Why do you need health coverage?

Millions of Americans go without health coverage every year, which can be a very risky decision - especially in the case of a sudden medical illness or injury. Going without health coverage can quickly become a risk that doesn't need to be taken. You and your family's health is important and a lack of health coverage can be a financial and emotional strain. Even with a standard medical plan, out-of-pocket expenses (including co-payments, cost shares, and pharmaceutical costs) can add-up quickly and become a financial burden. However, AFBA is here for you with short-term medical plans, college student coverage, and long-term care plans. Affordable piece of mind is here for you now and in your future.

What types of health coverage is best for your needs?

Short-Term Medical Coverage

Short-term medical plans provide major medical coverage for a temporary period of time; typically for a 30 to 365 day period, depending on plans available in your state. Even if you have a short break between your regular coverage, a short-term medical plan offers protection when you need it most.

AFBA offers Short Term Medical coverage through Assurant Health at the right amount of coverage for you. These is no HMO or PPO, and plans are less expensive than COBRA plans.

Short Term Medical is perfect for those:

• In between jobs or on strike
• Temporary or seasonal employee
• Looking for a more affordable choice than a COBRA plan
• Waiting for new employee sponsored health plan to begin
• No longer covered under his/her parent's health plan

Student Health Coverage

While attending college full-time, whether as an or graduate student, health coverage can seem like an unnecessary expense; however, many universities are now requiring students to have some sort of health coverage. Many will leave the choice up to their school-sponsored plan, when in fact those plans can be an extreme cost and often not suitable for a healthy student's needs.

Student Select, offered by Assurant Health, through AFBA is permanent, renewable individual health plan that is more affordable than the school-sponsored plan and is designed specifically for college students under the age of 30 looking for major medical coverage. Student Select may be a better choice for your financial and overall health coverage needs.

Student Select is perfect students that are:

• Healthy, single full-time college students
• Either undergraduate or graduate students
• Looking for major medical coverage

Long Term Care Plans

As healthy adults, it's hard to imagine a chronic illness ever striking, causing the need for permanent, individual medical assistance for the daily activities we perform in our lives. In the case of a health condition or illness that causes cognitive or physical impairment, a long-term care plan would allow for assisted-living facility, home health care, nursing home requirements, and much more.

Having a Long Term Care plan provides you and your family with piece of mind and financial security that you will receive the right care in times of need. A chronic condition or permanent injury could happen in any one's future and even the most stringent of savings cannot always afford the care that is needed.

While planning for you and your family's future, let AFBA help. Through John Hancock Insurance, AFBA now offers Long Term Care plans to ensure you future medical needs will be met.

Long Term Care plans are ideal for:

• Individuals who have assets to protect in the chance of a health tragedy (Medicaid will only pay beneficiary if insolvent).
• If you are already planning for your future financial needs and your health is not currently a factor - plans should be chosen before it could become too late for coverage.

Customer Service

If you need more information regarding any AFBA health plan products, please e-mail or call toll-free at: 1-800-776-2322