Unveiling the Benefits of Professional Educators of Tennessee
Professional Educators of Tennessee (PET) provides its members with a range of valuable benefits and services. These offerings aim to support educators' financial well-being, health, and professional lives. As a valued member, you are eligible to receive many discounts on a variety of products and services. Members who utilize these services and discounts often find they recoup the cost of their dues and more.
Financial Security and Insurance Options
One of the main advantages of being a member is access to affordable supplemental insurance. AMBA specializes in providing retired educators and other public employees with quality coverage at competitive rates. If you’ve had trouble getting supplemental insurance at a reasonable rate, here’s your chance! Here's a breakdown of some key financial and insurance benefits:
Term Life Insurance
Term Life insurance is basic, affordable protection essential to your family’s overall financial planning. Our Term Life Answers products are available in the following face amounts with full underwriting: Term 10, 15, 20 and 30: $100,000 and above.
Tax-Deferred Asset Protection
If you never want to get jolted by sudden changes in the stock market, then a Tax-Deferred Asset Protection may be for you.
Long-Term Care Insurance
A Long-Term Care insurance policy can ease the financial burden on your loved ones. Long-term care today can cost $75,000 a year or more. Accident recovery typically gets more challenging with age, which could set you back financially as well as physically.
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Medical Access & Service Advantage (MASA®)
One ride to the hospital could cost you thousands of dollars out of pocket, and air transport could add up to $50,000 or more. Medical Access & Service Advantage (MASA®) helps ensure a medical emergency does not also become a financial emergency. It protects you from expenses Medicare and insurance plans often leave behind.
Recovery Care Insurance
If you’re like most people sidelined by an accident or health issue, you’d prefer to recover in the comfort of your own home. However, the cost of recovery, whether in a hospital or skilled nursing facility, is not always covered by standard health insurance. Costs for hospital stays and for at-home and nursing facility recovery can be devastating, including rehabilitation. This insurance can help you manage your expenses and preserve your savings.
Hospital Indemnity Insurance
It’s no secret that hospital visits can be expensive. However, there are other hospital expenses that can prove costly, as well, including transportation and more.
Health and Wellness Benefits
PET members have access to insurance plans and services that support their health and well-being.
Dental and Vision Insurance
Dental and Vision policies are not available in all states. Those states include, but are not limited to AK, DE, HI, ME, ND, NH, NJ, NY, RI, SD, VT, NM, WA. Reimbursement percentages are based on the maximum plan allowance charges for services in your geographical area. All services are subject to limitations and exclusions. This information is provided by Ameritas Life Insurance Corp (Ameritas Life). This is not a certificate of insurance or guarantee of coverage. Dental and hearing care products (9000 Rev. The Dental network is not available in RI. You may view the West Virginia Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online. In TX, our dental network and plans are referred to as the Ameritas Dental Network. affiliate Ameritas Holding Company or Ameritas Mutual Holding Company.
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Examples of Dental Coverage Costs (M.C.E.):
- $40 (bitewing 4 image)
- $87 (2 surface amalgam)
Hearing Healthcare
Most insurance plans don't cover hearing healthcare.
Cancer Survival
Many advanced treatments that could increase your chances for cancer survival are not available locally. High Calendar Year Maximum - And ability to carry over some unused maximum to the next year.
Additional Benefits
ID Protection
Our world continues to become increasingly connected to the Internet, which puts your assets, family, reputation, and privacy at risk. That’s where ID Protection comes in.
Legal Services
Protect yourself and your family with a legal services plan.
Important Considerations
It is important to remember that the availability of specific discounts and services may vary. The following list is not comprehensive, and we do not guarantee that any of the below are available at this time. * Products and services listed are provided as a service to our members and do not constitute an endorsement by our organization or a representation regarding the products quality or characteristics. Professional Educators of Tennessee makes no warranties, expressed or implied, including the warranties of merchantability or fitness for a particular purpose regarding any products or services in the Professional Educators of Tennessee Member Discount Program. Please note that some discounts may not be available in select locations. Most importantly we encourage you shop products for the highest quality, and seek the best price possible.
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Disclaimer: This highlight is not a certificate of insurance or a guarantee of coverage. Premium rates may change upon renewal and can be adjusted for the entire group or a specific class in the group policy. Benefits are subject to change upon agreement between the carrier and the participating organization.
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