of an accidental death. The policy will pay off the outstanding mortgage balance up to $350,000 in the event of an accidental death. The customer can choose from either single or joint coverage.

Involuntary Unemployment Cash Benefit
The Cash Benefit Plan provides a fixed monthly benefit that is paid directly to the insured in the event of loss of income due to Disability, Involuntary Unemployment, Family Leave or is hospitalized due to an accident. The product also provides a death benefit from a Term Life or Accidental Death coverage plan. Policy holders can use benefits in any manner they see fit.