Edmond Consulting Group LLC
Edmond Consulting Group LLC

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Edmond Consulting Group LLC

PO Box 1294

PALMETTO, GA 30268

 

 

Or you can reach us at 

(803) 716-9901

 

You can also use our contact form

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Accident Insurance

Accidents happen when you least expect them. Every day we are exposed to situations that could result in an accident. Each year, millions of people are injured and survive. In fact, more than 3 million people are hospitalized, and 27 million people are treated in emergency departments and released.1 Even with health insurance, the extra costs from an accidental injury can really add up and may leave you in a financial hole.

Consider the affect a common accident may have on your financial picture. Could you afford thousands in out-of-pocket medical costs? What if you didn’t have a primary health insurance plan? Because you never know when you or someone in your family could get hurt in an accident, an accident insurance policy is a helpful and sensible precaution.

What does accident insurance cover?

Injuries:

  • Burns
  • Concussions
  • Dislocations
  • Fractures
  • Lacerations

Services:

  • Ambulance
  • Hospital Emergency Room
  • Physical Therapy
  • Urgent Care Center

Hospitalization Insurance

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, can help you prepare your budget for unexpected medical costs resulting from a hospital stay.

Why should I purchase hospital insurance?

On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:

  • You don’t have to meet a deductible to receive your benefits
  • No networks - payment amounts are the same regardless of whether you are in-network1 or out-of-network
  • Benefit payments are yours to use as you decide
  • Coverage is available for the entire family
  • Coverage is renewable until age 65

Critical Illness Insurance

What is critical illness insurance?

Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.

Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.

A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work. That’s when a Critical Illness plan can come into play.

Advantages of a critical illness plan


Tax-advantaged, cash benefit1


Flexibility to allocate money as needed


Simple application of questions with yes or no answers


Various maximum lifetime benefit amounts from $10,000-$50,000

How it works - the scenario


1. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen


2. Several months later the policyholder is diagnosed with an eligible condition


3. Critical Illness insurance pays $30,000 to the policyholder as rehab continues


4. Policyholder has an emergency fund to cover financial obligations during recovery

What's covered?

  • Heart attack
  • Life-threatening cancer3
  • Loss of hearing
  • Loss of speech
  • Loss of vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke
  • Carcinoma in situ
  • Coronary artery bypass graft

Cash benefit to use as you see fit

  • Mortgage or rent payments
  • Groceries
  • Out-of-pocket medical costs
  • Prescriptions
  • Treatment by a specialist
  • Transportation to and from treatment

How much coverage do I need?

The American Association for Critical Illness Insurance recommends to have enough coverage to make your mortgage payment for 2 years.

Hospital and Doctor Insurance

Fixed indemnity plans

Hospital and doctor fixed indemnity insurance is also often called fixed-benefit insurance or fee for service insurance. That’s because this type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.

Unexpected medical bills can disrupt even the healthiest home budgets.

What is indemnity insurance?

A fixed indemnity is much different than a major medical insurance plan. 

A regular major medical health insurance plan pays for all or a percentage of covered expenses after you meet a deductible, pay a copay or reach a certain amount of out-of-pocket costs. Put simply, for qualified expenses, in most cases, you pay first, and then your insurance company covers the rest.

A fixed indemnity plan offers limited benefits and is meant to supplement a more traditional health insurance plan. Indemnity insurance essentially flips how you are paid when compared to major medical insurance. You are paid a predetermined amount for certain health care expenses you have incurred, and then you are on your own for the rest.


Apply benefit payments toward your other health plan's deductible


Get cash to help meet prescription drug copays


Help pay your share of lab or diagnostic costs, like for blood tests or X-rays


Have money for those unforeseen expenses surrounding a planned or an unplanned surgery

How do I use my indemnity insurance?

It’s simple. Just attach a receipt for a qualified expense to a completed claim form and submit it. You get paid cash in the amount specified in your plan for that service.


1. Receive care for a qualified medical expense


2. Submit your receipt and your completed claim form


3. Receive a check to use any way you see fit

 

Short Term Recovery Care Insurance

 

  • Issue Age 18-79
  • Elimination Period Choose 0, 15 or 30 days 
  • Daily Benefit Amount Options $100 - $300 in $10 increments Pays actual charge up to the selected daily benefit amount 
  • Lifetime Maximum Benefit Period Options 120, 240 or 360 days 
  • One-Time Restoration of Lifetime Maximum Benefit Period 
  • Bed Reservation Benefit
  • Save 10% with a Household Discount 

For more information please click here

 

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