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How critical illness coverage helps employees

Even after paying the ever-rising premiums, many Americans find themselves struggling to pay expenses their health insurance doesn’t cover in the event of a critical illness. 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 treatment costs needed for a critical illness.

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Average family deductible for health insurance in the U.S.1

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of covered workers have a high
deductible plan.2

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Even with health insurance that provides 80% coverage, the remaining 20% for a major surgery can exceed $100,000.3

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of cancer patients and their families estimated spending more than $20,000 each year in total out-of-pocket costs.4

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Patients with heart disease often have out-of-pocket costs of more than $2,000 per year.5

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of people who file for bankruptcy relate it to medical issues.6

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

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Cancer 1.8 million new patients a year.7

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Stroke 795,000 cases a year.8

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Major organ transplant 41,000 a year.9

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Kidney failure 785,000 cases a year.10

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 $2,200 left over.11

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Part- or full-time at-home care.12

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Uber rides to health care appointments.13

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Home visits with a registered dietitian.14

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