The Health/Dental and Memorial Program (HD&M) is a great way to provide your members with valuable benefits while keeping budget costs affordable. Here are just some the reasons why the HD&M Program will be a great fit for your fire department:
Cost Effective and Very Budget Conscious
Requires a 50% Participation Level, just submit names of those participating to get Drug Cards
On Line Easy Administration and can be paid Annually or Monthly
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)
Our plan covers 12 paramedical practitioners. Most plans are less than this.
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.
Our plan covers eye glasses and others don’t.
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.
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)
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
