Four Ways to Get the Most From Protect Advantage Insurance

Understand the Benefits of Protect Advantage Insurance

Protect Advantage insurance provides coverage for the essentials in life. This policy helps ensure your family’s financial security in case of illness, injury or other unforeseen circumstances.

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Protect Advantage insurance offers several advantages over other policies:

Comprehensive coverage. This policy covers doctor visits, hospital stays, emergency care, prescriptions, and more. It provides end-to-end coverage so you have peace of mind in any medical situation.
Affordable premiums. Premiums are budget-friendly and competitively priced. Plans start at just $19 per month. There are also discounts available for bundling multiple policies or enrolling more family members.
Flexible options. Choose between Bronze, Silver and Gold plans based on your needs and budget. You can also select options like dental, vision and life insurance to create a customized bundle.
Nationwide acceptance. See any doctor or visit any hospital in the Protect Advantage network, which includes over 1 million physicians and 6,000 hospitals across the country. No need to worry about out-of-network costs.

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How to Maximize Your Coverage With Add-Ons

To get the most out of your Protect Advantage insurance policy, consider adding supplemental coverage. These optional add-ons expand your protection and provide more security for you and your loved ones.

1. Accident Insurance

Accident insurance provides extra financial help if you experience an accidental injury. It covers things like emergency room visits, surgeries, physical therapy and more. Accident insurance pays you cash benefits to use however you need, so you can focus on recovery instead of bills.

2. Hospital Indemnity Insurance

Hospital indemnity insurance gives you money for each day you spend in the hospital to cover out-of-pocket costs. The daily benefit amount depends on the plan you choose.

This can help pay for things your health insurance doesn’t cover like copays, transportation to medical appointments, and child care.

3. Critical Illness Insurance

A critical illness like cancer, heart attack or stroke can be expensive even with health insurance. Critical illness insurance provides a lump-sum cash benefit if you’re diagnosed with a covered condition.

You can use this money however you see fit, whether it’s for medical bills, lost wages or other expenses. This gives you financial security so you can concentrate on your health.

4. Accidental Death and Dismemberment Insurance

Accidental death and dismemberment (AD&D) insurance pays benefits to your beneficiaries if you die or suffer a loss of limb/eyesight due to a covered accident. It provides an additional layer of financial protection for your loved ones in the event of a tragedy. AD&D coverage is very affordable and can give you peace of mind.

Get the Most Value by Comparing Quotes

Here are a few tips to get the most value from your Protect Advantage plan:

1. Check Other Major Insurers

See what’s offered by top companies like Progressive, Geico, State Farm, and Liberty Mutual. Get quotes for similar policies to compare deductibles, coverage limits, and premiums. You may discover one of these mainstream insurers can beat your current rate. Make sure you’re comparing apples to apples by inputting the same details for each quote.

2. Consider Local or Regional Insurers

Don’t overlook smaller insurance companies in your area. They often provide competitive rates and great customer service since they rely on local members. Ask friends or check online reviews to find reputable local insurers, then get quotes from a few to compare. You could find hidden savings here.

3. Adjust Your Coverage and Deductibles

Tweak the details of your policy to lower the premium, like increasing your deductible or dropping extra coverage you don’t need. For example, if your car is older, you may not require comprehensive and collision coverage. Even small changes can yield decent savings. Get new quotes with the adjustments to see if the lower premiums are worth it for your needs.

4. Bundle With Other Policies

Do you have homeowners, life, or other insurance policies? Bundle them together for a discount. Most insurers offer bundling incentives of 5-15% or more off your premiums. The more policies you have, the bigger the savings. Bundling is an easy way to maximize value from your Protect Advantage plan.

Conclusion

Comparing quotes and making a few simple changes to your policy or coverage can help ensure you get the best value from your Protect Advantage insurance. You owe it to yourself and your wallet to explore all options. A little time spent researching and adjusting details upfront can yield substantial savings over the lifetime of your policy.

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