Term Life with Living Benefits
Health Insurance Carrier:
These are term life insurance plans that include living benefits. This means that they will pay you a lump sum for chronic, critical, and terminal illnesses like cancer, heart attack or stroke. Depending on your diagnosis, you can get up to 90% of the death benefit while you're still alive to help pay for medical bills, rent/mortgage or a long term care facility. Term life insurance plans are fully underwritten based on age, health and non-tobacco use.
Snapshot of benefits
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this vision plan. To learn what each of the below terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay before deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
See Full SBC
See Full SBC
See Full SBC
Vision plans may include additional benefits like discounts on second pair of glasses, lasik correction, and upgrading your lenses. See the full summary of benefits to see what is included in your vision plan.
**Glasses and Contact Benefit
Most vision plans include an allowance for glasses or contacts. The allowance can only be used on one benefit in a 12 month period.
***Out of Network Limitations
Some vision plans offer out of network coverage. This is a great benefit because you can visit any provider in the nation. Which means that you can visit a vision provider for the service you need right away and have a portion of your bill covered by your vision insurance. Your out of network benefit may be less than if you see an in network provider. For the best rates and full benefits, see an in-network provider.
Frequently Asked Questions
How do I get my ID card?
You'll receive your ID cards in the mail about two weeks after you sign up for this plan. Be on the lookout in your mail box for an envelope with the company's logo on it. You can also download and get a digital copy of your ID card in the member portal. Visit the website below or download the member portal app on your phone. If you need to see a provider before your ID cards arrive in the mail, your dental office will be able to look up your plan with your name and birthday. You can also call or text our office and we will help get you the right information.
Is your vision provider in network?
Here you can search on the provider's website to see if your preferred provider is in network. Some vision plans include out of network coverage so you can visit any provider for services. But your benefits may be lower than if you see an in-network provider. Have questions or need help searching for the right provider? Please feel free to reach out to your agent. We're happy to help with this for free.
Currently Enrolled with this plan? Log into your portal.
Below is the link to log into your client portal. Most companies have an app you can also download onto your phone. The best place to view information about your health insurance is through the member portal. The member portal gives you easy access to your plan details, claims information, deductible and out-of-pocket details, ID cards, and more. You can update your payment information in the member portal, too. Simply set up an account and login by clicking the member portal link below. If you have any issues logging in, just give us a call and we can help.
Premium payments is the monthly amount you pay for your health insurance plan. It is usually due on the 1st or 15th of each month. The initial premium, or binder payment, needs to be made before your plan starts. Be sure to watch your account to make sure the premium has been debited. Most carriers accept bank accounts, debit cards and credit cards as payment. If you need to update your account, you can log into your portal or call our office for help.
Deductible? Copays? Coinsurance? What does it mean?
Learn the basic terms about health insurance to better understand your plan. Don't worry, most people don't know what these terms mean and how they apply to your plan. That's why we're here. Please contact us if we missed any terms or if you'd rather talk to us instead of read.
Learn more about this plan
Find out if you qualify for subsidies (lower monthly premiums). Most families do qualify for lower premiums. Get a quote for you and your family or book an appointment with a local Utah health insurance agent. You can book a phone, virtual or office appointment.
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!