Pro Health Voluntary Insurance Benefits
for MHS Employees & Family
Short Term Disability for
Life Insurance for Employee &
Long Term Care Insurance for Employee,
Spouse & Parents
IMPORTANT NOTICE FOR NEW EMPLOYEES
YOU HAVE A SPECIAL 60-DAY OPEN ENROLLMENT PERIOD TO APPLY FOR THE
ALLSTATE and LIFE SECURE INSURANCE PLANS.
(Even if you or your spouse have certain pre-existing conditions.)
MHS CARES ABOUT YOU
Memorial Healthcare System believes in providing their employees with quality voluntary insurance options that can help protect you and your family during a time of illness or injuries, a premature death or a condition that causes a person to need long term care.
Pro Health USA has been offering voluntary insurance plans to MHS employees and families for over 25 years. Million of dollars in claims have been paid to MHS employees and family members.
Memorial Healthcare System is the largest public hospital in USA that is insured by Allstate Benefits and Life Secure Insurance Company, a subsidiary of Blue Cross/Blue Shield of Michigan. Are you in good hands…. you can be!
MHS Approved Allstate Products
Allstate makes available to MHS employees insurance coverage up to $150,00 face amount on a limited underwriting basis and up to $5,000,000 face amount on normal underwriting. Contact your Pro Health representative. Both Universal Life and Term Life Insurance are available.
Short Term Disability Insurance
Pro Health’s Short-term Disability benefits can start accruing as short as 7 days and pay as long as 6 months per claim. Benefits are paid directly to you tax free. Coverage is available for up to $5,000 per month. (Memorial’s long term disability insurance does not start until you have been out of work for several months. Many people, even those seriously disabled, are able to return to work in less than 6 months but may not be eligible for long term disability benefits.)
Critical Illness Life Insurance Rider
A $10,000 benefit is available as a rider to the Allstate Life Insurance Policy. When you add the critical illness rider to you policy, you will be eligible to receive a $10,000 lump sum benefit in the event you suffer from a serious illness, including heart attack, stroke, end stage renal failure, organ transplant, paralysis, and cancer.
MHS Approved Long Term Care Insurance Plans
Long term care insurance provides a benefit up to $10,000 per month to pay for health care in your home, care in an assisted living facility or care in a nursing home due to a serious illness, injury or cognitive impairment.
Group Health insurance may not cover extended home health care. Medicare provides very limited benefits and Medicaid will only pay after your assets are used to pay first and then Medicaid decides where to place a person.
Long term care insurance can protect your savings, investments and home from the devastating cost of long term care plus insure you a choice of quality care! Life Secure offers a 30% premium discount for joint enrollment of employee and spouse and the insurance premiums may be tax deductible (talk to your accountant).
YOUR PRO HEALTH REPRESENTATIVE IS LOCATED
IN THE CAFETERIA AT EACH HOSPITAL
MHS LOCATION Your Pro Health Representative On-site
Memorial Regional – Monday, Wednesday, Friday 6am-2pm
Memorial West – Tuesday & Wednesday 6am-2pm
Memorial Miramar – Wednesday 11am-2pm
Memorial Pembroke – Thursday 11am-2pm
Memorial South – Tuesday & Thursday 11am-2pm
MSS – Tuesday 11am-2pm
To check for availability at your location, call 305.972.7347