Medico Contracting and Appointment
Medico Insurance Company has served the insurance needs since 1930, establishing a proven track record in providing quality insurance solutions. Medico is a financially strong and secure organization with industry-leading technology and outstanding service.
The most effective way to cross-sell and quote all Medico products is by using MyEnroller, an electronic quoting and application tool. Allowing quotes on multiple products and running several different scenarios without the need to manually recalculate the premiums. MyEnroller Electronic App is available on desktop, laptop or iPad, works with or without an internet connection and allows for quick application processing time.
These are Medico's current policies and state availability for 2018.
Medico First Diagnosis Cancer
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Issue ages 18 to 79 (age last birthday). Household discount may apply. No policy fee.
First Diagnosis Cancer policy pays cash in one lump sum upon pathological diagnosis of internal cancer or malignant melanoma and excludes all other skin cancers.
A short application is used and a prescription drug screen will be required for all applicants. No phone interview or medical exams required. It is simplified issue and the rates are unisex.
Lump sum benefits are $10,000, $15,000, $20,000 or $25,000, benefit maximums may vary by state. Inflation protection optional benefit automatically increases the cash benefit amount by 5% of the original cash benefit amount each year the policy is in force.
There’s a 30-day waiting period beginning on the policy date.
Dental, Vision & Hearing
Medico Dental, Vision, and Hearing
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Plan options are Dental, Dental-Vision-Hearing 1000 or 1500 and Dental Plus. Each plan has an annual deductible of $100, and an annual max benefit of $1,000, $1,000 or $1,500 and $2,500, respectively. Products and benefits may vary by state.
Dental coverage consists of preventive services, basic services, and major services; the plans pay a percentage and include waiting periods.
Vision coverage includes exams and hardware (eyeglasses and contact lenses) and up to $200 in any two plan years. Waiting periods do apply.
Hearing coverage includes exams, hearing aids, and repairs and up to $500 per policy year. Waiting periods do apply.
One of the largest dental networks nationally, the Maximum Care Network; powered by Careington & DenteMax, can help save on dental services like exams, cleanings, root canals, dentures and more. Not available in all states.
Medico Final Expense Life
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Issue ages 50 to 85 (age last birthday). Age maximums may vary by state. Annual policy fee is commissionable. Three qualifiers must be met by the applicant to be eligible for preferred rates.
Face amounts are $2,000 to $50,000 for ages 50 to 70; and $2,000 to $25,000 for ages 71 to 85; available in $1,000 increments.
Benefits are level and graded. No graded benefits will be paid for the first two years for non-accidental death. However, the return of all premiums paid, less any policy loan, plus 10% interest on the total premium will be paid.
Accelerated benefits provide a benefit of 80% of the death benefit less any policy loan in lieu of the death benefit.
The underwriter will contact the applicant and obtain any additional information concerning their health history, and/or obtain clarification.
Policy loans are available when policy has cash surrender value, and nonforfeiture options can be selected.
Home Health Short Term Care
Medico Short Term Recovery Care
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A short application is used. A telephone interview will be done on all applicants along with a prescription drug screen. No medical exams required. It is simplified issue and the rates are unisex.
Elimination periods are 0-, 15- or 30-day; daily benefit amounts options are $100 to $300 in $10 increments and pays actual charges up to the selected daily amount. Lifetime maximum benefit period options are 120, 240 or 360 days. Covered benefits include nursing facility confinement, assisted living facility confinement, home health care, adult day care and hospice care along with a bed reservation benefit.
Medico Hospital Indemnity
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Medico Hospital Indemnity Insurance offers 3 options. Household discount may apply.
Option 1 is issued to ages 40 to 85. Plan pays for each day of hospital confinement; choose the number of days (6 through 10 days) and the amount per day from $250 to $600 in $25 increments. Benefits include observation, mental health, emergency room and $1,000 Accidental Death and Dismemberment.
Option 2 is issued to ages 18-85. Plan pays a lump sum benefit per hospital confinement; choose the amount per confinement of $1,500, $2,000 or $2,500. Covers up to 3 hospital confinements per calendar year and includes $1,000 Accidental Death and Dismemberment.
Option 3 is issued to ages 18-85. Plan pays a lump sum benefit of $5,000 on Day 1 for 1 confinement per calendar year and includes $1,000 Accidental Death and Dismemberment.
Optional benefit riders include ambulance services, outpatient rehabilitation services, daily skilled nursing home, lump sum cancer and accidental death & dismemberment.
Medico Medicare Supplement
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Select from Plan A, B, D, F, F (HD), G, N or a Basic Plan with Riders; may vary by state and company.
Household premium discount may be available in some states.
Medico Insurance Company, Medico Life and Health Insurance Company, and Medico Corp Life Insurance Company have been offering Medicare Supplement plans since 1975.
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