Consumers

C O N S U M E R S

North American Health Plans is a unique and innovative health plan that provides comprehensive coverage at 30% to 50% less than traditional Obamacare plans and the freedom to see any doctor, any hospital, anywhere.  NAHP is provided exclusively by North American Life Plans, a national independent insurance marketing organization.  Together, NAHP and NALP provide agents and consumers solutions to the health care dilemma.

WHAT IS A FIXED BENEFIT HEALTH PLAN?

A fixed benefit health plan provides coverage for in-patient hospital, out-patient surgical, skilled nursing, doctor visits, x-ray labs, prescription drugs, and much more. While you can use any doctor or hospital you choose without penalty, you have the option of accessing the PHCS Multiplan Network to take advantage of great savings at no additional costs.

WHAT IS CRITICAL ILLNESS?

Thanks to medical advances more and more people are surviving major catastrophic medical issues such as cancer, heart attack, and stroke. Unfortunately, it places a tremendous financial strain on the family. Critical Illness (CI) coverage protects your financial security and provides benefits for things like deductibles, prescriptions, rehabilitation, treatments not covered by existing insurance, your bills, your expenses, and lost wages.

WHAT IS ACCIDENT PROTECTION?

Accidents happen when you least expect them— at home, at work, while playing or traveling. Accident coverage provides protection when you need it most but are expecting it the least. Also included is disability coverage to help provide a critical income until you can get back on your feet.

WHY DO I NEED DENTAL/VISION/HEARING COVERAGE?

Dental insurance is not just important to help you look good, it’s also important for good health. Regular cleanings are also essential to your physical health and quality of life. With Dental/Vision/Hearing plans priced lower than ever before, everyone can afford coverage.

WHAT IS MINIMUM ESSENTIAL COVERAGE (MEC)?

Minimum Essential Coverage (MEC) includes preventive and wellness services covered at 100% with no deductible, no co-pay, and no out-of-pocket costs. It provides access to important medical screenings, vaccines, counseling, and more to help you stay healthy. The MEC plan we offer is penalty proof, protecting you from taxation penalties under the Individual Mandate of the Affordable Care Act.

WHY DO I NEED PRESCRIPTION DRUG COVERAGE?

Prescription Drugs are the fastest growing costs in health care. Our Prescription Drug plan provides you with unparalleled control to customize coverage that’s right for you.

WHAT INSURANCE COMPANIES ARE INVOLVED?

North American Health Plans offers a suite of best in class products from insurance companies such as Philadelphia American, Manhattan Life, Combined Insurance, Providence Insurance, and Envision Rx.

O T H E R   P R O D U C T S

Disability Income

Disability Income is a form of insurance that insures the beneficiary’s earned income against the risk that disability will make working (and therefore earning) impossible.

Hospital Indemnity

A hospital Indemnity plan pays a cash benefit directly to the policyholder to cover expenses associated with hospital confinement, ambulance trips, durable medical equipment, etc.

Long-Term Care

Long-term care insurance helps protect retirement assets from the high cost of services should a long-term care need arise. Most policies provide coverage in a variety of settings and can be tailored to meet individual needs and budgets.

Short-Term Care Insurance

Short-term care insurance is made for when your client finds themselves in a difficult time, whether in a nursing home, assisted living, or home care. It allows time for planning and making critical financial decisions between the incident and long-term care, if necessary.

Medicare Advantage

We have a number of Medicare Advantage plans that we work with, and can help you determine which products are best in your local area.

Medicare Prescription Drug coverage (Part D)

Prescription drugs are the fastest growing costs in health care. Medicare Prescription Drug Plans provide you with great coverage at a price you can afford.

Medicare Supplement

Medicare Supplement Plans cover the gaps, deductibles, and co-payments of Original Medicare. It provides you with peace of mind, knowing that your costs will be near zero at the doctor or in the hospital.

Life Insurance

Life Insurance is a way to leave money behind for the people who depend on you for financial support. Funds can be used to pay for funeral costs, meet living expenses, or pay off any debts.

*Not all carriers/products available in all states. Please contact us for availability in your state.

For more information about life, annuity, and ancillary products, please visit our NALP site.

 

Q & A

MANHATTAN LIFE

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PALIC

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