These products offer cash benefits in case of catastrophic diagnoses, such as cancer, stroke, heart attack, organ transplant, etc. These plans can occupy an important position in a portfolio, especially if you have insurability issues or you want to save money on premiums while providing coverage for the “big stuff.” Coupled with limited-benefit plans, they can closely approximate the coverage of a Major Medical policy.

Accident Insurance Accident plans offer mostly “first-dollar” accident coverage. We believe very strongly in this kind of coverage and offer it with most of our plans. Considering that more than 60% of all claims are accidents, this kind of coverage just makes good sense. Prescription Drugs Prescription drug assistance can also be purchased on a stand-alone basis. Longhorn clients can often save significant money on expensive medication by using a variety of strategies that can include insurance plans as well as discounts, mail order plans, etc.

Dental Coverage
Dental coverage can also be purchased on a stand-alone basis. However, this kind of coverage is not always a cost-effective way of controlling a family’s dental cost. Longhorn consultants will assist you in ascertaining whether or not dental coverage is right for you and which carrier’s plan works best for your situation.