MEGA provides affordable health insurance for small business owners, individuals and their families.

The MEGA Life and Health Insurance Company

Additional Information:

Administrative Office: North Richland Hills, TX. MEGA is licensed in the United States, except in New York. A licensed insurance agent can provide you with benefit details, exclusions and limitations; or you may contact the Company for your state's information.

Plans and benefits vary by state and may not be available in your state. Optional benefits require additional premium. The Company's market varies by state.

Alabama, Alaska, Arizona, Arkansas, California, Connecticut, DC, Delaware, Florida, Iowa, Illinois, Indiana, Maryland, Michigan, Missouri, Mississippi, N. Carolina, Nebraska, New Mexico, Nevada, Ohio, Oklahoma, Pennsylvania, Rhode Island, S. Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, West Virginia, Wyoming: Association membership is required for access to MEGA's insurance plans. Association Group Insurance Plans (Form # 26025-P (CCHBP) and (SSMB), 26026-P (CCHBP) and (SSMB), 25875-P, 25876-P, 25877-P, 25314-P or state variation)

Colorado, Georgia, Idaho, Kansas, Kentucky, Louisiana, Maine, Montana, New Hampshire, and Oregon: Association membership is optional and not required for access to MEGA's insurance plans. Individual Insurance Plans (Form # 26025-IP, 26026-IP, 25875-IP, 25876-IP, 25877-IP or state variation)

Hawaii, Minnesota, New Jersey, New York, North Dakota, South Dakota, and Vermont: Insurance Plans are not available in your state.

Massachusetts: Association membership is required for access to MEGA's association group health insurance plans (Forms 25875-C-MA(707) and 25876-C-MA(707)) that are available to eligible individuals and small employer groups with one to five employees. Association membership is not required for access to MEGA's small employer plans (Forms 25875-C-MA(707) and 25876-C-MA(707)) that are available to small employer groups with six or more employees.

Washington: You must be part of a group to be eligible for this offer. All Eligible Employees of the Employer will be eligible for health insurance under the Employer's membership in the Association. Optional benefits are not available in WA.

Dental: Form #25879-P, or your state's variation. $50 Deductible per insured per calendar year, $1,000 Calendar Year Maximum per insured, per calendar year. Orthodontia rider (Form #25880) is available ONLY for insured persons under age 19, $50 per month benefit maximum per insured person, $1,000 per insured person lifetime maximum benefit, 12 month waiting period. Additional premium is required.

Vision Insurance : Form #25213-P, or your state's variation. One free exam per 12 month period for a prescription for eyeglass lenses. Contact lens examination will require additional fees. Additional premium is required.

Universal Life Insurance-Cash Accumulation: Cash accumulation is dependent upon premiums paid, interest credited, administrative fees and cost of insurance. Policy may terminate should cash accumulation not be sufficient to cover charges and fees due. Consult a tax advisor for your particular situation.

A.M. Best: A.M. is an independent rating agency who evaluates and rates the financial strength of insurance companies. Ratings are reviewed and affirmed annually. A.M. Best rating is the 4 th highest of 16 ratings, see www.ambest.com for complete information.

Freedom to choose doctors & hospitals-Benefits reduced on PPO plans for non-network services.

"Usual & Customary" means the charge which is the smallest of the actual charge, the providers charge, or the prevailing charge in a set location.