seCUREme

Catastrophic Coverage

As a business owner, you may have already, or are considering implementing a Cost Plus Plan for yourself or a Health Spending Account Plan for your employees.

However, how would you ensure the continued operation of your business in the event you encounter an unforeseen health issue that goes beyond the coverage of your Cost Plus plan? Or, how would an employee be able to financially face the daunting health costs for themselves or their family beyond their Health Spending Account?

A heart attack or serious illness commonly results in costly long term prescription medications – so costly that you may even be faced with the prospect of selling your business to cover these costs.

To avoid this risk, some business owners have acquired very costly stand alone Health and Dental Plans that provide them with Drug coverage. Until now, that was really the only way to address this critical need while enjoying the benefits of a Cost Plus Plan or Health Spending Account.

seCUREme Catastrophic, from Health Risk Services, provides this much needed health insurance coverage in conjunction with your existing Cost Plus or Health Spending Account Plan.

It covers a wide range of health services, from emergency ambulance services and hospital stays, to dental, paramedicals, hearing, and various other health needs. It even includes travel insurance whether on business or pleasure.

Most importantly, it covers the cost of long term prescription drugs – often the hidden financial risk of health issues.

seCUREme Catastrophic functions as comprehensive health insurance with the deductible amount payable through the existing Cost Plus or Health Spending Account Plan.

Until now, there was NO true catastrophic coverage plan that could be attached to a Cost Plus program. Now there is.

seCUREme provides catastrophic coverage and financial security with added benefits, convenience and lower premium costs. And you can purchase this same valuable coverage for your employees OR give them the opportunity to purchase seCUREme Catastrophic through their Health Spending Accounts.

seCUREme products are Proprietary and only available from Health Risk Services. In addition, Health Risk acts as the administrator for seCUREme products as well as the adjudicator for seCUREme claims – guaranteeing fast and efficient service.

seCUREme Catastrophic: a wonderful way to protect yourself, your employees, and your business. Contact Health Risk Services or your Benefits Broker today and see how seCUREme can work for you.