Short Term Medical Insurance
Why You Need Critical Illness Insurance
Facts & Figures
- 87% of all cancers in the United States are diagnosed in people 50 years of age or older.¹
- More than 1 out of 3 women will be diagnosed with cancer in their lifetime along with almost 1 in 2 men.¹
- Nearly three-quarters of all strokes occur in people over the age of 65.²
- Stroke is the leading cause of serious, long-term disability in the United States.²
- Every 40 seconds, someone in the United States has a heart attack.²
- Heart disease is the leading cause of death for both men and women.²
“Sixty-two percent of the bankruptcies [in 2007] were medically related because the individuals either had more than $5,000 (or 10 percent of their pretax income) in medical bills, mortgaged their home to pay for medical bills, or lost significant income due to an illness. On average, medically bankrupt families had $17,943 in out-of-pocket expenses, including $26,971 for those who lacked insurance and $17,749 who had insurance at some point. Overall, three-quarters of the people with a medically-related bankruptcy had health insurance.” – Steffie Woolhandler, M.D., of the Harvard Medical School, in Cambridge, Mass.
How Critical Illness Insurance Works
It is important to note that Critical illness insurance does not replace major medical insurance. However, it can provide needed cash if you do not have health insurance or if your primary health coverage requires you to pay a high deductible. Under some critical illness plans, spouses or dependent family members may be covered under one policy.
- Loss of hearing, speech, or vision
- Major organ transplant
- Renal Failure
- Alzheimer’s Disease
When You Should get Critical Illness Insurance
When determining whether critical illness insurance is right for you, each person should take into consideration their own risk factors such as age, health, lifestyle, and family history of illness.
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²Source: U.S. Centers for Disease Control and Prevention
The information on this page in intended for general knowledge purposes. It does not provide a complete description of all the costs, benefits, and limitations for all critical illness insurance plans available. Not all applicants may qualify for coverage. Please consult your carrier policy for all terms and conditions.
389 Palm Coast Pkwy, Ste. 3
Palm Coast, FL 32137
(available by appointment)
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We visit residents in Volusia, Flagler, St. Johns, Putnam, Clay, and Duval counties.