Member Benefits:

The West Virginia Association of Retired School Employees has endorsed Association Member Benefits Advisors (AMBA) to provide the following supplemental benefits for its membership:

CLICK HERE for information on member benefits or to
enroll online in the dental & vision programs.

AMERITAS DENTAL INSURANCE
Ameritas dental insurance plan offers reasonable group rates for WVARSE members. With a $75 calendar year deductible per insured and a calendar year maximum benefit of $1,500 per insured, this plan allows you to use your own dentist, or you may choose a dentist from the Nationwide Dental Guard Preferred Provider Network and save up to 20-30%. You also receive two free cleanings and exams per year. All WVARSE members will receive an enrollment packet in the mail with all the plan details in the near future. For more information, call 1-800-487-5553.

VSP VISION PLAN
VSP has a network of thousands of doctors, located in rural and metropolitan areas throughout the nation. In fact, VSP's network is so comprehensive, that more than 90 percent of members have access to a VSP doctor within 10 miles of work and home. VSP doctors provide both eye exams and eyewear, making for a convenient "one-stop" means of obtaining eyecare benefits.

Click here to visit the VSP website to obtain additional information or to find a VSP doctor in your area. We think you'll like what you see!

LONG TERM CARE/HOME HEALTH CARE INSURANCE
AMBA will build a Long Term Care policy to match your own individual needs; you select the daily benefit amount, elimination period, and benefit period which best suits your needs for care. The Long Term Care Policy features include: no prior hospital stay and no waiting period for pre-existing conditions.

CANCER FIRST DIAGNOSIS INSURANCE          
The Cancer First Diagnosis plan pays money directly to you in one lump sum payment upon first diagnosis of internal cancer or malignant melanoma. You can select the lump sum payment of $10,000 to $50,000 that best fits your needs. This policy pays in addition to any other existing coverage you may have.                                                           

MEDICARE SUPPLEMENT INSURANCE
Medicare pays for some, but not all, of the health care expenses for people age 65 and over. Medicare Supplement Insurance is designed to help with your out-of-pocket health care costs by paying for some of these expenses depending on the plan you select to meet your personal needs and budget. You have the freedom of choice to select the doctors, hospitals, and clinics that you want, and you will never be cancelled because of age or health. You can select from Plans A, B, C, D, F and G. All benefits are paid in addition to any other existing coverage you may have.    

FIRST DIAGNOSIS HEART ATTACK
Upon first diagnosis of a heart attack, this plan pays in one lump sum benefits of $10,000 to $50,000 directly to you.

FINAL EXPENSE WHOLE LIFE INSURANCE
You can have peace of mind knowing that your premiums are guaranteed never to increase and your coverage is guaranteed never to decrease. Your cash values are accumulated on a tax-deferred basis. Death benefits paid to your beneficiary are tax free.

click here to view additional benefits.