REQUEST A QUOTE 1.855.774.4495 | Make A Claim | Forms | Careers Accident Protection BENEFIT INSURANCE POLICY Accidents happen—a lot. When facing an unexpected accidental injury, many of us assume our major medical insurance will cover related expenses. Unfortunately, even the best health insurance policies will likely leave us with out-of-pocket expenses, including deductibles, copays, childcare expenses or lost wages. What if you and your family could have a helpful safety net in case of a situation like this? State Mutual accident-protection policies are specifically designed to offset these extra out-of-pocket expenses when an accident occurs. Cancer LUMP SUM BENEFIT POLICY Cancer is one of the most common major illnesses that we face in America. Most of us know a friend or family member who has been impacted. Unfortunately, the heavy physical toll of cancer comes with a substantial financial burden, too. Major medical insurance covers much of the necessary medical care costs associated with various cancers, but there are also significant out-of-pocket expenses such as coinsurance, deductibles, lost wages, childcare costs and increased transportation expenses – which a cancer lump sum policy from State Mutual can help cover. Heart Attack and Stroke LUMP SUM BENEFIT POLICY Like cancer, heart attacks and strokes are common major illnesses, particularly as we grow older. If you experience a cardiovascular illness, your major medical insurance likely will not cover significant out-of-pocket expenses such as coinsurance, deductibles, lost wages, childcare costs and increased transportation expenses. State Mutual offers policies* designed to provide a safety net for these additional, unplanned expenses. Our policies* pay you directly if you or any other covered individual in your family experiences a heart attack or stroke. Chronic Disease LUMP SUM BENEFIT POLICY If you suffer from a chronic illness, your standard healthcare policy may not cover out-of-pocket expenses related to your primary physician, specialists, and numerous medications. No matter how well your care is coordinated, many costs simply fall through the cracks and may not be covered by primary insurance. State Mutual offers protection to guard against these unforeseen costs – and peace of mind to allow you to focus on getting better. Hospital Confinement LUMP SUM BENEFIT POLICY No one wants or expects an accident or injury requiring a hospital stay. If the unexpected does occur, most of us assume our major medical insurance will take care of expenses related to our hospital confinement. Unfortunately, no matter how brief the stay, even the best health insurance policies will likely leave us with extra out-of-pocket expenses. Add to that the often-overlooked costs of transportation, meals, lodging, childcare or lost wages. Are you and your family prepared? State Mutual removes the guesswork and provides supplemental protection policies that pay a lump sum to ease the burden of uncovered, surprise costs related to your hospital stay. Medicare Supplemental Insurance For seniors, Medicare pays for much, but not all, of the cost of covered healthcare services and supplies. Many people rely on Medicare supplemental insurance, also known as Medigap coverage, to help afford remaining out-of-pocket healthcare expenses. State Mutual can provide a Medicare supplemental plan that works best for your particular situation or needs. Disclaimer: Not all of our products are available in all states. The plans have exclusions, limitations and terms under which the plan may be continued in force. Availability, features, benefits and options may vary by state. Home About Us Our Policy Products News + Announcements Contact Make A Claim Forms Request a Quote Careers Neither State Mutual Insurance Company nor its Medicare Supplement Insurance Policies are connected with or endorsed by the U.S. Government. A licensed agent may contact you. CONTACT US! 210 East Second Ave, Suite 301 Rome, Georgia 30161 Post Office Box 153 Rome, Georgia 30162-0153 Corporate Office | 706-291-1054 Life Insurance | 833-508-0404 Medicare Supplement | 877-872-5500 Platinum Supplement | 877-822-0582 ©2021State Mutual Insurance Company Terms Of Use | Privacy Statement