Critical Illness Insurance
In the event of an unexpected illness, critical illness insurance can help members or employees protect their family's ongoing physical and financial health.
Life-changing protection when they need it most
If members are diagnosed with a major illness, they definitely don't want to think about money. Their time should be spent on recovering and getting back to their life. Unfortunately, too often they face debt or even bankruptcy from medical costs. Resources like the American Cancer Society provide support for families facing serious diagnoses.
At Premier Health Solutions, we create innovative solutions to help families prepare for life's most unexpected events. Critical illness insurance provides direct cash benefits to pay for your member's out-of-pocket expenses that arise due to a critical illness.
Illnesses that may be covered
Which illnesses are covered will depend on the member's state and exact plan, but they may cover major illnesses including:
Cancer
Cash benefits to help offset costs associated with a cancer diagnosis and treatment.
Heart Disease & Heart Attack
Financial protection for members diagnosed with heart disease or who experience a heart attack.
Stroke
Cash benefits to help cover expenses and lost income following a stroke.
Kidney Failure
Coverage for the significant costs associated with kidney failure treatment and dialysis.
Major Organ Transplants
Financial support for the extensive costs of organ transplant procedures and recovery.
Paralysis
Cash benefits to help with the life-changing costs associated with paralysis and rehabilitation.
Critical illness insurance supplemental options
We manage robust and innovative relationships with nationwide carriers to provide high-quality, affordable insurance options to your members.
States Available
Premier Health Solutions offers access to critical illness insurance in 48 states. The majority of our plans are guaranteed issue, with standard issue options available.
Full Administration
We provide comprehensive benefits, administration, and program management services. We handle the back-office tasks so you can focus on your members and growing your business.
Easy Member Access
Members can set up benefits online, access the secure member portal, make payments via credit card or ACH, and set up recurring payments.
Ongoing Optimization
We track how your members utilize their benefits and record feedback to ensure your group receives the most valuable and appropriate benefits for them.
What you can expect from Premier Health Solutions
At Premier Health Solutions, we provide comprehensive, end-to-end services for your administration, benefits, and management needs.
Competitive rates for today's families
Affordable plans designed for modern families with flexible pricing that fits different budgets.
Access to cost-saving and life-changing benefits
Value-added benefits that give members more coverage at lower out-of-pocket costs.
Reliable and member-focused services
Customer support services that put members first every step of the way.
A focus on compliance
Compliance built into every process, with dedicated support for independent agents who partner with us.
About Critical Illness Insurance
Critical illness insurance is a supplemental insurance product that pays a lump-sum cash benefit directly to you if you are diagnosed with a covered critical illness, such as cancer, heart disease, stroke, kidney failure, organ transplant, or paralysis.
Health insurance pays doctors and hospitals for medical services. Critical illness insurance pays cash directly to you upon diagnosis of a covered condition. You can use the benefit however you choose — for medical bills, mortgage payments, living expenses, or anything else you need during recovery.
Critical illness plans administered by Premier Health Solutions typically cover six major conditions: cancer, heart disease, stroke, kidney failure, organ transplants, and paralysis. Specific covered conditions and benefit amounts may vary by plan.
Guaranteed issue options are available for many critical illness plans, meaning you may be able to enroll without a medical exam or health questionnaire. Availability depends on the specific plan and state.
Yes. Critical illness insurance is designed to supplement your existing health coverage. The cash benefit is paid in addition to any benefits from your health insurance plan, helping cover the financial gap that often comes with a serious diagnosis.
Benefits are paid as a direct lump-sum cash payment to the policyholder upon diagnosis of a covered critical illness. There are no restrictions on how the funds can be used.
Critical illness insurance administered by Premier Health Solutions is currently available in 48 states. Contact us for the most current list of available states and plan details.
A critical illness diagnosis often comes with significant financial stress beyond just medical bills — lost income, travel for treatment, childcare, and everyday expenses. Critical illness insurance provides a financial safety net during one of life's most challenging moments.
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At Premier Health Solutions, we simply do things the right way — for our customers and your members. Our leadership team is made up of industry veterans. They've spent decades helping people navigate insurance challenges. From day-to-day administration to billing to agency support, we're the end-to-end solution for your healthcare needs.