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Augeo Benefits provides multi-leveled health benefits solutions available in all 50 states with individualized enrollment capabilities. The benefit offerings are customized for each individual’s needs and budget. Products include Major Medical, Limited Medical (Mini-Med), Dental Insurance, Accident Insurance, Critical Illness and Term Life Insurance.

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Augeo Benefits Supplemental Health Insurance

Affordable Supplemental Health Insurance

Supplemental insurance is additional cost insurance that can help with life’s unexpected moments. It is not a replacement for regular health insurance. If you want assistance with out-of-pocket medical expenses, there are many different types of supplemental insurance that may be able to help. These various coverage options can fit your health needs and financial situation.

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Different Types of Supplemental Health Insurance?

Discover the different kinds of the supplemental insurance that can compliment your major health insurance:

Short Term Insurance

A Great Option For Those In Need Of Temporary Health Coverage

Short term health insurance is a flexible option for individuals and families who need temporary coverage. Plans can range anywhere from 1 to 11 months. The coverage provided from a short term health insurance plan is meant to help bridge the gap for those without coverage until they are able to enroll in a long-term, major medical plan. A short term plan can often be dropped at any time without a penalty.

  • A person between jobs
  • A young adult no longer covered under a parent's insurance plan
  • An early retiree
  • Waiting for other coverage to begin
  • Missed open enrollment for major medical insurance
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Short-Term Medical Plans from $30.60/month*

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Short-Term Medical Plans from $83.10/Month*

Short-Term Medical plans DO NOT meet the standards of “defined minimum essential coverage” under the Affordable Care Act. With a few exceptions, all U.S. citizens will be required to purchase “minimum essential coverage” or face paying a government fine in 2016. To determine the steps needed to purchase defined minimum essential coverage, please call to speak with a licensed benefits counselor at Augeo.

Dental Insurance

Don't put off that trip to the dentist any longer. Dental health is often the most neglected part of one's overall health. SafeAuto and Augeo Benefits can help compare a range of dental insurance plans to help you find one that fits your needs.

For quotes in HI, NM, NY, RI, VT or WA:

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Accident Insurance

Serious injuries can happen at any time, whether you're playing soccer or cooking dinner. It doesn't matter how healthy you are, accidents affect us all. In fact, the most active individuals are often the most at risk.

Accidents occur more frequently than you might think. Each year, over 31 million people are treated in hospital emergency rooms for unintentional injuries. Accident insurance can help keep you keep you prepared for the unexpected.

What Does Accident Insurance Cover?

Even with excellent major medical coverage you will still likely have out-of-pocket expenses like deductibles and coinsurance. Accident insurance is meant to help ease those burdens. The cash benefit from this coverage is provided regardless of what other coverage you have. Some common situations that accident insurance can help cover include:

  • Injuries such as broken bones, concussions, and lacerations
  • Transport by ambulance
  • Inpatient surgery
  • Physical therapy

Accident Insurance Features

  • No network restrictions
  • No waiting period to use your benefits
  • No overall lifetime limits
  • Customizable based on budget and specific need

How Does Accident Coverage Work?

An accident policy reimburses you for a covered accident. You are reimbursed for the costs associated with a covered accident. This coverage is separate from any other health insurance you may be enrolled in.

Call A Specialist Today And Get A Free Quote

Critical Illness Insurance

Protect Yourself And Your Family From Unpredicted Illnesses And Accidents!

Short term health insurance is a flexible option for individuals and families who need temporary coverage. Plans can range anywhere from 1 to 11 months. The coverage provided from a short term health insurance plan is meant to help bridge the gap for those without coverage until they are able to enroll in a long-term, major medical plan. A short term plan can often be dropped at any time without a penalty.

  • Affordable coverage for the entire family
  • Benefits paid to you as soon as you are diagnosed! Use the money however you want.
  • Benefits help pay up to $100,000 of costs usually not covered by medical insurance or long-term disability coverage.
  • No medical exam necessary

How Does Critical Illness Insurance Work?

The Critical Illness Insurance pays a lump sum benefit upon initial diagnosis of a covered heart attack, stroke, or invasive cancer.

This plan does not coordinate with any other insurance coverage. Benefits are paid regardless of those received from other health insurance policies

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Life Insurance

We partnered with Augeo Benefits to offer a variety of life insurance plans at an affordable cost. Whether you are looking for a term or permanent life insurance policy, we can connect you with a benefits specialist for a free consultation so you find the right plan with the right level of coverage at the right price for you.

Term life insurance policies provide coverage for a set "term", which can be 10, 15, 20, 25, or 30 years. Coverage starts at $10,000, and, because the coverage only lasts a set period of time, these policies are usually cheaper and simpler than permanent life insurance policies. You can choose to renew after the term ends, but you will generally pay more for your next policy, and sometimes the cost for renewal is much higher.

Term life insurance policies can be a great choice to provide or increase your coverage during especially critical periods of your life:

Accident Insurance Features

  • Boost your life insurance coverage while raising a new child
  • Cover your family from any short-term or anticipated debts
  • Supplement an existing permanent life insurance

Permanent Life Insurance

Permanent life insurance does not expire (unlike term life insurance policies), providing lifetime protection and peace of mind. Permanent life insurance comes in several types:

  • Universal life insurance: offers flexibility in premiums, benefits, and savings elements of the policy.
  • Whole life insurance: offers consistent premiums and a guaranteed value accumulation.

A major advantage of permanent life insurance policies is the cash value they accumulate over the life of the policy, which can be borrowed from without a credit check and typically at a low interest rate.

Buying a permanent life insurance policy will give you lasting peace of mind and financial security for your loved ones:

  • Cover final expenses such as funeral costs and probate fees
  • Provide lifetime protection
  • Guarantee a lump-sum benefit is provided to your beneficiary
  • Cover debt and unexpected expenses such as doctor bills
  • Supplement retirement income
  • Create an estate using the advantages of life insurance
  • Allows for tax-favored cash accumulation

Call A Specialist Today And Get A Free Quote

Limited Medical Insurance

Limited medical plans, also referred to as hospital indemnity plans, are a type of supplemental coverage that helps cover the out-of-pocket expenses such as copays and coinsurance. With many major medical plans you are stuck with paying at least a percentage of the cost even after you meet your deductible. These expenses can easily add up into the thousands of dollars. The limited medical plans purchased with the help of Augeo's benefits counselors can help ease the financial burden. Based on the plan you select you will receive a fixed cash benefits to pay for the costs incurred by the treatment of illness or injury.

Find Out If A Hospital Indemnity Plan Is Right For You

Hospital Indemnity plans DO NOT meet the standards of “defined minimum essential coverage” under the Affordable Care Act. With a few exceptions, all U.S. citizens will be required to purchase “minimum essential coverage” or face paying a government fine in 2016. To determine the steps needed to purchase defined minimum essential coverage, please call to speak with one of our licensed benefits counselors.

Disability Insurance

Disability insurance helps replace a major portion of your income when you are sick or injured and unable to work. Some people think of it as “paycheck protection.” Others view it as a way to protect their home since a mortgage payment is often a family’s most significant monthly expense.

Having disability insurance can provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

If you think about it, everything you have today - your home, car, groceries, savings - basically your lifestyle, depends on your ability to earn an income. Most people are quick to insure their possessions, such as their home and car. And they generally have life insurance that would provide for their family. But the one thing that makes all this possible is – your income. It’s your most important asset. So, protecting it with disability insurance isn’t just a good decision – it’s essential.

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