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561. 614. 2400 www. appl ei ns ur anc e. c om
Dear Valued Member, Thank you for entrusting Apple Insurance with your Florida Blue Health Insurance for 2021! Whether you are a new or existing client with Apple Insurance, we appreciate your commitment. We put together this electronic reference guide for you to have the information you need right at your fingertips. As always, we are available to help anytime by calling our office, 561.614.2400. Our whole team works hard to provide the best possible service to all of our clients. We know how important your healthcare is to you, trust us when we say it is even more important to us. We hope you enjoy the Apple experience and love being a part of our family! Thank you, Jaime Silva – Your Agent jsilva@appleinsurance.com Rick Jultak – President rick@appleinsurance.com Sharon Zilberman – VP of Operations sharon@appleinsurance.com
IMPORTANT PHONE NUMBERS: Apple Insurance Main Line: 561-614-2400 AppleInsurance Fax Number: 561-614-2300 Under 65Member Services: 1-800-888-6758 Billing: 1-800-888-6758, Option 3 UsABLE Customer Service: 1-800-370-5856 FCL Dental: 888-223-4892 Care Centrix: 1-800-808-1902 Care Advocate: 888-476-2227 Apple Insurance Contacts: Jaime Silva - jsilva@appleinsurance.com VP of Operations- sharon@appleinsurance.com
ACCIDENT INSURANCE
Accidents are never part of the plan; that’s why you plan on USAble Life.
Live life. You’re covered.
Product highlights
An accident can be disruptive to daily life, both physically and financially. Whether you, your spouse, or your children suffer an injury from a sports activity or do something as simple as falling off a bike, accident coverage will ensure you and your family are prepared for the unexpected. With USAble Life’s Accident plan, you can enjoy the peace of mind knowing that you’re financially prepared.
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Pays cash directly to you
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Pays an accidental death benefit
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Can be used to cover medical and non-medical expenses
How it works
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Pays in addition to any other insurance you may have
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Available for individuals, spouses, and dependent children
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Wellness benefit included for covered preventive tests
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Policy is guaranteed renewable as long as premiums are paid on time
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Plan 2
For example, you purchase our (see outline of coverage) Accident policy and complete an annual wellness exam. Later that same year, an injury occurs. You fall off a ladder and suffer a fractured elbow and internal injuries. In addition to what your major medical insurance pays, USAble Life’s Accident plan pays:
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$75 for a wellness benefit $300 for ambulance transportation $200 for Emergency Room treatment $930 for a fractured elbow $1,260 for internal injuries $320 for two follow-up physician visits $200 for five physical therapy sessions
CONTACT US
To learn more, please contact your Florida Blue representative today.
$3,285 in total cash benefits paid directly to USAble Life is an independent company and operates separately from Florida Blue. Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association. USAble Life does not sell or service Florida Blue products.
18L-USAL-0326
P.O. Box 1650 | Little Rock, AR 72203-1650 | 800.648.0271 | 501.375.7200 | USAbleLife.com
CRITICAL ILLNESS INSURANCE
Prepare for the future now, because you don’t want to miss moments like this.
Live life. You’re covered.
Product highlights
The last thing you should worry about when you’re dealing with a serious medical condition is money. Whether it’s a stroke, a heart attack, or even cancer, USAble Life’s Critical Illness plan provides lump-sum payments directly to you when a covered critical illness is diagnosed.
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Pays cash directly to you
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Can be used to cover medical and non-medical expenses
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Pays in addition to any other insurance you may have
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Available for individuals, spouses, and dependent children
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Benefit amount options up to $50,000
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Policy is guaranteed renewable as long as premiums are paid on time
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Rates don’t increase due to age (policyholder is locked into rate for age at effective date)
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If you’re faced with a serious illness, USAble Life’s Critical Illness plan offers you an additional layer of financial protection. You also gain the peace of mind of knowing that we are here to deliver on our promise. USAble Life honors its commitment to process and pay claims with the greatest care and integrity. You can feel secure that when you buy insurance from us, that’s exactly what you will get. It’s our assurance–our pledge–that we will be there when you need us the most.
How it works $15,000
For example, you purchase a Critical Illness policy and later suffer a heart attack. The following year, you are diagnosed with internal cancer. In addition to what your health insurance pays, USAble Life’s Critical Illness plan pays:
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$15,000 for a heart attack diagnosis (initial payout) $15,000 for a subsequent cancer diagnosis (secondary payout)
$30,000 in total cash benefits paid directly to
CONTACT US
To learn more, please contact your Florida Blue representative today.
USAble Life is an independent company and operates separately from Florida Blue. Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association. USAble Life does not sell or service Florida Blue products.
18L-USAL-0328
P.O. Box 1650 | Little Rock, AR 72203-1650 | 800.648.0271 | 501.375.7200 | USAbleLife.com
HOSPITAL CONFINEMENT INSURANCE
We can help ease the financial pressure, so you can focus on what’s important.
Live life. You’re covered.
Product highlights
The costs associated with a prolonged hospital stay can be overwhelming if you’re unprepared. Bills can pile up quickly and linger for years, leaving a lasting effect on everyone in the household.
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Pays cash directly to you
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Can be used to cover medical and non-medical expenses
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Pays in addition to any other insurance you may have
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Available for individuals, spouses, and dependent children
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Three plans to choose from
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Policy is guaranteed renewable as long as premiums are paid on time
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Rates don’t increase due to age (policyholder is locked into rate for age at effective date)
®
USAble Life’s Hospital Confinement plan offers an additional layer of financial protection and pays you to help cover a variety of expenses in the event of a hospital stay. You also gain the peace of mind of knowing that we’re committed to delivering on our promise. USAble Life values its commitment to process and pay claims with the greatest care and integrity. You can feel secure that when you buy insurance from us, that’s exactly what you will get. It’s our assurance–our pledge–that we will be there when you need us the most.
How it works Plan 3
For example, you purchase our Hospital Confinement policy and later suffer an illness that requires an ambulance transport as well as a two-week hospital stay, including five days in Intensive Care. In addition to what your major medical insurance pays, USAble Life’s Hospital Confinement plan pays:
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$1,500 for hospital admission $500/day for ICU confinement (5 days) $150/day for hospital confinement (9 days) $250 for ambulance transportation
CONTACT US
To learn more, please contact your Florida Blue representative today.
$5,600 in total cash benefits paid directly to USAble Life is an independent company and operates separately from Florida Blue. Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association. USAble Life does not sell or service Florida Blue products.
18L-USAL-0329
P.O. Box 1650 | Little Rock, AR 72203-1650 | 800.648.0271 | 501.375.7200 | USAbleLife.com
A healthy mouth helps ensure a healthy body Did you know that mouths are full of bacteria? Good oral health routines at home and regular visits to the dentist can help keep bacteria under control and prevent gum disease or infection. This is especially important for people with certain medical conditions—oral bacteria entering the bloodstream from the mouth can have serious effects on the six medical conditions shown below. If you are affected by one of these, be sure to learn more about the impact of dental health and talk to your dentist. Florida Blue’s Oral Health for Overall Health program also provides enhanced dental benefits that can help you get healthier.
Medical conditions affected by oral health Diabetes High blood sugar can increase the risk for periodontal disease; gum disease can cause additional blood sugar increases. Coronary Artery Disease Oral bacteria can enter the bloodstream, causing plaque to grow on the heart arteries’ inner walls and leading to a variety of conditions, including infections and heart attacks. Stroke A stroke can occur when plaque breaks off from the wall of a blood vessel and travels to the brain, cutting off its blood supply.
Learn more about the impact of dental health on your overall health at floridabluedental.com/oral-health-for-overall-health.
Head and Neck Cancers Radiation therapy is part of the standard treatment for head and neck cancers and can cause dental problems including mouth sores, tooth decay and gum infection. Oral Cancer Treatment for oral cancer can reduce saliva, leading to dry mouth and making tooth decay more likely. Sjögren’s Syndrome This immune system disorder reduces saliva, causing dry mouth and making tooth decay more likely. Pregnancy Hormonal changes during pregnancy can cause an increased risk for oral health issues, which may result in lower birthweight babies.
CHECK
OUT:
LIFE
INSURANCE
TERM LIFE INSURANCE
WHOLE LIFE INSURANCE
UNIVERSAL LIFE INSURANCE
Provides affordable coverage you need for the specific period of time you need it. You choose the available term that works best for your needs.
Features long-term protection with premiums that are guaranteed to never increase. This policy pays a benefit upon the death of the insured and may also build cash value.
Designed to last your entire lifetime, to build cash value and to pay a benefit upon the death of the insured. You have the flexibility to customize your policy and premium payments to meet your needs both now and in the future.
WHY GET LIFE INSURANCE?
CONTACT US
Life insurance coverage is your opportunity to provide for and
Phone : 561-614-2400
protect the people you love most. By putting a plan in place to
Web : www.appleinsurance.com
cover expenses that would occur in the event of your death,
Contact your agent!
you can help secure their long-term financial future. These funds can help your loved ones pay living expenses, stay in their home and pay off debts, including final expenses. It can also help send a child to college or leave a legacy.
Apple Insurance and Financial Services 3010 N Military Trail, Unit 310 Boca Raton, FL 33431
THANK YOU FOR CHOOSING APPLE INSURANCE!
We Help to Build & Protect Your Future.
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