National General Plan Enhancer
What is the National General Insurance Plan Enhancer?
Plan Enhancer helps you improve your coverage with flexible solutions. You’ll have a strategy for the unpredictable with Plan Enhancer, plus the opportunity to add levels of coverage and protect yourself from out-of-pocket costs that you can’t see coming.
Plan Enhancer’s Customer Loyalty benefits include things like a Disappearing Deductible that rewards you the longer you have the plan.
After staying with the plan for 3 years, your deductible disappears and you receive enhanced benefits to Durable Medical Equipment and Ground Ambulances.
Plan Enhancer pays cash benefits right to you. You can use the money any way you like, from covering medical deductibles to keeping up with household expenses. It’s a strategy to help you face the unpredictable with confidence.
Improve Your Coverage with Plan Enhancer's Flexible Solutions?
Have a plan for the unpredictable with Plan Enhancer. This plan gives you the opportunity to add levels of coverage and protect yourself from out-of-pocket costs you can’t see coming.
Starting with Accident Medical Expense coverage, Plan Enhancer allows you to add optional Cancer and Heart/Stroke and Sickness Hospitalization rider — depending on the availability of these riders in your state. By paying cash benefits right to you, Plan Enhancer can help you face those unpredictable moments in life with confidence.
What Three Benefits Could be in NGIC's Plan Enhancer?
Accident Medical Expense
Accident Medical Expense gives you the coverage you need to pay the high out-of-pocket medical bills following an accident.
Cancer & Heart/Stroke
Cancer and Heart/Stroke coverage pays one lump-sum benefit for a covered first-ever cancer diagnosis and a covered heart attach or stroke. It pays 100% of the selected benefit for cancer; a heart attach resulting from coronary artery disease or cardiac arrhythmia; and stroke resulting from cerebrovascular disease.
Sickness Hospitalization
If you’re admitted to a hospital for a sickness, this rider will pay a lumpsum benefit for the first day of covered hospital admission. Sickness Hospitalization coverage has no deductible and no network restrictions.
Plus, it pays benefits regardless of other coverage you may have, helping you get the out-of-pocket coverage you need, when you need it.
Accident Medical Expense Plan
Accident Medical Expense Plan Features
- Pays covered expenses up to the selected benefit amount regardless of other coverage.
- Treatment-specific limits on ground ambulance, physical medicine and durable medical equipment, with benefits that increase in year 2 and year 3.
- Includes accidental death and dismemberment benefits
- Acceptance is guaranteed
- Year 1: $250 deductible
Year 2: $150 deductible
Year 3: $0 deductible - No network restrictions
- No waiting period applies
- Applicants must be 64 years of age or younger
- Accident Medical Expense plan can be purchased on its own
* for detailed benefits, see full product brochure
How Does Accident Medical Expense Work?
Mark was painting the living room when he fell off the ladder and broke his hand. He has a primary medical plan with a $3,000 deductible and Plan Enhancer with a $5,000 benefit level. Mark is in his second year of the plan.
| MEDICAL COST TO REPAIR BROKEN HAND | $4,500 |
|---|---|
| YEAR 2 ACCIDENT MEDICAL EXPENSE DEDUCTIBLE | $150 |
| ACCIDENT MEDICAL EXPENSE PAID | $4,350 |
| PRIMARY PLAN DEDUCTIBLE | $3,000 |
|---|---|
| REMAINING BENEFIT | $1,350 |
After he pays his primary plan deductible, Mark has $1,350 left to help cover other medical or household expenses.
Optional Rider 1: Cancer and Heart/Stroke Plan
(not available in all states)
Cancer and Heart/Stroke Plan Features
- Pays full benefit regardless of other coverage
- Percentage of benefit payout varies by covered condition.3
- Waiting periods apply (90 days for cancer and 30 days for heart/stroke).4
- Year 1: $250 deductible
Year 2: $150 deductible
Year 3: $0 deductible - No network restrictions
- No waiting period applies
- Applicants must be 64 years of age or younger
- Accident Medical Expense plan can be purchased on its own
* for detailed benefits, see full product brochure
How Does Cancer and Heart/Stroke Plan Work?
Following a routine colonoscopy, Oscar found out he had colon cancer. After a year of treatment, his medical bills started adding up. He has a primary medical plan with a $5,000 out-of-pocket limit and Plan Enhancer with a 5,000 benefit level.
| TREATMENT COST | $14,019 |
|---|---|
| PRIMARY MEDICAL PLAN PAID | $9,019 |
| PLAN PAID | $5,000 |
| REMAINING OUT-OF-POCKET COSTS | $0 |
In this example Oscar's Plan Enhancer benefits helped him cover his medical coverage deductible.
Optional Rider 2: Sickness Hospitalization Plan
(not available in all states)
Sickness Hospitalization Plan Features
- No deductible
- Pays full benefits regardless of other coverage
- No network restrictions
- Lump-sum benet paid on rst covered day of hospital admission
- One benefit per year, per person and two benefits per year, per family
- 30-day waiting period applies
- Pre-existing conditions limitation applies
- Available to applicants between 18 to 64 years of age
- Applicants must answer medical questions to qualify
* for detailed benefits, see full product brochure
How Does a Sickness Hospitalization Plan Work?
Donna was admitted to the hospital with pneumonia. She has a primary medical plan with a $5,000 out-of-pocket limit, and Plan Enhancer with a $5,0000 benefit level.
| TREATMENT COST | $9,300 |
|---|---|
| PRIMARY MEDICAL PLAN PAID | $4,300 |
| PLAN PAID | $5,000 |
| REMAINING OUT-OF-POCKET COSTS | $0 |
In this example Donna's Plan Enhancer benefits helped her cover her medical coverage deductible.
For as long as you keep your plan, Plan Enhancer’s AME features increasing Customer Loyalty benefits
Disappearing Deductible:
Year 1: $250 deductible | Year 2: $150 deductible
Year 3 and beyond: $0 deductible
Increasing Ground Ambulance Benefits:
Year 1: $300 benefits | Year 2: $600 benefits
Year 3 and beyond: $900 benefits
Increasing Durable Medical Equipment Benefits:
Year 1: $250 deductible | Year 2: $150 deductible
Year 3 and beyond: $0 deductible
About National General Insurance
National General Holdings Corp. (NGHC), headquartered in New York City, is a specialty personal lines insurance holding company. National General traces its roots to 1939, has a financial strength rating of A+ (Superior) from A.M. Best, and provides personal and commercial automobile, homeowners, umbrella, recreational vehicle, motorcycle, lender-placed, supplemental health, and other niche insurance products.
National General Accident & Health, a division of NGHC, is focused on providing supplemental and short-term coverage options to individuals, associations and groups. Products are underwritten by National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987), and Integon Indemnity Corporation (incorporated in 1946). These three companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation have been rated as A+ (Superior) by A.M. Best. Each underwriting company is financially responsible for its respective products.