MAJOR MEDICAL INSURANCE


The Major Medical Policy has largely replaced the old "Hospitalization" policy which covered people only when they had to be hospitalized. This policy insures the policyholder for Doctor Visits, Hospital Care, Prescriptions, Emergency Room and other benefits. The Insured can chose his own Doctor or Hospital.

MEDICARE  SUPPLEMENT

This policy will pay to people who are on Medicare usually those over 65 years of age  the amounts that are not covered by Medicare, usually the hospital deductibles and the other deductibles and coinsurance charges.

DISABILITY  INSURANCE

This is a policy that pays the applicant in case of sickness or accident to make up lost income while laid up. The policy is based on a person's occupation, since the riskier the work is, the more likely is the chance of a disability absence from work. The premium also depends on the amount of money the applicant wishes to receive, for how long the Company is supposed to pay this amount and how soon payments are to start.

 LONG TERM CARE

This policy is designed to help people approaching Senior Citizen age or people over 65 years of age to protect them from the enormous expenses occurring if and when they need to enter a nursing home or assisted living facilities. The policy is based on Daily Benefits from $ 40.00 to $ 250.00 or beyond and is available for Lifetime or a number of years depending on the applicant's current age.

  GROUP HEALTH INSURANCE

See above explanation of Life Group Insurance. The rules are more or less identical. Group insurance is available for firms with only 2 employees with no upper limit.

Community Insurance Center, Inc.
526 East 87th Street - Chicago, IL 60619
(773) 651-6200 Fax: (773) 651-8264
E-mail: sales@communityins.com