Benefits

Benefits

 

Thanks to our long-standing relationships with trusted and reliable brands and the associations we work with, AMBA is dedicated to providing the supplemental coverage retirees sorely need and is designed to fill their gaps.

 
 
 
 

 

 
 
 
 

AMBA partners with a diverse set of carriers that underwrite products highly suitable and valuable for the market we serve, ensuring high-quality insurance programs.

We offer a multi-channel distribution platform that includes Direct to Consumer, eCommerce, and Field Agents.

Each of our agents is thoroughly trained to explain the policies they offer, understanding how specific coverage may help fill in the gaps of what Medicare, state pensions, and other sources may not cover. Our robust portfolio of A-Rated insurance products combined with our agent expertise helps members have secure and prosperous retirements. 

 
 
 

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MEDICARE SUPPLEMENT INSURANCE

 

Medicare copayments, coinsurance, deductibles, and excess charges can add up to thousands of dollars. A Medicare Supplement plan, also called Medigap, is designed to help cover these costs. Members can choose their own doctors, specialists, and facilities without cancellations due to age or health.

 
 
 
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HOME HEALTHCARE INSURANCE

 

Most people sidelined by an accident or health issue would prefer to recover in the comfort of their own home. Home healthcare, sometimes called Short-Term Care, costs less and can be just as effective as care in a hospital or skilled nursing facility but is not always covered by standard health insurance. This affordable plan gives members the flexibility to choose the right type of care for them.

 
 
 
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LONG-TERM CARE INSURANCE

 

According to the U.S. Department of Health and Human Services, Americans turning 65 have a 70% chance of needing long-term care at some point. Members choose the daily benefit amount, elimination period, and benefit period that best suits their needs. This customizable policy could save members hundreds of thousands of dollars, helping to protect their life savings and reduce the financial, mental, and emotional stress on their children.

 
 
 
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CANCER/HEART/STROKE POLICY

 

Many advanced treatments that could increase someone's cancer survival chances may not be available locally. Travel, care, and other out-of-pocket expenses can be overwhelming. A cancer plan will pay cash directly to a member upon the first diagnosis of internal cancer or malignant melanoma, paid at one time in one lump sum. An optional heart and stroke rider is available for an additional premium.

 
 
 
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MASA (Emergency Transport Policy)

 

Medical transportation can cost $50,000 or more for just one trip. Medical Air Services Association (MASA) provides members with high-quality emergency transportation 24/7 from home or anywhere in the world, plus transportation of vehicles, children, grandchildren, and even pets at no additional cost. Members have no premiums, deductibles, or other hassles.

 
 
 
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VISION

 

The average eye exam and glasses cost more than $450. Fortunately, help is in sight. AMBA can help your members save hundreds of dollars and protect their overall health with low rates, easy copays, and out-of-network reimbursements. Optometrists are often the first to detect serious issues. A routine eye exam could reveal symptoms of anything from diabetes to cancer—more the reason members take advantage of a vision plan from us.

 
 
 
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DENTAL

 

Members can get quality coverage at affordable single or family rates—no network required, no waiting period during open enrollment. Low calendar-year deductibles and significant savings on covered procedures can help protect their financial health as well as their overall health. Studies are now showing links between gum disease and heart problems, diabetes, osteoporosis, and Alzheimer's disease—which is why dental coverage becomes more important with age.

 
 
 
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ACCIDENT INSURANCE

 

Accident recovery typically gets more challenging with age, which could set someone back financially and physically. This policy helps members cover expenses standard medical plans might not, such as ambulance, hospital costs, intensive care, physical therapy, family lodging and transportation, and more.

 
 
 
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EASY ISSUE LIFE POLICY

 

This plan gives members the peace of mind of protecting their families from the high cost of final expenses. There are no medical exams, premium increases, or decreases in coverage due to age or health. Our skilled agents clearly and carefully explain tax advantages and other features.

 
 
 
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TAX-DEFERRED ANNUITY

 

Annuities are an excellent way for members to diversify their savings and potentially earn much more interest than CDs or savings accounts. Advantages include tax-deferred accumulation of interest, a guaranteed competitive interest rate, multiple payout options, and a nursing home waiver.

 
 
 
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SPECIAL MEMBER DISCOUNTS

 

Association members can enjoy savings on dining, entertainment, travel, electronics, household items, and other discounts nationwide, right from their smartphone. All they do is go to myAMBAdiscounts.com, enter their email, activation code, and basic information, and sign up for email alerts.

 
 
 
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AND MORE

 

Additional insurance policies and valuable discounts are available from AMBA to benefit your members. Ask about your needs.

 
 
 
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