NEW for 2015, Medical Expense Insurance – Medical expense insurance is designed as a companion to your health plan under FEHB. It enhances the overall benefits for you and your covered dependents. It can reduce or in some cases, even totally eliminate the out-of-pocket expenses you or your covered dependents may incur as a result of either inpatient or outpatient medical care. By reducing your out-of-pocket costs and the financial burden your medical expenses can create. It may even help you reduce the overall cost of maintaining quality health insurance by allowing you to combine a health insurance policy with a higher deductible and co-insurance requirement with the plan.
Supplemental Disability Income Insurance - Federal employees do not have access to disability insurance as part of their employer sponsored benefit programs. Through FedAdvantage, NCBC offers both Short-term disability (STD) and Long-term disability (LTD) insurance plans, underwritten by MetLife. These plans are designed to fill the gaps left from your paid leave and disability retirement to provide you with a continuous stream of income through all phases of disabling conditions. This program offers comprehensive disability income protection, along with the flexibility of choosing a plan design to meet your needs. With benefits starting as early as 30 days, the NCBC sponsored disability programs will help bridge your income from when your leave stops until you can return to work.
Life Insurance - When was the last time you reviewed your Life Insurance? Life insurance rates are based around life expectancy and with people living longer than ever, now might be a good time to capitalize on the low rates available. If it’s been more than 5 years since you reviewed your life insurance if might be time to give yourself a financial checkup. We offer the broadest range of life products available in the industry today and, in most cases can save you money on your existing life insurance.
Professional Liability Insurance – insurance to protect you against claims brought against you in the scope of your job. As a federal employee, you can find yourself in a situation where you need to hire your own personal attorney - just for doing your job. FEDS Federal Employee Professional Liability Insurance provides you with legal representation and indemnity protection to protect you and your family from the risks and financial consequences of a claim or allegation made against you in the performance of your federal job duties.
CIGNA Dental Insurance – Active and retired NCBC members have access to dental insurance through Cigna. You can choose between a PPO or an HMO each offering one of the largest dental networks available today. These plans are different from others available in that they charge a single monthly rate regardless of your zip code or geographical location.
Vision Service Plan – Active and retired NCBC members have access to vision insurance plan through VSP. VSP is the largest and most recognized insurance plan available. This plan is different from others available in that they charge a single monthly rate regardless of your zip code or geographical location.
Pet Insurance – Are you looking for quality health insurance for your pet? NCBC has compiled a pet referral list for you to compare the industries top pet insurance programs. As the cost of unexpected veterinary care rise’s parents of pets look to find ways to help manage those expenses, this referral list can assist you in comparing the right plan for your pet.
To learn more about these plans go to the benefits section of the NCBC members website or contact me directly.