United Security Life And Health Insurance Company Provides Tips On Affordable Ways Consumers Can Enhance Their High …

United Security Life and Health Insurance Company (USL&H) defines how adding ancillary insurance coverage can help fill a gap and complement the major medical plan by providing additional coverage for policies that have high deductibles.

Bedford Park, Illinois (PRWEB) December 17, 2012

United Security Life and Health Insurance Company[1] (USL&H) defines how adding ancillary insurance[2] coverage can help fill a gap and complement the major medical plan by providing additional coverage for policies that have high deductibles. Ancillary insurance coverage can protect the insured and their loved ones from extreme financial hardship.

A well thought out ancillary package can help direct some of the premium dollars being saved with a high deductible health plan improve the overall quality of a benefit package, shared Sandra Horn[3], President, USL&H.    The advantage of these programs is that the consumer can use the savings from choosing a less expensive health insurance plan to buy an ancillary product that fits their needs. USL&H has done a very good job at simplifying the management of these packages, Horn concluded.

Many ancillary products such accident hospital indemnity and, dental, vision and hearing coverage do not require underwriting. As long as the applicant completes the application and make monthly payments they will receive coverage. Consumers are buying ancillary products because they provide first dollar coverage in a world where many people have high deductibles.

Horn outlines several beneficial ancillary products:

1.    Dental Plus Vision and Hearing Despite dental being the third most requested benefit in America, according to the National Association of Dental Plans, a growing segment of the market place have no coverage or are significantly underinsured. USL&H designed our Dental Plus Vision and Hearing policy with a low $50 policy year deductible. The plan provides up to $1200 benefit per policy year for dental, vision and hearing services. This product is available as a stand along policy but it qualifies for a 15% customer discount if purchased in conjunction with a major medical policy.

2.    Accident Hospital Indemnity Insurance Every year, there are about 119.2 million visits to a hospital emergency room for accidental injuries. Emergency room treatments, and hospital stays, can quickly add up to thousands of dollars in out of pocket expenses, especially for high deductible major medical plans. The typical Accident Hospital Indemnity Insurance plan will pay the insured if they go to the emergency room or are admitted to the hospital due to an accident. For example USL&H will pay the insured: $200 per day for up to 90 days if they are admitted to the hospital due to an accident, an additional $200 per day for up to 30 days if accident related hospitalization require a burn unit or intensive care and $150 per visit if the insured requires emergency treatment from an accident without an overnight stay.

3.    Critical Illness – This product is especially valuable because it provides a set financial benefit if the insured is diagnosed with a catastrophic illness. For example, USL&Hs Critical Illness plan pays benefits when a policyholder is diagnosed with any of the following dreaded diseases: cancer, heart attack, stroke, and kidney failure and organ transplant. The full benefit is paid out upon diagnosis, with no restrictions on how the money is to be used. For an additional premium, applicants can choose the Extended Plan, which expands the coverage above to include paralysis, severe burns, and loss of sight, speech and hearing. In some states, a Return of Premium Option is also available.

4.    Short Term Disability According to the Council for Disability Awareness, 30% of employees across America will experience a disability before they retire. Everyone should ask themselves what they would do if they were to become disabled tomorrow and could not work for two or three months. Would they have enough savings to cover living expenses? Short term disability form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

About United Security Life and Health Insurance Company:

USL&H is a regional insurance carrier that offers a variety of Health and Life insurance products, as well as Disability Income, Critical Illness, Cancer, Accident Hospital Indemnity, and a Dental Plus Vision and Hearing product to individuals and families. Founded in 1973, USL&H is licensed to sell its products in Arizona, Arkansas, Illinois, Indiana and Missouri and Nebraska through a network of independent insurance agents. For more information on United Security Life and Health Insurance Company please visit the companys website at http://www.uslandh.com[4].

Linda Gardner United Security Life and Health Insurance Company 708-638-9579 Email Information[5]


  1. ^ United Security Life and Health Insurance Company (www.uslandh.com)
  2. ^ United Security Life and Health Insurance Company (www.uslandh.com)
  3. ^ United Security Life and Health Insurance Company (www.uslandh.com)
  4. ^ http://www.uslandh.com (www.uslandh.com)
  5. ^ Email Information (www.prweb.com)

Original Story Here


Sole Source TIPS Cuticle Conditioner – Liquid Filled Cotton Swabs (Misc.) tagged “health tips” 8 times

Mon, 7 Jun 2010 04:18:28 GMT Sole Source TIPS Cuticle Conditioner - Liquid Filled Cotton Swabs Sole Source TIPS Cuticle Conditioner – Liquid Filled Cotton Swabs (Misc.)By Sole Source Click for more info Customer tags: cuticle care(8), health(8), cuticle(8), cuticle conditioner(8), health tips(8), beauty tips(8), beauty favorites(8), b003o1x4yq http://www.amazon.com/Sole-Source-TIPS-Cuticle-Conditioner/dp/B003NSETFI/ref=tag_rso_rs_edpp_url?ie=UTF8&creative=381421&tag=thedays-20

Healthy Living (Fit to 100: Secrets to Health and Longevity) (Kindle Edition) tagged “health tips” 8 times

Thu, 23 Aug 2012 19:22:02 GMT Healthy Living (Fit to 100: Secrets to Health and Longevity) Healthy Living (Fit to 100: Secrets to Health and Longevity) (Kindle Edition)By C.D. Shelton Buy new: $0.99 Customer Rating: 4.2 Customer tags: long life(8), healthy living(8), health tips(8), live long(8), health and wellness(7), longevity(7), live longer(7), healthy lifestyle(7), health(7), health and fitness(7), healthy aging(7) http://www.amazon.com/Healthy-Living-Fit-100-ebook/dp/B007DCBIQ8/ref=tag_rso_rs_edpp_url?ie=UTF8&creative=381421&tag=thedays-20

Health Tips: 20 Healthy Habits To Adopt Before You Turn 20

Your teenage years are often when you're at your healthiest: You're young, probably haven't experienced a big health scare yet, and any unhealthy habits may not taken a toll on your body. But that doesn't mean that you … http://www.huffingtonpost.com/2012/12/08/health-tips-20-healthy-ha_n_2258099.html

Health Tips for Lazy People! | Sparkling Bingo Blog

stay healthy There is this never ending list on what to do to keep your body fit. Exercise, eat this and that but the problem is, what to do if you are lazy! So here are some simple tips for all you lazy bums sitting there. http://www.sparklingbingoblog.com/2012/12/17/health-tips-for-lazy-people-0218/

The Miracle of Apple Cider Vinegar: Practical Tips for Health, Home, & Beauty…

2012-12-14T18:08:26.000Z $2.99
End Date: Friday Dec-21-2012 10:08:26 PST
Buy It Now for only: $2.99
Buy It Now | Add to watch list

Merits Health W124-4 Deluxe Folding Walker, Two Button w/ 5″ Wheels & Glide Tip

2012-12-12T20:16:44.000Z $3.58 (2 Bids)
End Date: Wednesday Dec-19-2012 12:16:44 PST
Bid now | Add to watch list

You May Also Like These Topics...
four boy playing ball on green grass

Health & Vitality: the Way to Good Health

Start living a healthy life now: Here is your 7-day plan ==> Having sworn to yourself that you’ll go to the gym in the morning, how many times have you changed your mind after you woke up and did not feel like working out? We all have days when we lose our motivation to get […]

Science-based Suggestions for self-confidence

A recent study shows your perception of your own image has a profound effect on how you present yourself to the rest of the world. Those findings could be empowering since even small changes to your self-care routine can significantly boost your self-confidence. The study by researchers at the Stanford Graduate School of Business found […]

5 ways to feel good while getting fit

(BPT) – Setting intentions is a powerful thing. Then when you have that shiny new gym membership in hand, you feel like nothing stands between you and your goals to get in shape once and for all. Trouble is, lack of motivation, unpreparedness and busy schedules have a way of interfering with our plans. If […]

When buying hearing aids: 6 essential things to know

(BPT) – Being an informed health care consumer is hard work. There is information everywhere. But how do you sift through it and make sense of it all? And how do you know what is reliable and what isn’t? Sorting through the noise when buying hearing aids is no exception. In the past several months, […]

Tags: , , , , , , , , , , , , , , , , , , ,
Previous Post
Cycling Healthy Lifestyle Running Walking & Hikiing

Is It Really That Expensive To Lead A Healthy Lifestyle?

Next Post
Zumba Sentao
Cycling Strength Training Yoga

Workout Of The Week: Zumba Sentao


  1. Informative articles can make for long drawn out reading, but you have made yours interesting. This is very good informational content with many great points of interest. I like it. Keep up the great writing.

Leave a Reply