IDAL Insurance Programs

We want you to make an informed decision so please feel free to contact Association
Health Programs for information on what is available and if it is right for you. There is
no charge to call and get quotes and you can do so even if your current membership level does not qualify you for a specific benefit. If you need to upgrade your membership level to be eligible for a specific chosen program, you will be notified before signing up for
any programs. All you have to do is contact IDAL, upgrade to the proper membership level, and then sign up for your chosen benefits.

Why Buy Insurance Through IDAL?

• We guarantee that we provide the very best insurance options available on the market. No one else can provide you the same quality of insurance at a lower cost.
  
  
• We compare your current insurance policies to the options available through the association. We give you an apples-to-apples comparison to show you how the association plans offer better coverage at lower cost.
  
  
• We use all national “A” rated carriers with every choice of plan. This allows you to have the same benefits and discounts throughout the United States.
  
  
• Premiums can never be increased due to future medical conditions. Policies can not be canceled for any reason other than non-payment.
  
  
• Renewal premiums are negotiated to obtain the lowest premium anywhere due to the association’s buying power.
  
  
• We handle all customer service related issues. You never have to wait for a representative from an insurance company.
  
  
• We work for you, not for the insurance company.
  
  
• We are here to service the members who want to make an educated decision regarding their healthcare and not just a “price decision” or “best deal” decision.
  
  
• We stand behind your insurance protection 100%, which gives you the peace of mind you are not being sold substandard insurance.
  
  
• No one can be turned down or denied coverage. We have options for all members.

IDAL Insurance Options and Membership Level Availability

Available to Home-Based Members, Professional Members and Business Partners

Basic Business Liability

Available to Professional Members and Business Partners

	Individual Health for individuals, families-Full and Part-Time Employees
	Student Plans, Travel and Short Term Plans
	Medicare Supplements and Part D prescription benefits
	Guaranteed Issue Limited Medical Plans and Hospital Indemnity
	Long-Term Care Insurance
	Home Health, Assisted Living and Nursing Home
	Discount Prescription Cards
	Life Insurance Term, Universal and Whole Life
	Survivorship (Second to Die)
	Key Person
	Executive Benefit Life
	Dental and Vision
	Disability (Short and Long Term), Critical Illness, and Accident Insurance
	Accidental Death and Dismemberment
	Chiropractic
	Health Savings Accounts (HSA’s), Cafeteria Plans, 105Bs
	Business Property & Liability
	Business Overhead
	Business Income
	Business Auto Liability

Available to Business Partners Only

	Group Health Insurance (2-50) employees
	Workman's Compensation 4 Errors and Omissions

Click link below for more Detail on:
IDAL Insurance Options and Membership Level Availability

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