The Health/Dental and Memorial Program (HD&M) is a great way to provide your members with valuable benefits while keeping budget costs affordable. CVIS, INC partnered with Equitable Life of Canada to develop affordable benefits for VFIS A&S Customers as they look for ways to attract and retain their members. Here are just some the reasons why the HD&M Program will be a great fit for your fire department:
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Cost Effective and Very Budget Conscious
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Requires a 50% Participation Level, just submit names of those participating to get Drug Cards
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On Line Easy Administration and can be paid Annually or Monthly
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We are providing those participating a guaranteed $15,000 Life Insurance Policy without medicals. ($12,500 to Participant Beneficiary and $2,500 to your department)
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Our plan covers 12 paramedical practitioners. Most plans are less than this.
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Our plan list major medical services such as ambulance, glucometers nursing care services, etc which may or may not be included but are not mentioned in other plans.
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Our plan covers eye glasses and others don’t.
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Our Annual Drug Maximum is $4K/Year versus others that have $1K – this provides Volunteer FF who get diagnosed with a critical condition that needs medication gets more complete coverage.
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Our Annual Dental Maximum is $1K versus others that have $750 – dental services are more than likely where Volunteer FF’s are going to claim most (vs Health Claims)
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Our Out of County Coverage covers 90 Days for Travel versus others that list 60 Days for Travel – providing Volunteer FF’s better coverage when they Travel
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