TOTALINSURANCEAGENCY.COM ACCIDENT PROTECTION
"24 HOUR ACCIDENT MEDICAL COVERAGE"
Accident Expense Coverage for Members and their Families
* Pays 100% of covered medical expenses after satisfying a $100 or $250 Deductible up to the coverage maximum. * NEW callMD, a network of medical doctors you can call for a consultation or medical needs anytime, any day
* Use any doctor or hospital. *Automatic Acceptance through age 64.
* Accidental Death & Dismemberment benefits. * Benefits are paid directly to you.
* Emergency Helicopter Air Ambulance benefits
(Accidents account for 18% of all hospital stays)
Features
Basic
Basic Plus
Basic Premier
Premier
* Accident Medical Expense Coverage.
$2,500
$5,000
$7.500
$10,000
* Accidental Death & dismemberment.
$5,000
$5,000
$7,500
$10,000
* Emergency Helicopter Air Ambulance.
$4,000
$4,000
$4,000
$4,000
For further information or a Free Quote, Click on accident

- OR -

"24 HOUR ACCIDENT LIMITED BENEFIT COVERAGE"
Limited Accident Expense Coverage for Members and their Families
* Helps pay your medical expenses for hospital emergency room and confinement, doctor and surgeon, lab tests and x-rays and ambulance.

* Benefits are paid directly to you.

 
* Accidental Death & Dismemberment benefits up to $15,000 * Automatic Acceptance through age 64.
* You can choose any Doctor or hospital.
(Accidents account for 18% of all hospital stays)
Maximum Per Accident Per Insured Member.
Option 1
Option 2
Option 3
* Accidental Death & dismemberment.
$2,500
$10,000
$15,000
* Maximum Medical Expense Benefit Paid Per Covered Accident.
$2,000
$5,000
$7,500
* Deductible Per Accident.
$0
$100
$250
* Hospital Confinement. (inpatient)
$500
$1,250
$1,875
* Physician's Services. (no surgery)
$500
$1,250
$1,875
* Surgery. (includes Assistant Surgeon & Anesthesiologist Services)
$500
$1,250
$1,875
* Laboratory Expenses.
$200
$500
$750
* Ambulance Services.
$200
$500
$750
* X-ray & Imaging Expenses.
$100
$250
$375
* Emergency Room Services. (up to 3 visits per year)
$100
$150
$175
For further information or a Free Quote, Click on limited accident

"Simply the Best" & "Most Competitive" major medical health insurance, return of premium term life insurance, critical illness insurance, accident protection, disability income protection, final expense insurance & medical/health/hospital/dental discount products in the industry... To individuals, independent contractors, the self-employed & small business owners.

Questions? e-mail totalinsuranceagency

These days, many people feel that buying insurance is confusing to say the least. They find that although just comparing insurance company rates is fairly easy to do, the difficulty comes when one has to compare the rates against the benefits.

What value are they getting for their buck? What does all that insurance jargon mean? How well will I and my family be covered? Are the limitations and exclusions normal? Are the maximums allowed fair?

It is not uncommon to pay less for less as well as paying more for less. Most any insurance policy will get you through the hospital door, The catch is however, will you have the proper insurance coverage to be able to stay for the long term.

ALL VALUE BENEFITS OF AMERICA MEMBERSHIP INCLUDES THE BELOW DISCOUNTS AND DIVIDENDS:

The Dividend Club:
VBA members will earn Dividends (paid quarterly to you) on Merchandise, Services, Travel & Entertainment when you shop from our On-line Mall and make a purchase. Choose from retailers like these, just to name a few, and get the dividends: Walmart.com, Target.com, BestBuy.com, CircuitCity.com, CompUSA.com, DisneyStore.com, OfficeMax.com, BrooksBrothers.com, Brookstone.com, Buy.com, EddieBauer.com, LizClairborne.com, FOA.com, FOSSIL.com, HotelDiscounts.com, Jcrew.com, etc.

Refund Sweepers:
VBA members receive Free Merchandise, Bargains, On-line Coupons, Rebates, Sweepstakes & more.

Car Rental Services:
VBA provides discounts at Alamo, National, Hertz and Avis.

Rewards Network:
VBA members has access to America's Premier Dining Rewards Program and Hotel Discounts. Save up to 20% off every meal plus up to 15% off your hotel room rate.

Included at no charge with your VBA membership:
VBA discounts at over 55,000 pharmacies for your prescription drugs as well as lab tests and x-ray imaging services.

You would probably save much more then your membership using your club benefits!

(Accident Plan) Above programs may not be available in all states.(Accident Plan)

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