CRITICAL ILLNESS
INSURANCE

Critical illness insurance protects families and individuals from the catastrophic out-of-pocket expenses that can occur with a major illness. If one does occur, these plans provide predefined cash benefits to cover expenses.

Critical illness plans can help members who struggle with high deductibles. Likewise, they support those who are priced out of traditional insurance. Finally, they may be the extra protection an individual needs when there's a family history of a certain condition.

To provide real value for these families, these plans must be affordable.

At Nations Health Administrators, we've partnered with industry-leading carriers to create competitively-priced healthcare products. We are an exclusive administrator for The Health Depot Association as well as Affiliated Workers Association. This allows us to provide group rates to your members who are eligible to join.

The majority of our plans are guaranteed issue, but we also have standard issue options. You'll find options in 28 states across the U.S. The level of coverage, cash benefit amount, and any exclusions will vary, depending on the plan and member's location.

For those with a major medical illness, critical illness insurance can protect their family's financial health. But, beyond this product, Nations Health Administrators also offers value-added benefits that can vastly reduce other out-of-pocket costs.

Our non-insured benefits include access to:

• Telemedicine services so members can get medical help on their time and in the comfort of their home
• Patient and medical advocacy programs to ensure they're getting the care they need for their illness and have the information they need to make difficult decisions
• Discount prescription services, as well as direct-to-consumer laboratory services
• And more

We also have a wide range of health products beyond critical illness insurance. Together, these make our programs even more well-rounded and helpful for your members. You can create customized healthcare packages that also include insured products like:

• Short term health insurance
• Accident insurance
• Term life insurance
• Indemnity insurance

We do our research when finding new partners or carriers, and look to partner with the best. Learn more about our other products by clicking below.

Getting your members the health insurance they need is only the first step. Managing it long-term can be a major drain on your otherwise limited time and resources. At Nations Health Administrators, we can help.

We offer end-to-end benefit services that start at enrollment. Your members will first receive a welcome email, with instructions for logging into our secure online portal. A welcome letter and official ID cards come in the mail a few days later.

From there, we maintain reliable and secure contact with your members. Our customer service team is available by phone Monday through Thursday, 8 AM to 5 PM and Fridays to 4 PM Central Time. Our online member portal is always available 24/7.

On the member portal, your members can:

• Review their account and billing information
• Print membership guides and temporary ID cards
• Learn more about their membership benefits
• Get information on additional non-insured services, like discount programs and telemedicine
• Make safe and secure premium payments, with credit card or ACH bank draft
• Receive updates about their membership or new product options your organization offers

We also send your members periodic association-branded nurture campaigns. These detail new programs, discounts, or services they may benefit from.

Everything we do is not just legally compliant, but also ethically responsible. From our billing and collections service to robust member education materials, we ensure your members get honest and clear answers to all of their questions.

We also focus on constant technology improvements throughout our business.

Any payment or member portals employ the latest security and privacy standards. We also use robust reporting and analytics programs to share detailed reports with your organization. These clearly show the effects of our work on your membership base over time, as well as your bottom line.

Providing administrative services is just one part of what we do at Nations Health Administrators. We also cultivate long-lasting and robust partnerships with our network of agencies and independent agents.

Agents are on the front lines, answering healthcare questions and providing life-changing options to the people who need it most.

We know that you need healthcare plans that are robust, yet flexible. You also need customizable solutions at affordable rates. At Nations Health Administrators, we craft a full portfolio of competitively priced healthcare products to support the work you do. You can also connect directly to our carrier partners.

Further, we provide agency back-office services like:

• Full-service commission management
• Agent training and licensing
• Custom branded materials for your educational and marketing efforts
• Member fulfillment, enrollment, and billing support

We'll also match you with a dedicated customer service representative. This representative will work closely with you, ensuring you have the support and information you need.