AVENEW
TOTAL
HEALTH
MyEssentialCare Protection
None of us can predict the future, and regular health insurance doesn’t always cover every cost. That’s why AveNew includes MyEssential Care Protection— provided through Federal Life — as an integral part of AveNew Total Health at no out-of-pocket cost to you.
MyEssentialCare gives you direct benefits when accidents, serious illnesses, and/or hospital stays happen. These payments go straight to you, so you can decide how to use them — whether it’s paying medical bills, covering rent, arranging childcare, or keeping up with everyday expenses.
With this added protection, you’ll have peace of mind knowing support is there to help cover high co-pays and deductibles, replace lost income, and manage the extra costs that come with life’s toughest moments.
MyEssentialCare from Federal Life gives you benefits when life takes an unexpected turn — like an accident, serious illness, or hospital stay. Here’s what’s included (in addition to benefits provided by the HealthCues program):
​General Benefits
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Term Life Insurance – $10,000
Accident & Hospital Benefits
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Ground or Water Ambulance Benefit – $400 per covered accident
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Air Ambulance Benefit – $2,000 per covered accident
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Emergency Room Benefit – $400
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Initial Hospital Admission Benefit – $500 for your first day of confinement (1 day per year)
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Daily In-Hospital Benefit – $100 per day (up to 365 days)
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Major Diagnostic Exam – $250
Additional Benefits
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Coma – $10,000
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Heart Attack, Stroke, or Invasive Cancer – $10,000
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Non-Invasive Cancer – $2,500
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Coronary Bypass – $5,000
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Bone Fracture – Up to $4,000 (depending on severity)
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Accidental Death – $10,000
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Paralysis – Up to $10,000
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Dismemberment – Up to $10,000
All payments go directly to you — not to hospitals or doctors — so you can decide how to use them: paying medical bills, covering rent, childcare, or other household expenses.
This is a summary of the available benefits under the group policy underwritten by Federal Life Insurance Company (Home Office, Lincolnshire, IL). Details of insurance, including exclusions, limitations, restrictions, and other provisions are included in the certificate of coverage issued. Coverage available in Illinois and California.
About Federal Life
For over a century, Federal Life remains as resilient and nimble as the day it began.
Federal Life is a leading insurance business that has been protecting individuals and families with valuable products for over 125 years. Incorporated in 1899 and headquartered in the Chicago metropolitan area, Federal Life is proud of its longstanding tradition of financial strength*, stability and as an innovator in the industry. Federal Life is excited to deliver the next generation of accident & health, life and annuity products through innovative product design and risk management solutions for insurance and reinsurance clients.
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*Federal Life Insurance Company is rated A- (Excellent) by AM Best for Financial Strength.