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Mega Health and Life Insurance of Ohio is committed to providing affordable health insurance to the underserved markets of self-employed individuals, families, and small businesses. By concentrating on serving these market sectors, Mega Health and Life can offer high-quality plans at affordable rates; they keep prices low by customizing benefits and plans specifically for their customers and providing only the services they need and want. This allows Mega Health and Life to offer the best quality health and life insurance products at reasonable prices.
The health insurance plans provided by Mega Health and Life offer a wide array of benefits for inpatient and outpatient services. Value plans provide a basic level of medical coverage to ensure that customers are covered against emergencies; Selected plans offer a wider array of benefits with no network restrictions and emphasize customer-based control of costs tied to a maximum allowable charge determined by the company. For the most comprehensive range of benefits, the Mega Health and Life PPO plan covers in-network care for catastrophic medical expenses. Optional riders are available for ambulance service, pregnancy and childbirth, and outpatient treatment for accidents.
Mega Health and Life Insurance of Ohio offers both universal life and term life insurance plans. Whole life policies provide flexibility in benefits and premiums, while offering a cash value option for customers who are willing to pay an additional amount. These universal life policies typically provide a tax-free death benefit to beneficiaries, making them a financially sound choice. Term life coverage is available for periods of ten, fifteen, twenty and thirty years and guarantees renewability to age 95 regardless of current health conditions; premiums will not increase during the duration of the term covered, allowing customers to plan responsibly for their financial expenditures.
The insurance plans provided by Mega Health and Life Insurance of Ohio provide consumers with access to outstanding coverage at reasonable rates. By customizing life and health insurance plans to meet the specific needs of consumers, Mega Health and Life ensures that their customers get the insurance they need at prices they can afford, allowing them to balance costs and coverage to achieve a benefit package that provides real benefits.