Additional Benefits

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

Provider:
Lincoln
877-275-5462
https://www.lincolnfinancial.com

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

Provider:
Lincoln
877-275-5462
https://www.lincolnfinancial.com

You have the option to purchase hospital indemnity insurance, which pays you benefits while you are confined to a hospital. This type of coverage is helpful because it covers your out-of-pocket expenses not covered by your medical plan.

Provider:
Lincoln
877-275-5462
https://www.lincolnfinancial.com

Life can throw curveballs. Adult children move home. Jobs end. Divorce happens. Knowing more about individual healthcare options can help you make good decisions. Miller Milestones is at your service. Are you hitting any of these milestones?

• Adult children turning 26
• Baby boomers turning 65
• New baby
• COBRA-eligible
• Needing short-term coverage

If you are looking for individual healthcare coverage, or just want to understand your options, call our experts:

• Medicare: Sam George, (913) 404-8990;
• Individual Coverage: Grant George, (913) 404-8990.

Coinsurance
The percentage of total costs you pay out-of-pocket for covered expenses after you meet the deductible.

Copay (Copayment)
The set fee you have to pay out-of-pocket for certain services, such as a doctor’s office visit or prescription drug.

Deductible
The amount you pay out-of-pocket before the health plan will start to pay its share of covered expenses.

Network
The doctors, pharmacists, and/or other health care providers who make up the plan’s preferred providers. When you use preferred providers, you pay less because they have agreed to prenegotiated pricing. Also called in-network.

If you pick an out-of-network provider, your costs will be higher because you will not receive the discounts the innetwork providers offer.

Out-of-Pocket Maximum
The most you pay each year out-of-pocket for covered expenses. Once you have reached the out-ofpocket maximum, the health plan pays 100% for covered expenses.

Employee Contribution
The amount you pay for your insurance coverage.

Preventative Care Services
Visits, treatments, etc. you receive to help you stay healthy (rather than when you are sick or injured). Preventative care services include annual physicals, wellness screenings, and well-baby care.

Explanation of Benefits (EOB)
A statement from the insurance company showing how claims were processed. The EOB tells you what portion of the claim was paid to the healthcare provider and what portion of the payment, if any, you are responsible for.

Summary of Benefits and Coverage (SBC)
Mandated by health care reform, your insurance carrier or plan sponsor will provide you with a clear and easy to follow summary of your benefits and plan coverage.

Over the Counter (OTC) Medications
Medications made available without a prescription.