Welcome to Steve Dixon's Agent Website

Steve Dixon

2201 LONG PRAIRIE
107-114
FLOWER MOUND, TX 75022
Phone: 972-355-8132
steve@healthplanfinders.com

Welcome

Available Plans

Accident Products

A 24-Hour, World Wide Accident Expense Benefit

Accidents happen when you least expect them - at home, at work, while playing or while traveling. While you can’t plan on them, you can plan for them - with Provident American’s 24 Hour Accident Expense Insurance Plan. This plan provides coverage 24 hours a day, anywhere in the world - and pays in addition to workers’ compensation, Medicare and other insurance.


Accident Plan Features

	1 Unit	2 Units	Optional Benefits

Accidental Injury Benefit	$1,000	$2,000	• Accident Disability Benefit
* Pays actual charges for medical treatment incurred within 21 days			• $500 for 1 unit of monthly income
Accidental Death Benefit	$10,000	$20,000	• $1,000 for 2 units of monthly income
Ground or Air Ambulance	$2,500	$5,000
Daily Hospital Income Benefit	$150	$300	Get a Quote • Now!
* Up to 30 days			Now you can apply online. This product is available in the following states: Louisiana, Oklahoma, Arizona and Texas
Dismemberment
Single loss of Toe or Finger	$500	$1,000
Multiple loss of Toe or Finger	$1,000	$2,000
Single loss of Hand, Arm, Foot, Leg	$5,000	$10,000
Multiple loss of Hand, Arm, Foot, Leg	$10,000	$20,000
Single loss of sight	$5,000	$10,000
Multiple loss of sight	$10,000	$20,000
• 24 Hour Coverage Worldwide • Issue Ages 0 - 75 • Pays in addition to any other coverage • Guaranteed renewable to age 80

Enhanced 24 Hour Accident Expense Plan

A 24-Hour, World Wide Accident Expense Benefit

Accidents happen when you least expect them - at home, at work, while playing or while traveling. While you can’t plan on them, you can plan for them - with Provident American’s Enhanced 24 Hour Accident Expense Insurance Plan. This plan provides coverage 24 hours a day, anywhere in the world - and pays in addition to workers’ compensation, Medicare and other insurance.

Enhanced Accident Plan Features
	1 Unit	2 Units	Optional Benefits
Accidental Injury Benefit	$2,000	$4,000	• Accident Disability Benefit
* Pays actual charges for medical treatment incurred within 21 days			• $750 for 1 unit of monthly income
Accidental Death Benefit	$50,000	$100,000	• $1,500 for 2 units of monthly income
Ground or Air Ambulance	$5,000	$10,000
Daily Hospital Income Benefit	$150	$300	Get a Quote • Now!
* Up to 30 days			Now you can apply online. This product is available in the following states: Louisiana, Oklahoma, Arizona and Texas
Dismemberment
Single loss of Toe or Finger	$500	$1000
Multiple loss of Toe or Finger	$1000	$2000
Single loss of Hand, Arm, Foot, Leg	$5,000	$10,000
Multiple loss of Hand, Arm, Foot, Leg	$10,000	$20,000
Single loss of sight	$5,000	$10,000
Multiple loss of sight	$10,000	$20,000
• 24 Hour Coverage Worldwide • Issue Ages 0 - 75 • Pays in addition to any other coverage • Guaranteed renewable to age 80 • $50,000 or 100,000 of Accidental Death Benefit

Accident Disability Income Plan

24 Hour Accident Disability Income Plan

YOU and Your Ability to Earn an Income!
Can you afford not to protect the one asset that your entire lifestyle depends on?
Think about it.......... If you had an accident and lost the ability to earn an income:

How much money do you and/or your family need to survive?
Where will that money come from?
Who is going to lend money to a disabled person with no income?
Is your current lifestyle dependent on two incomes?
Can you get fair market price for anything when you are forced to liquidate?

The solution.........
Protect your ability to earn an income with Provident American’s 24 Hour Accident Disability Income Plan!

Accident Disability Payment Plan Features
Pays up to 60% of gross monthly earnings
Pays up to 60% of gross monthly earnings	Optional Benefits
Issue Ages 18-60	• A D & D Rider for $50,000
Monthly benefits of $500, $1,000, $1,500, $2,000 or $2,500	• A D & D Rider for $100,000
Choice of 12 month, 24 month, 36 month or 60 month benefit periods	Get a Quote • Now!
Choice of 14 or 30 day Elimination Periods	Please review the Covered Occupations lists to determine which occupation type you qualify for. This is relevant to quote generation.

Accident Disability Income Plan - Covered Occupations

Type I Acceptable Occupations
Advertising Architects Cartographers Computer employees Data entry and information processing workers Dispatchers Engineering and natural sciences managers (not in field) Engineers Executives	Financial analysts Financial clerks Funeral directors Healthcare support occupations Information and record clerks Librarians Life scientists Lodging managers (office duties only) Medical and health services managers Office employees Physical scientists	Production, planning and expediting clerks Property, real estate and community association managers Public relations specialists Purchasing managers, buyers and purchasing agents Retail employees (in store) Science technicians Surveyors Teachers
Type II Acceptable Occupations
Aerospace manufacturing Agricultural services (not in field) Animal care and service workers Artists Automotive body and related repairers Automotive service technicians and mechanics Brick masons, blockmasons and stonemasons Building cleaning and ground maintenance Cable and other pay television services Carpenters Carpet, floor and tile installers and finishers Casino employees Cement masons, concrete finishers, segmental pavers and terrazzo workers Childcare workers Clinical laboratory technologists and technicians Coin, vending and amusement machine servicers and repairers Community and social services Construction and building inspectors Construction equipment operators Construction laborers Construction managers (on site) Correctional treatment specialists Counselors Dental hygienists Designers Diagnostic medical sonographers Drug manufacturing	Drywall installers, ceiling tile installers and tapers Electrical and electronics installers and repairers Electricians Elevator installers and repairers EMT and paramedics Engineering managers (in field) Food preparation occupations Food service managers (in production) Glaizers Grocery store employees Hazardous materials removal workers Heating, air-conditioning and refrigeration mechanics and installers Heavy vehicle and mobile equipment service technicians and mechanics Home appliance repairers Hotel, motel and resort desk clerks Industrial machinery installation, repair and maintenance workers Industrial production managers (on floor) Insulation installers Jewelers and precious stone and metal workers Line installers and repairers Machine setters, operators and tenders (metal and plastic) Machinists	Material recording, scheduling, dispatching and distributing occupations (except postal workers) Media and communications Medical and dental assistants Motor vehicle and equipment manufacturing Natural sciences manager (in field) Nuclear medicine technologists Nurses Painters and paperhangers Pharmacy technicians Pipe layers, plumbers, pipe fitters and steamfitters Plant and systems operators Plasterers and stucco masons Printing and publishing Probational officers Roofers Sheet metal workers Small engine mechanics Social workers and assistants Textile mill products Textile, apparel and furnishings occupations Therapists Tool and die makers Truck and warehousing Truck drivers and driver/sales workers Woodworkers

Occupations not covered by this plan

Agricultural productions and services
Air transportation occupations
(except office workers)
Amusement and recreation services
Attorneys
Barbers
Boiler operators and boilermakers
Bus drivers
Chiropractors
Clergy
Conservation workers
Cosmetologists
Court reporters
Dentists
Entertainers and performers
Federal employees

Firemen
Fishers and fishing vessel operators
Forest workers
Highway workers
Insurance agents and financial advisors
Judges
Judicial workers
Logging workers
Mining and quarrying workers
Oil and gas extraction workers
Pharmacists
Physician assistants
Physicians
Podiatrists
Policemen
Private detectives

Professional sports and related occupations
Rail transportation occupations
(except office workers)
Ranchers
(in field)
Recreational therapists
Security guards
State employees
Structural and reinforcing iron and metal workers
Surgeons
Taxi drivers and chauffeurs
Water transportation occupations
Welding, soldering and brazing workers

Critical Illness Products

Critical Illness Plan

Critical Illness Insurance

“Not because you are going to die, but because you are going to live.” ~Dr. Marius Bernard

Who do you know who’s had:
...cancer ?
...a heart attack ?
...a stroke ?

Who planned to be on that list ?
• Every 26 seconds, someone in the U.S. is diagnosed with cancer.
• Every 29 seconds, someone in the U.S. suffers a coronary event.
• Every 29 seconds, someone in the U.S. suffers a stroke.

This Year In the United States:
• 1,277,500 people will be diagnosed with cancer (1)
• 1,095,000 people will have a new or recurrent heart attack (2)
• 584,000 people will suffer a new or recurrent stroke (2)

You will survive....
• The 5 year survival rate for all cancers is 62% (1)
• The one year stroke survival rate is 78% (2)
• The one year heart attack survival rate is 75% (2)

(1) 2002 Cancer Facts & Figures, American Cancer Society
(2) 2002 Heart & Stroke Statistical Update, American Heart Association

“Critical
Illness
Insurance
meets a need
traditional insurance
products don’t
...... the price of survival”

Get a Quote • Now!

Now you can get a quote online!

Online Application

Now you can fill out an application online!

How Can the Proceeds Be Used?

Let Us Help You Take Care Of It
Our Critical Illness pays you a lump sum benefit upon diagnosis of one of the following events:
• Cancer not in-situ
• Cancer in-situ (reduced benefit)*
• Heart Attack
• Stroke
• Major Organ Transplant
• End Stage Renal Disease
• Paralysis
• Coma
• Major Burns
• Accidental Loss of Sight
• Accidental Loss of Hearing
• Accidental Loss of Speech

*For a first ever diagnosis the benefit amount is equal to 10% of the current face amount

• Medical cost not covered by insurance
• Co-payments and deductibles
• Alternative treatments
• Loss of income -Disability Insurance only pays part of your former income amount
• Bills, mortgage, and debts don’t go away just because you are ill
• Transportation for treatment
• Spouse’s time off
• Specialized diets or equipment
• Child or adult daycare
• Treatment by a physician/ facility of your choice

Plan Features

Return of Premium

This Feature Creates a No Loss Situation If the policy has not terminated prior to the Insured’s death, then a benefit equal to the sum of all premiums paid on this policy to date minus any benefit paid will be paid upon the Insured’s death to the Beneficiary, if alive or to the Beneficiary’s estate if not.

Reduced Benefits

Beginning the Policy year immediately following the Insured’s 65th birthday or 5 years from the policy date, whichever is later, the amount payable for the remaining years the policy is enforce will be 50% of the amount otherwise payable.

Effective Date

Insurance will become effective only after receipt of application, required premium, approval by Provident American and before any change in insurability of the applicant. Provident American reserves the right to reject any application which does not meet its underwriting requirements.

• Issue Ages 18 to 65
• Minimum Face Amount $5,000
• Maximum Face Amount $250,000
• Guaranteed Renewable For Life
• No Survival Period
• Return Of Premium

Annual Premiums Per $1,000 • Get a Quote

Policy Fee $3.00 per Month

AGE

MNT

MTU

FNT

FTU

18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

4.97
5.05
5.13
5.21
5.29
5.37
5.45
5.53
5.78
6.03
6.28
6.53
6.78
7.21
7.64
8.06
8.49
8.92
9.46
9.99
10.53
11.06
11.60
12.19
12.78
13.37
13.96
14.55
15.72
16.89
18.06
19.23
20.40
21.23
22.06
22.88
23.71
24.54
25.65
26.75
27.86
28.96
30.07
32.08
34.10
36.11
38.13
40.14

8.30
8.45
8.60
8.75
8.90
9.05
9.20
9.35
9.79
10.23
10.66
11.10
11.54
12.28
13.02
13.77
14.51
15.25
16.16
17.07
17.97
18.88
19.79
20.70
21.61
22.53
23.44
24.35
26.15
27.95
29.75
31.55
33.35
34.66
35.97
37.28
38.59
39.90
41.74
43.58
45.43
47.27
49.11
52.57
56.03
59.48
62.94
66.40

6.69
6.74
6.79
6.84
6.89
6.95
7.00
7.05
7.18
7.31
7.45
7.58
7.71
8.02
8.32
8.63
8.93
9.24
9.47
9.71
9.94
10.18
10.41
10.66
10.91
11.17
11.42
11.67
12.31
12.96
13.60
14.25
14.89
15.50
16.10
16.71
17.31
17.92
18.68
19.44
20.19
20.95
21.71
23.61
25.51
27.40
29.30
31.20

9.71
9.76
9.81
9.86
9.91
9.96
10.01
10.06
10.33
10.60
10.87
11.14
11.41
11.93
12.45
12.96
13.48
14.00
14.50
14.99
15.49
15.98
16.48
17.09
17.70
18.30
18.91
19.52
20.72
21.93
23.13
24.34
25.54
26.72
27.89
29.07
30.24
31.42
32.91
34.41
35.90
37.40
38.89
42.49
46.10
49.70
53.31
56.91

Modal Factors Annual 1.000; Semi- Annual 0.510
Quarterly 0.265: Monthly Direct 0.900 Monthly Draft 0.085

Dental Products

Dental Silver Plan

FAMILY & INDIVIDUAL DENTAL PLAN - SILVER

Provident American Insurance Company provides flexible, high quality insurance products that will protect our policyholders when they need it the most. Our products have been designed to offer protection for the health and well-being of families and individuals in every walk of life.

Covered Dental Services

Class I

Diagnostic - Routine exam once in 6 month period
Preventative - Teeth cleaning once in 6 month period
Radiography - Bitewing x-rays once in 6 month period for dependent children under age 18 and once in a 12 month period for dependent children age 18 and older, and full mouth x-rays or panographic x-rays when required by the Dentist but not more than once each 36 months

Class II

Restorative - Amalgam, filings
Oral Surgery - Extractions
Other - Space maintainers and recementation of crowns

Class III

Endodontics - Pulpal therapy and root canals
Periodontics - Gum diseases
* Coverage for insured Persons age 65 and older is limited to a maximum of $600 per calendar year
Crown and Cast Restorations
Prosthetics - Crowns, Bridges and Dentures

Benefits Per Calendar Year
	Per Insured
Maximum Per Insured	$750.00

Deductible Per Calendar Year
	Per Insured
Deductible per Insured	$75.00

Waiting Period
	Months
Diagnostic and Preventive Dental Services (Class I)	0
Basic Dental Services (Class II)	6
Major Dental Services (Class III)	18

Dental Coinsurance Amount
	Years
	1	2	3
Diagnostic and Preventive	90%	90%	90%
Basic Dental Services	60%	60%	60%
Major Dental Services	0%	50%	50%

Get a Quote • Now!

Now you can apply online. This product is available in the following states: Louisiana, Oklahoma, Arizona and Texas

Dental Plan Features

Choose any dentist
Issued to age 75
No waiting period for class I (preventive) dental coverage
Coverage for preventive, basic and major dental services

Please read the Exclusions and Limitations

Dental Gold Plan

FAMILY & INDIVIDUAL DENTAL, HEARING AND VISION INSURANCE PLAN - GOLD

Provident American Insurance Company provides flexible, high quality insurance products that will protect our policyholders when they need it the most. Our products have been designed to offer protection for the health and well-being of families and individuals in every walk of life.

Covered Dental Services

Class I

*Diagnostic - Routine exam once in 6 month period
*Preventative - Teeth cleaning once in 6 month period
*Radiography - Bitewing x-rays once in 6 month period for dependent children under age 18 and once in a 12 month period for dependent children age 18 and older, and full mouth x-rays or panographic x-rays when required by the Dentist but not more than once each 36 months

Class II

*Restorative - Amalgam, fillings
*Oral Surgery - Extractions
*Other - Space maintainers

Class III

*Endodontics - Pulpal therapy and root canals
*Periodontics - Gum diseases
*Coverage for insured Persons age 65 and older is limited to a maximum of $600 per calendar year
*Prosthetics - Crowns, Bridges and Dentures

Class IV

*Orthodontia - Only Dependent children up to age 19

Benefits Per Calendar Year
	Per Insured
Plan Maximum	$1200.00
Benefits for Dental, Vision and Hearing will be combined and can not exceed the calendar year plan maximum.
Dental Maximum	$1200.00
Orthodontia Maximum * Lifetime maximum $1,000	$350.00
Vision Maximum	$150.00
Hearing Maximum	$300.00

Deductible Per Calendar Year
	Per Insured
Dental (Class I, Class II and Class III)	$75.00
Vision	$75.00
Hearing	$75.00
Orthodontia Dental Services	$100.00*
*Lifetime

Waiting Period
	Months
Diagnostic and Preventive Dental Services (Class I)	0
Basic Dental Services (Class II)	6
Major Dental Services (Class III)	12
Orthodontia Dental Services (Class IV)	12
Vision	0
Hearing	0

Dental Coinsurance Amount
	Years
	1	2	3
Diagnostic and Preventive	80%	90%	100%
Basic Dental Services	60%	70%	80%
Major Dental Services	0%	40%	50%
Orthodontia Dental Services	0%	40%	50%

Vision Coinsurance Amount
COVERED SERVICES	Years
	1	2	3
Exams/refractions	80%	80%	80%
Glasses	80%	80%	80%
Contacts	80%	80%	80%

Hearing Coinsurance Amount
COVERED SERVICES	Years
	1	2	3
Exams	80%	80%	80%
Hearing Aids	80%	80%	80%

Get a Quote • Now!

Now you can apply online. This product is available in the following states: Louisiana, Oklahoma, Arizona and Texas

Choose your own dental, vision and hearing provider
Issued to age 75
No waiting period for vision coverage
No waiting period for hearing coverage
No waiting period for class I
(preventive) dental coverage