How do you pay for the basics of health care?

Today, having access to health care coverage is not a nice-to-have, it’s a necessity. Whether it’s a night in the hospital, diagnostic tests or a simple trip to the doctor, are you comfortable knowing you have the means to pay for what you need?

• Only 21% of uninsured adults are “very” or “somewhat” confident that they have enough resources to pay for routine medical costs.1
• One in four American families have had a problem paying for medical care during the past year. Nearly 30 percent say someone in their family has delayed medical care in the past year for what was considered a serious condition.2

Now, the coverage you need is within your reach.

With Colonial Health AdvantageSM, you have access to affordable, limited and clearly defined health care coverage. You can now have limited benefits to help cover services ranging from doctor’s office visits to wellness and preventive care, diagnostic tests and hospital confinement.

The plan is simple to understand and use. You will have an ID card to present to any provider you choose. If you use providers from NPPN,* one of the largest PPO networks in the country, you can receive a discount to reduce your out-of-pocket expenses. And you have the stability of Colonial Life & Accident Insurance Company, an industry leader in voluntary benefits for nearly 70 years.

With Colonial Health AdvantageSM, you have:

• Affordable limited benefit hospital confinement indemnity coverage for you, your spouse and eligible dependents.
• No deductibles or co-insurance.
• Guaranteed issue with no medical underwriting.
• Friendly, reliable customer service.

Now you can get the coverage you deserve.

This is a Group Limited Benefit Hospital Confinement Indemnity and Accidental Death & Dismemberment plan. It is not designed to replace a major medical, other comprehensive and/or catastrophic plan. This is limited coverage that may not provide a reimbursement for all medical expenses you may incur.

In Georgia and Texas, this product is a Hospital Confinement Indemnity Plan.

Colonial Health Advantage_sm is underwritten by Colonial Life & Accident Insurance Company. Benefits may vary by state. The product is not available in all states. Please contact your Colonial representative to learn more about Colonial Health Advantage_sm.

* NPPN is not underwritten by Colonial Life & Accident Insurance Company.

1 ABC News/Kaiser Family Foundation/USA Today, Health Care in America 2006 Survey, October 17, 2006.

2 USA Today/Kaiser Family Foundation/Harvard School of Public Health, Health Care Costs Survey, conducted April 25 – June 9, 2005. (Chart 18)