Whether you’re an expert on Etsy or a driven tech designer, AFEUSA is dedicated to assisting self-employed individuals at the grassroots level in realizing their aspirations.
AFEUSA has served independent and small business leaders by providing value, savings, and education.
You must be an AFEUSA Member to qualify for these insurance options.
You can enjoy the convenience and security of these plans, which are guaranteed issue. This means you don’t have to go through any hassle or risk of being denied coverage.
Benefits are very important and time-saving for everyone, especially in times of need. You don’t have to waste time or money on exams, medical records, or questions that may delay or prevent you from getting the protection you deserve.
If you’re lucky, you’ve probably never had to use Critical Illness Insurance (sometimes called catastrophic illness insurance). Perhaps you’ve never even heard of it. But in the event of a big health emergency, such as cancer, a heart attack, or a stroke, critical illness insurance could be the only thing standing between you and financial ruin.
Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover.
Critical Illness Insurance can pay for costs not covered by traditional insurance. The money can also be used for non-medical costs related to illness, including transportation, childcare, and so on. Typically, the insured will receive a lump sum to cover those costs.
An accident resulting in a disability that prevents you from working is a serious matter. The loss of income can cause financial stress for you and your family.
The Accident Disability plan designed to assist with ongoing living expenses if you become disabled as a direct result of an accident. This plan provides a cash benefit and guarantees acceptance without the need for a medical exam.
Accidents occur every second of the day, and a disabling accident that prevents you from working can be catastrophic. Let us assist you in getting the financial support you need while you recover.
Accident Insurance provides a cash payment that can be used to pay for medical expenses resulting from a covered accident. Healing and getting healthy shouldn’t mean a gut-punch to the bank account or regular daily life.
Accident Insurance is a relatively cheap insurance policy. If you’re looking for an affordable alternative to life insurance, accident insurance may be a good fit for you.
That’s why these payments can be used for other expenses too – mortgage or rent, groceries, bills, even childcare. You or your family have the freedom to choose how you want to use your money.
Hospital Indemnity Insurance provides a cash benefit in the event of a hospital confinement for a covered illness and/or injury.
The cash benefits can be used however the member chooses, such as paying for deductibles, co-pays, coinsurance, mortgage, rent, bills, or other living expenses. Cash benefits for emergency room visits and physician office visits are included in some plans.
Even if you have one of the best medical plans out there, it’s possible that your plan will not cover all the costs incurred by a hospital stay. That’s where Hospital Indemnity insurance can help. It can give you the peace of mind to focus on what’s most important – getting better.
Dental Insurance is health insurance for your oral health care. Dental coverage helps you reduce the amount that you spend on preventive care and treatments. For example, you may only have to pay a percentage of the full price to get a root canal or filling, depending on your plan.
Many medical insurance plans do not cover dental services. To help minimize the out-of-pocket costs of dental care, many people choose to buy Dental Insurance. This benefit has many similarities to medical insurance, such as monthly premium payments, coverage networks, and out-of-pocket cost reductions for treatments.
The cost of group health insurance is usually much lower than individual plans because the risk is spread across a higher number of people.
Simply put, this type of insurance is cheaper and more affordable than individual plans available on the market because more people buy into the plan.
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