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Benefits for Association Members
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1st Diagnosis Heart Attack & 1st Major Heart Surgery Insurance Policy
 Underwritten by United Teacher Associates Insurance Company
Why Think About Heart Attack and Major Heart Surgery?
 In every year since 1900, cardiovascular disease accounted for more deaths than any other single cause or group of causes of death in the United States.1 Coronary heart disease is the single largest killer of American males and females.1 This year, an estimated 700,000 Americans will have a new coronary attack and about 500,000 will have a recurrent attack. It is estimated that an additional 175,000 silent first heart attacks occur each year.1

Today, your chances of surviving a heart attack are greater than ever before because of advances in prevention and treatments. However, these non-medical and other out-of-pocket expenses can be overwhelming. 

The 2005 overall estimated cost for cardiovascular disease totaled $393.5 billion.  $241.9 billion (62%) was for direct medical expenses, but more than one-third of this amount, $151.6 billion (38%), was for non-medical expenses (lost productivity due to morbidity and mortality).2


 

Medical vs. Non-Medical Expenses

Medical:

  • Doctor

  • Nurse

  • Drugs and Medicine

  • Daily Hospital Room Charge

  • Surgery

Non-Medical:

  • Loss of income

  • Family member loss of income

  • Ongoing fixed costs such as rent or mortgage, groceries, utility bills, etc.

  • Insurance deductibles and co-payments

  • Travel and hotel expenses

  • Child Care expenses

  • Home Care during treatments

  • Non-Covered Experimental Treatments

Source: 1American Heart Association | American Stroke Association, Heart Disease and Stroke Statistics, 2007 Update At-a-Glance, pg. 12.  2American Heart Association Heart Disease and Stroke Statistics, 2005, pgs. 10-11. These facts represent the U.S. population, are presented for information only, and do not imply coverage provided under the policy or endorsement of the American Heart Association.



Not all policies and product features are available in all states.
This is not an offer or solicitation in any jurisdiction where the policies are not approved for sale.

 

 

 

Association Member Benefits Advisors
6034 W. Courtyard Dr., Ste 300
Austin, TX 78730
 800.258.7041

Some benefits not available in all states
 Contact our office to find out if a product is available in your state.
Policy form series: -HF-960501-UTA, HF-960502-UTA, HG-960701-UTA-CRT and HG-970801-UTA-CRT.
(policy form numbers vary by state).
This product not available in California.