5. Ancillary Products — The Full Bundle
The standard bundle we present alongside Optimum Health Saver includes four additional products. Always include all four in your initial quote.
Enhanced 24-Hour Accident Plan
• Covers accidents 24 hours a day — not just on the job
• Pays benefits for ER visits, fractures, dislocations, burns, lacerations, ambulance
• Complements the Optimum by providing additional cash for accidents outside hospital admissions
Critical Illness
• Lump-sum payment upon first diagnosis of covered critical illness
• Covered conditions include: heart attack, stroke, cancer, organ failure, and more
• Cash benefit can be used for anything — medical bills, living expenses, lost income
Specified Disease
• Pays benefits for treatment of specific covered diseases
• Covers hospitalization, outpatient treatment, and related expenses for listed conditions
• Adds an additional layer of protection on top of the base Optimum plan
American Ally Advocacy
• Our white-glove concierge service for clients after enrollment
• Helps clients navigate bills, find in-network providers, negotiate pricing, and use their benefits correctly
• This is our differentiator — clients are not just buying a plan, they are getting ongoing support