Our Approach
RF Insurance Masters approach to Health Insurance and lowering your monthly premiums.
RF Insurance Masters believes that every ones needs are different when it comes to health insurance. There is not a one solution that fits every ones needs. Depending on where you are in life we work closely with our clients and listen to what they are having happening in their life. For example a new parent with a your child will definitely want an office visit copay, and maybe a college graduate will just want coverage for their yearly physical, or if you are approaching 65 you may have different needs and we work with you to suggest the best options for you. RF Insurance Masters cares about you and wants to make sure you find affordable options. Our goal is to make sure you understand your plan and it meets your family’s needs and budget. We are here for you anytime you should have a questions or issues with your plan.
We suggest some supplemental products that can work with your major medical plan to protect you out of pocket costs. Supplemental coverage’s can help you to consider higher deductible plans and can offer you savings on your monthly premium outlay. We have not found any single affordable plan that can offer you protection from paying the deductible anytime you have an issue.
Supplemental Accident Policy
We have found that including a supplemental accident plan can reduce your deductible for accidents to $100 or $250 depending on the plan that you select. These supplemental accident plans offer a way to lower your deductible more cost effectively than buying a major medical plan with a $100 or $250 deductible. Talk to us today about adding this to protect your family or review and apply below. This can work with individual or employer sponsored plans. Do not wait until you are in an accident to consider having protection for your family.
Supplemental Accident Plan From BMA Coverage per accident $100 deductible per accident | Individual Monthly Premium | Family Monthly Premium | Link to Policy Information and Application to Purchase |
|---|---|---|---|
$10,000 Coverage Per Accident | $42.95 | $47.95 | Value Plus 100 |
$7,500 Coverage Per Accident | $37.95 | $42.95 | Value Plus 75 |
$5,000 Coverage Per Accident | $32.95 | $37.95 | Value Plus 50 |
$2,500 Coverage Per Accident | $27.95 | $32.95 | Value Plus 25 |
Covers individual or entire family for the one low monthly payment.
Accidental Death and Dismemberment included with each plan.
Everyone who applies qualifies. Works in conjunction with other plans.
There are no health questions and no underwriting.
For detailed information or to apply for BMA Plans Supplemental Accident Plans click this link.
Critical Illness
We have Critical Illness Plans that can help cover out of pocket expenses in the event of a critical illness. Assurity has covered Critical Illnesses and Procedures such as- Hear Attack, Invasive Cancer, Heart Transplant, Stroke, Advanced Alzheimer’s Disease, Coma (not a result of Stroke), End-Stage Renal (Kidney) Failure, Major Burns, Major Organ Transplant, and Paralysis (not as a result of Stroke). This supplemental policy can offer benefits for people through age 75, issued ages 18 through 59-year old. Benefits can be selected from face values of $5,000 – $50,000. We usually try to match the amount of this plan to the deductable or the deductable and coinsurance amount to cover the out of pocket for those costs.
Sometimes three policies can be more affordable than just a major medical plan. We can show you our personalized approach for your particular situation; it is easy to start a free quote and we can evaluate your current coverage. Please fill out the Request A Quote or give us a call and we will work up a detailed quote on any of these plans individually or together.