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How critical illness coverage helps protect employees

Even after paying the ever-rising premiums, many Americans find themselves struggling to pay expenses left uncovered by their health insurance if a critical illness occurs. That’s not surprising, given the increasing costs of treatment, care, copayments and deductibles.

Health insurance can be costly and isn’t designed to cover all the costs of a critical illness.

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Average deductible for single health insurance coverage in the U.S.1

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of covered workers have a high
deductible health plan.1

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Even with health insurance that provides 80% coverage, the remaining 20% for a major surgery can exceed $100,000.2

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of cancer patients and survivors report carrying medical debt due to the costs of their cancer, regardless of insurance coverage or income levels.3

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Patients with heart disease often have out-of-pocket costs of more than $2,000 per year.4

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of bankruptcies are tied to medical debt.5

Critical illness coverage helps with expenses health insurance doesn’t cover if employees experience:

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Diabetes 29.3 million adults have diagnosed diabetes.6

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Stroke 795,000 cases a year.7

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Mental health conditions 1 in 5 U.S. adults experience mental illness each year.8

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Chronic kidney disease Affects 35.5 million people in the U.S. – many of whom don’t know they have it.9

Even a $5,000 benefit payment can be a big help with treatment and recovery expenses:

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Meeting the minimum family deductible of a highdeductible health plan, with up to $2,000 left over.10

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Part- or full-time at-home care.11

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Stair lift, including installation, possibly with a little money left over.12

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Online behavioral therapy sessions.13

Ask your sales representative for more information about critical illness options for your clients.