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Money Back

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We offer a money back (after claims) program that is unique in the health insurance industry. This incentive to take care of yourself keeps our costs low. We pass the savings back to you by returning your premiums paid less any claims that have been made. Now you can have the insurance peace of mind and get your money back if you don't use it.

We keep life affordable by providing health coverage* designed for people like you.

  • Allows you to choose your doctors and hospitals
  • Provides important coverage 24 hours a day, 7 days a week
  • Automatic family continuation of coverage in the even of your death
  • Allows you to continue your coverage at age 65
  • Includes a hospital bill audit reimbursement
  • You can take your coverage with you
  • You cannot be singled out for rate increase
  • You cannot be singled out for cancellation
  • Flexible programs designed to fit your needs and budget

We have set specific criteria, which is required by small business owners of a health insurance* carrier

  • Dedicated field force to explain the coverage face-to-face with Members
  • Highest Standards of Service
  • Prompt Claims Payment
  • Ability to Deliver Real Value

The associations endorse The MEGA Life and Health Insurance Company to provide health insurance protection for Members. MEGA's financial resources and dedicated service have made the Company a leader in the health insurance industry.

Rated "A-" (Excellent) by A.M. Best**
Rated "A-" by Duff & Phelps**

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*Underwritten by The MEGA Life and Health Insurance Company,
Home Office: Oklahoma City, OK. Benefits, exclusions and limitations vary by state. Please consult a local agent for complete details

**Independent analysts who evaluate & rate insurance companies. Ratings are reviewed and affirmed regularly

"If you don't get sick or need health care the money you have been paying is returned!"

"You deserve to know the facts when making a health care decision."

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Modified 04/28/2005