USHEALTH Group is an insurance company based in Fort Worth Texas. USHEALTH offers a wide range of insurance products that are designed to serve small businesses and their employees, the self-employed, and families.
USHEALTH offers several different types of health insurance. USHEALTH’s Essential Health Benefit Plans provide members with the basic health insurance coverage that is required under the Affordable Care Act (ACA). The plan comes in four different levels, Bronze, Silver, Gold, and Platinum. These plans can only be purchased through insurance agents and are not available through the ACA’s State health insurance exchanges.
USHEALTH also offers PremierChoice and Secure Advantage health coverage. These two policies provide members with a lot of flexibility. PremierChoice is a no deductible plan that permits insured individuals to use any doctor or hospital they want. PremierChoice also enables members to receive higher benefits when they elect to use plan contracted providers. Secure Advantage offers the ability to lock in rates up to 36 months and offers a choice of flexible deductible options. Both PremierChoice and Secure Advantage can be used for sickness and accident coverage.
USHEALTH Group also offers a product called MedGuard. MedGuard is actually a term life policy that is renewable, but it also falls into the health insurance category because the death benefit can be accessed to pay for the costs associated with covered critical illnesses or surgeries. 100% of the death benefit can be accessed because of permanent paralysis, organ transplants, cancer, strokes, kidney failure, heart attacks, or any terminal illness. A smaller percentage of the death benefit can be accessed for other covered conditions or surgeries.
USHEALTH also offers dental coverage via SecureDental and vision coverage with PremiereVision. SecureDental is a traditional dental insurance plan that offers several options for covering dental services up to $500, $1,000, or $1,500 per year for each insured member. PremiereVision covers one vision exam per year, a $120 allowance towards frames and a 20% discount on amounts over $120, and coverage of single vision lenses.
USHEALTH offers two life insurance products. First, MedGuard becomes a traditional term life policy if an insured individual dies and does not use the coverage for one of the covered critical illnesses or surgeries.
USHEALTH also offers a traditional term life policy called LifeProtector. This product is a 10-year renewable policy.
Income Protection Insurance:
Finally, USHEALTH offers two options to protect income in the event of accidents or disability. Accident Protector provides two types of coverage for injuries sustained in accidents. First, the policy will pay a lump sum payment injuries, death, or dismemberment. Second, the policy also covers medical expenses that are not paid by traditional health insurance coverage. Coverage options range from $2500 to $15,000 per insured.
Income Protector is a policy that provides a monthly cash benefit in the event of temporary disability. The coverage options range from $500 to $1500 per month for 3, 6, or 12 months.
All USHEALTH Group products must be purchased from a USHEALTH agent. To locate an agent and get a quote, visit www.ushealth-group.com and click the “Get A Quote” button.