Kelly, Jeremy and their two children have a family health insurance plan that costs them $1,070 a month, and it has a $9,000 deductible.
One evening their youngest daughter broke her wrist falling off her bicycle. After arriving at the emergency room, she had an X-ray, saw the ER doctor and had her wrist placed in a cast. Total cost? More than $6,000. If they didn’t have enhanced benefits through HealthValues, the family would have paid the final bill completely out-of-pocket since their insurance deductible was so high.
But because their HealthValues membership offers them access to supplemental health coverage that pays for unexpected accidents, they were reimbursed $5,000, leaving them with only $1,000 of the bill.