A HEALTH Risk Prevention and Maintenance PROGRAM That works

For years companies have been taking advantage of cafeteria plans to reduce payroll taxes. The Traverse ™ Risk Prevention and Maintenance Program is the latest innovation in this commonly-used platform. It is a self-funded cafeteria Plan sponsored by your company.

The Traverse ™ program allows contributions on a pre-tax basis by implementing a qualified Risk Prevention and Maintenance Program.The Risk Prevention and Maintenance program is a systematic approach to improving lives using individualized strategies and one on one teaching.

With the Traverse ™ risk Prevention and Maintenance Program, your payroll taxes will be reduced by using a Sec.125 and the tax savings for each employee can be used to purchase supplemental coverage that can replace lost wages, pay out-of-pocket expenses, deductibles, and other expenses not covered by your current major medical plan.

Due to the Traverse ™ Risk Prevention and Maintenance Program‘s design, this can be structured to not affect your net take home pay.


How will you prepare for Out-of-Pocket charges from hospital and doctor bills?

As healthcare costs continue to increase, many individuals and businesses are moving towards high-deductibles and increased co-insurance on major medical plans in an effort to reduce costs. While this approach reduces the cost of your health insurance, it puts you at greater financial risk. In fact, more than six in 10 adults who say they have problems paying their medial bills are covered by health insurance.

Philadelphia American Life Insurance Company’s GAP plan helps bridge the gaps in the overage that exist in your current insurance plan by reducing or even eliminating the Out-of-Pocket expenses associated with the hospital and doctors bills. The plan pays the difference in what your medical plan would pay and what you or a covered family member would owe.

Benefits are limited to the deductibles, co-pays and co-insurance amounts that you or each of your covered family members are required to pay under your Primary Medical Insurance and include:

  • In-patient hospital expenses
  • In-patient surgeries
  • Physician’s hospital charges
  • Plus 50% of covered Outpatient expenses, which are considered eligible expenses under your Primary Medical Insurance policy

Does the GAP plan cover the expenses associated with Outpatient Expenses?

Yes. It is also designed to help you with your outpatient medical expenses by paying 50% of outpatient expenses that you or a covered family member would owe and are related to co-insurance and/or deductible expenses.

These expenses must be considered eligible expenses under your Primary Medical plan but are not paid by the plan.

Call (405)633-3710

“You never appreciate GAP coverage more than when you need it most. I had enough to worry about when my husband was admitted to the hospital. Having GAP insurance took a lot of stress off my shoulders.

— Anonymous

Your health is a huge asset, for you and your employees.

For employees who do not participate in the company health plan or have coverage through a spouse, Limited Benefit Hospital Indemnity Plans provides payment to the insured for:

  • Hospitalization up to 1,000,000 per year

  • Outpatient Diagnostics

  • Doctor’s Office Visits

  • Prescriptions

  • Off The Job Accidents

  • Emergency Room Visits

Plans can also include:

  • Dental Insurance

  • Life Insurance

  • Short Term Disability Coverage

  • Ambulance Benefit

  • Wellness Benefit

  • Critical Illness Benefit

  • Surgery

  • Drug and Alcohol Rehab

  • Mental and Nervous Inpatient Benefit

  • Daily Skilled Nursing Benefit


Offsetting the costs of unforeseen events

An accident can be called an unforeseeable nightmare, that we can never be to prepared for! Between 68% to 70% of all claims are due to unwanted injury in other words an accident. We are all expected to have some sort of accident in our life time be it auto, light sports injury or on the job. These kind of claims tip the scale in the billions. When accidents happen your clients income can decreased due to time off and doctors appointments. Leaving your client to face a harsh reality of “How am I going to pay my bills”?

24 Hour Accident Expense Plan helps cover medical expenses and living costs when you get hurt unexpectedly. Benefits are also paid for Accidental Death, Ground or Air Ambulance, Daily Hospital Income and Dismemberment. An Optional Accident Disability Benefit Rider is available up to $2,000 per month

These Accident Plans can be sold as a stand alone or added to your clients health plan for a very affordable amount.


  • 2,000 or 4,000 of accident coverage available

  • Issue ages 0-75

  • Guaranteed renewable to age 80

  • $50,000 or $100,000 of Accidental Death Benefit

  • Pays in addition to any other insurance

  • Individual, Individual & Spouse, Single Parent,

  • Family, and Children Only coverage available

  • Optional Accident Disability Income Benefit†
    †for the Primary Insured.

Call (405)633-3710


Your health is a huge asset, for you and your family

One of the hardest things for someone to face emotionally and physically is Critical Illness. During these times families can be put in a position to care for their loved ones. With a Critical Illness policy your client can have a lump sum benefit in place to better manage this crisis.

Even though we may not know the outcome, people are surviving major illnesses in this county in record numbers. Let’s help them protect their long term future after these challenging times.

So what does this policy cover!


Insured and/or Spouse: $10,000 / $20,000 / $30,000 / $40,000 /$50,000

Dependent Children: $10,000

COVERED CONDITIONS                                                                         PERCENTAGE BENEFITS PAYABLE

Benefit Section I

  • Cancer (Internal Cancer)*                                          100%

  • Non-Invasive Carcinoma In-Situ                               25%

  •  (if metastasized, balance will be paid)

Benefit Section II

  • Heart Attack                                                                  100%

  • Stroke                                                                              100%

  • Coronary Artery Bypass Surgery**                            25%

  • Angioplasty                                                                     10%

  • Pacemaker Implant                                                      30%/40%

  • (single chambered / double chambered)

  • End Stage Renal Failure                                              100%

  • Organ Transplant (heart, lung, liver, pancreas)     100%

  • Organ Transplant (kidney)                                          50%

The benefits listed above can be used at your clients discretion, once the illness has been diagnosed. Expenses such as deductibles, house hold bills, and treatment not covered by his or her medical policy are a few options. Your clients money their choice!


*Eliminates your major medical deductible and co-insurance

Call Our Office For More Information