Supplemental Health Insurance

As the health care reform debate continues across the nation, you are faced with making a decision about buying health insurance products for your family that your employer's primary medical insurance plan doesn't cover.

hr

Transamerica offers a variety of supplemental health insurance products that employees may choose to purchase through their companies at rates that are more competitive than they could get on their own, including short-term disability, vision, dental, cancer, critical illness, accident, limited benefit hospital indemnity, and out-of-pocket medical expense.

If you get hurt or sick, our supplemental health insurance products can help pay the out of pocket expenses your medical insurance may not cover or pay you cash benefits to make up for lost wages. Out-of-pocket expenses include deductibles, copayments and coinsurance.

Transamerica's supplemental health insurance does not replace your major medical insurance. Supplement Health Insurance can help protect your family's finances if an unexpected accident, critical illness or other medical emergency occurs. Then, you and your family can focus on more important things- each other.

Through the Transamerica portfolio of supplemental health benefits, we are able to bring products to employees to help them make informed decisions about their financial future.

Accident Insurance

Accidents and injuries can happen at any place at any time. A reduction of stress can lead to a speedier recovery. With health plans having deductibles of $1,000 or higher, this insurance can help offset the medical deductible. Accident insurance can help you pay for medical bills and other out-of-pocket expenses that often arise after an unexpected injury.

Cancer Insurance

This product is designed to provide benefits to help pay for the costs of cancer treatment. This policy can help pay a variety of expenses associated with cancer care, including chemotherapy and radiation, surgery, hospital confinement, transportation and lodging. With this supplemental benefit, you'll not only have more resources to cope with any future diagnosis of cancer, but you'll also have wellness benefits to help you detect cancer early when it's most treatable.

Critical Illness Insurance

A critical illness insurance policy can help you pay the costs associated with the initial diagnosis of hearth attack, stroke or other serious illness. The policy provides a lump sum payment to help pay for expenses, including deductibles, co-pays, child care, credit card bills and travel for medical treatment. A critical illness insurance policy lessens the financial strain a major illness can create so you can focus on recovery.

Dental Insurance

This product is a voluntary group dental insurance policy that provides benefits for common dental needs. It's easy to use and it offers maximum benefits, flexibility, network savings and dedicated service professionals. We are certain dental insurance will give you something to smile about.

Out-of-Pocket Medical Expense (GAP) Insurance

It pays benefits for out of pocket expenses of deductibles, co-insurance and co-payments for charges from your employer's comprehensive medical plan.

Hospital Indemnity Insurance

Are you financially prepared if an unexpected illness or accident causes you or one of your family members to spend one day, two days or longer in the hospital? Recovering from a serious illness or accident is difficult enough without having to worry about the added financial stress of being in the hospital. You can help protect yourself with a product that pays benefits for expenses that arise if you or a covered family member end up in the hospital. THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT.

Short-Term Disability Income Insurance

Studies show that just over 1 in 4 of today's 20 year-olds will become disabled before reaching age 67.ii Short Term Disability Income insurance helps replace up to 60% of your salary if you are unable to work because of a disability, and you can select the amount you want to buy in $100 increments.

Vision Insurance

This product offers a comprehensive annual eye exam, fully covered frames or frame allowance or contact lenses allowance and discounted laser eye surgery through a national network of providers.

Products underwritten by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company.

hr

iiSocial Security Administration www.ssa.gov August 2014. Use of statistics does not imply endorsement.

hr