Why S.H.O.P Coverage makes sense

Having health insurance can help protect your hard-earned savings.  The Supplemental
Health Options Policy (S.H.O.P.) can help you cover some of the costs associated with
hospital care.  So you can help protect your future, as well as your families with this
important coverage.

Health insurance is a good way to help pay the costs of medical treatments that may be
necessary, but most plans offered to day don't pay all the costs if your treatment requires an
extended stay in the hospital.

The average length of stay in a hospital is five days.**

Think about
protecting yourself and your family.  Even just a couple of days in the hospital
could be costly to you.  
Lost of income, medicines and therapy can quickly add up.

S.H.O.P. Insurance Coverage might be right for you if:

  • You couldn't afford the extra costs that come with hospitalization
  • Your saving are small or earmarked for other goals
  • You don't have and emergency fund to cover your medical insurance deductible
    and co-payment amounts
  • You want supplemental hospitalization coverage that's not tied to an employer
  • You have a family you would like to keep financially secure, in illness and in health

What you Get:

  • Benefits paid directly to you unless your benefits are assigned to someone else
  • Benefits paid regardless of your other coverage
  • Competitively priced coverage you can choose to match your budget
  • Additional riders included with the packages:  Initial Hospitalization, Surgery and
    Anesthesia, Inpatient Physician's Benefit, Outpatient Physician's Benefit, Out
    patient Emergency Accident (Platinum Plan only), Transportation and At Home
    Nursing.  click here for further details
**Centers for Disease Control and Prevention (CDC), 1999.
JAGDIRECT  Can offer your business more than you might think.

A basic goal of any business is to make money.  To achieve this goal, many companies focus mainly on the day-to-day operations of the business.  After all,
if a business fails to make a profit, everything else eventually becomes irrelevant. But a business with
long-term success in mind needs to also consider the
future.  This includes not only
strategic planning for the business itself, but also developing a strategy to attract and keep top rate employees along with
planning for your own unique goals as a business owner. To ignore these parts of your business means you may miss a
great opportunity for future growth.  
Or, worst-case scenario, you may actually jeopardize the survival of your business.  Fortunately there is a
wide range of strategies that you, as a business
, can consider to integrate today and tomorrow's business goals.

Business Insurance
As a business owner; securing your business for the long-run takes a strategy that works on all fronts by responding to your individual, business and
employee needs. What safeguards do you have against the
liabilities and risks that come with managing your business? What are your plans for the
continuation of the business after your death
, or the death of a partner or a key employee? What benefits do you offer employees to maintain their security
and loyalty? How about your own financial needs?

There’s a lot to consider, but—odds are—you’re not the type to shy away from resolving them. As your local
Health Benefits agent, I can give you some helpful
information for responding to these and many other questions you may have about
protecting your hard-earned investments. Together, we can figure out
coverage options, limits and deductibles fit your business. And, as you continue to review, change and renew your business insurance, health
insurance, accidental death insurance, cancer insurance, lost of limbs insurance or a disability insurance and Supplemental Insurance  Policy
—I’ll be
there to help with any other products you may need.
 click here for further details
Supplemental Insurance for the Workplace

You may not think of offering employee insurance benefits as a strategic aspect of your
business. However, when you effectively communicate your
affordable, quality health
benefit plan
, it can be a major factor in recruiting, retaining and maintaining loyal

No-Cost Benefit Communications
JAGDIRECT Employee Health Benefits can help you simplify the employee insurance
process. To start, they provide your employees with a detailed benefit
communications package at no cost. Once your employees choose their
benefit options,
they can pay their premiums through electronic payroll deduction, thus simplifying the
enrollment and billing processes.

Product Offerings
You can choose from a wide range of Supplemental Insurance products to address your
employees’ coverage needs, including Accident, Major Health, Cancer, Disability Income,
Critical Illness, Dental, Hospital Indemnity and Life Insurance.
click here for further details
Welcome to JAGDIRECT!
A group health plan is an employee welfare benefit plan with extensive strategic
established or maintained by an employer or by an employee organization (such
as a union), or both, that
provides medical care for participants or their dependents
directly or through
insurance, reimbursement, or otherwise.
Accident Insurance
With Expanded Benefits

On- or off- the job including a
disability income plus an optional

An accident can wreak havoc on
your savings if you're not prepared.  
That's why there's
.  It gives you a cushion
help cover medical expenses
and living cost when you get hurt

On average there are 11
unintentional-injury deaths and
about 2,330 disabling injuries every
hour during the course of a year.*

Accident insurance can pay you a
lump sum benefit for
on-or off- the-
job accidental injuries
, plus some
medical benefits.  Because
accident insurance is
supplemental, it works in addition
to other insurance you may have.  
You can use the policy on its own
or to fill a gap left by your other

  • Benefits paid directly to you
    unless assigned
  • Benefits paid regardless of the
  • Coverage for you, or you and
    your family
  • Guaranteed renewable to age
    70, subject to change in
    premiums by class

Would your finances survive an
accidental injury?

Injury Facts, National Safety Council, 2003.
S.H.O.P Insurance
Supplemental Health Options Policy

Because you work hard for your family, it makes sense to be sure they will receive the
health care they need.  This
supplemental health insurance can help out.  It gives you:

  • Coverage for hospital stays

  • Coverage for intensive care

  • First day coverage for both accident and sickness

How it Works

Because each person's medical
are not the same, we
pre-packaged three variations of
S.H.O.P. Policy to help you choose
a plan that meets your and your
family's specific medical needs.

Each pre-packaged policy consists
of a base policy which includes:  a
hospital confinement benefit,
hospital intensive care unit benefit
and waiver of
premium benefit.  
Additional riders are included with
each package and may vary in
coverage limits as well as number
of riders included.

The Silver Plan
Includes the base policy and six
additional riders which provide you
with coverage limits at a lower
premium than the Gold or Platinum

The Gold Plan
Includes the base policy and six
additional riders which provide you
with coverage limits at a lower
premium than the Platinum Plan.

The Platinum Plan
Includes the base policy and seven
additional riders which provides
you with greater coverage limits.
We offer services for  Business Employee Health Benefits, Home & Auto Insurance, Life Insurance, Accidental Death Insurance, Long Term Care Insurance, Cancer & Disability
Insurance throughout the Lone Star State of Texas:
Abilene, Addison, Alamo, Alamo Heights, Aldine, Alice, Allen,Alvin, Amarillo, Anderson Mill, Andrews, Angleton, Aransas Pass, Arlington,
Atascocita, Athens,
Austin, Azle, Bacliff, Balch Springs, Bay City, Baytown, Beaumont, Bedford, Beeville, Bellaire, Bellmead, Belton, Benbrook, Big Spring, Boerne, Bonham, Borger, Brenham, Bridge
City, Brownfield, Brownsville, Brownwood, Brushy Creek, Bryan, Burkburnett, Burleson, Canyon, Canyon, Lake, Carrollton, Carthage, Cedar Hill, Cedar Park, Channelview, Childress, Cinco Ranch,
Cleburne, Cleveland, Cloverleaf, Clute, College Station, Colleyville, Commerce, Conroe, Converse, Coppell, Copperas Cove, Corinth, Corpus Christi, Corsicana, Crockett, Crowley, Crystal City, Cuero,
Dalhart, Dallas, DeSoto, Deer Park, Del Rio, Denison, Denton, Dickinson, Donna, Dumas, Duncanville, Eagle Mountain, Eagle Pass, Edinburg, Eidson Road, El Campo, El Paso, Ennis, Euless, Fabens,
Farmers Branch, Flower Mound, Forest Hill, Fort Bliss, Fort Hood, Fort Stockton, Fort Worth,
Fredericksburg, Freeport, Fresno, Friendswood, Frisco, Gainesville, Galena Park, Galveston, Garland,
Gatesville, Georgetown, Gladewater, Glenn Heights, Gonzales, Graham, Grand Prairie, Grapevine, Greatwood, Greenville, Groves, Haltom City, Harker Heights, Harlingen, Henderson, Hereford, Hewitt,
Hidalgo, Highland Park, Highland Village, Highlands, Hillsboro, Hitchcock, Homestead Meadows South, Hondo, Houston, Humble, Huntsville, Hurst, Ingleside, Iowa Park, Irving, Jacinto City, Jacksonville,
Jasper, Jersey Village, Jollyville, Katy, Kaufman, Keller, Kerrville, Kilgore, Killeen, Kingsville, Kirby, La Feria, La Homa, La Marque, La Porte,
Lackland AFB, Lake Dallas, Lake Jackson, Lakeway
Lamesa, Lampasas, Lancaster, Laredo, League City, Leander, Leon Valley, Levelland, Lewisville, Liberty, Littlefield, Live Oak, Lockhart, Longview, Lubbock, Lufkin, Lumberton, Mansfield, Marlin, Marshall,
McAllen, McKinney, Mercedes, Mesquite, Mexia, Midland, Midlothian, Mineral Wells, Mission, Mission Bend, Missouri City, Monahans, Mount Pleasant, Nacogdoches, Navasota, Nederland,  New Braunfels,
New Territory, North Richland Hills, Odessa, Orange, Palestine, Palmview South, Pampa, Paris, Pasadena, Pearland, Pearsall, Pecan Grove, Pecos, Perryton, Pflugerville, Pharr, Plainview, Plano,
Pleasanton, Port Arthur, Port Lavaca, Port Neches, Portland, Raymondville, Rendon, Richardson,Richland Hills, Richmond, Rio Grande City, River Oaks, Robinson, Robstown, Rockport, Rockwall,
Roma, Rosenberg, Round Rock, Rowlett, Sachse, Saginaw, San Angelo,
San Antonio, San Benito, San Elizario, San Juan, San Marcos, Santa Fe, Schertz, Seabrook, Seagoville, Seguin, Sherman,
Silsbee, Slaton, Snyder, Socorro, South Houston, Southlake, Spring, Stafford, Stephenville, Sugar Land, Sulphur Springs, Sweetwater, Taylor, Temple, Terrell, Texarkana, Texas City, The Colony, The
Woodlands, Tomball, Trophy Club, Tyler, Universal City, University Park, Uvalde Vernon,
Victoria, Vidor, Waco, Watauga, Waxahachie, Weatherford, Webster, Wells Branch, Weslaco, West Livingston,
West Odessa, West University Place, Wharton, White Settlement, Wichita Falls, Windemere, Woodway, Wylie.
© 2005- 2007 JAGDirect; jag insurance & benefit services; all rights reserved.
Employee Health Plans & Benefits
Major Health Insurance

Individual Health Plan
  • PPO plan with choice of four deductibles
  • Initial 12-month rate guarantee
  • Opportunity to purchase optional benefits, including dental, office visit co-payment,
    $0 Rx deductible

Health Savings Account (HSA)
A new choice for those who need a high deductible health plan and want a tax-free, tax-
deductible savings
account to handle their out-of-pocket medical expenses.
  • PPO plan with choice of three deductibles and two coinsurance options
  • Savings account administered by one of the nation's most well-known banks

All plans include the following key features:
  • Fast telephone applications and quick eligibility decisions
  • Extensive network of providers that offer extensive strategic planning
  • Personal, professional customer service
JAGDIRECT offers coordinated health insurance coverage and related services to
employer groups, government-sponsored plans, and individuals.

Providing "one-stop" shopping for a complete benefits package
Our specialty products - dental, life, and disability insurance - complement our core health
JAGDIRECT Insurance Plans provides health benefits and related services to
companies ranging from two to tens of thousands of employees.
also offers a wide range of products and services designed specifically to meet
the needs of
small businesses, as well.  click here for further details
Car Insurance
Coverage Options

Depending on your situation,
your car insurance coverage
needs will vary. Whether
you're buying a new car or
adding your teenager to your
car insurance policy,
JAGDIRECT has auto
insurance coverage
that can help provide the
liability, property and injury
that are right for
you. And, if you drive a safe
car or if your teenager has
good grades, you may even
qualify for our auto
insurance discounts.
click here for further details
Strategic Planning & Workplace Solutions  

JAGDIRECT Strategic Planning is constantly striving to provide benefit solutions for our customers.  With a considerable portion of operating budgets going
employee related expenses, it seems logical to look for ways to lower costs.  Business today view cost containment as an important  key to their
success.  Our commitment to finding
workplace solutions through employee-funded benefits, coupled with benefit communication services, has grown our
list of satisfied customers far and beyond what we had projected.

Employee funded benefits,
conveniently payroll deducted, are popular because they include streamlined underwriting and portability.  And added incentive
is the appreciations extended to
employers by employees who see their insurance needs being met. click here for further details

We offer a wide array of life
insurance products that can
protect your business from
the death of an owner or a
key employee.  We can work
with you to help assure that
your business remains
financially secure and that a
smooth transition of control
and ownership takes place.

Our Services Include:

Auto & Motorcycle Insurance

Home Owners Insurance  

Major Medical Insurance  

Property and Casualty

Insurance   Products  Life
Insurance and Annuities  

Long-Term Care Insurance  
Cancer, Accident and
Disability Insurance

Protection  Banking
Products & Services

All these services are
available to you and your
business employees.  With
the one of the Nation's  
Leading Insurance Company
we're able to provide you the
best Insurance Products
Click above on the Insurance
Product you're thinking of to
get started.   
JAGDIRECT can assist
you in finding the right
health benefits plan for You
and Your Employees.