ENDORSED MAJOR MEDICAL INSURANCE PLANS

This is not a complete list of all membership benefits available. Please consult your ABBA representative for more information or to find out which package is right for you.

Membership in ABBA entitles you to apply for quality health insurance plans directly through select, endorsed insurance companies.

MAJOR MEDICAL INSURANCE PLANS*

  

Today, health insurance needs to provide you with choices. Through ABBA endorsed plans, you have choices of:

• Lifetime benefit per covered person
  
• Calendar-year maximum benefit per covered person
  
• Calendar-year deductible plus coinsurance
  

Easy to Understand… Easy to Use…

• After your deductible and out-of-pocket maximum, plans pay balance of covered expenses.**
• In designing your plan, remember that a higher deductible and coinsurance will lower your premium.
  
• You cannot be singled out for premium increase or cancellation based on claims.

Short-Term/Temporary medical coverage may also be available in your state. Ask your representative for further information.

*Underwritten by Independence American Insurance Company. For complete coverage details, including exclusions and limitations which may apply and may vary by state, and for information on state availability, the underwriter and its policy forms, please contact your ABBA representative or contact ABBA at 800-992-8044.

HSA-QUALIFIED HIGH DEDUCTIBLE HEALTH PLANS*

Health Saving Accounts or HSA-qualified plans, available in conjunction with the major medical insurance plan, combine high-deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible and out-of-pocket expenses. Money left in the health savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.*

* Always consult your personal tax advisor regarding the tax implications of an HSA.