INDIVIDUAL MEDICAL INSURANCE and Health Savings Accounts

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="039285a1erlcgo.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>LIFE, DISABILITY, MEDICAL, MEDIGAP, DENTAL, LTCI and ANNUITIES </B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="LIFE, DISABILITY, MEDICAL, MEDIGAP, DENT"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="038d2c00dkelyh.png"> <div> Veal Benefit Services Inc.</div> <div> W. Forrest Veal, CLU</div> <div> P. O. Box 700222</div> <div> Dallas, TX 75370</div> <div> 972 250 6516</div> <div> 1 888 845 8325</div> <div> Fax 1 775 542 0808</div> <div> E-mail -  vbsinsurance@juno.com</div> <bR> <div> <A HREF="https://www.etdbw.com/fh/ss/servlet/agententry?linkid=1b4fbf784a13608a" TARGET="_top" TITLE="https://www.etdbw.com/fh/ss/servlet/agen"><U><B>Affordable Health Insurance for College Students</B></U></A></div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>INDIVIDUAL MEDICAL INSURANCE and Health Savings Accounts</I></div> <div> <B>NOTE</B>: <FONT SIZE="3" COLOR="#0000FF" FACE="Arial" >Page down for HSA Information. </FONT></div> <bR> <div> The following links (under-lined company names) will take you to information about the medical plans available from the insurance companies named below.  <FONT SIZE="3" COLOR="#CC0000" FACE="Arial" >The sites for American Medical Security, Assurant Health - Time, Blue Cross and Blue Shield of Georgia, Celtic Life Insurance Company, Golden Rule Insurance Company and Unicare Life & Health Insurance Company will carry you to the companies web site where you can calculate your premium for the plans available, review plan information and even complete an on-line application.</FONT> The sites for the other companies not yet available on-line will provide an online form to complete and submit to receive an e-mail quote for the insurance company selected. The quotes will include instructions on how to complete and submit your application for coverage. If you have any problems with the sites or have questions, please call Forrest Veal.</div> <div>  </div> <div> 1. <A HREF="https://ips.aetna.com/Retail/Home_Login_Consumer.Aspx?bid=zXQ5TbxRa7U%3d" TARGET="_top" TITLE="https://ips.aetna.com/Retail/Home_Login_"><U>Aetna -</U></A> <B>(Available only in Texas) </B>- <FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>(HDHP quotes available)</B><A HREF="http://www.aetna.com/hsa/welcome_video01.html" TARGET="_top" TITLE="http://www.aetna.com/hsa/welcome_video01"><U><B> </B></U></A></FONT><FONT SIZE="3" COLOR="#111111" FACE="Arial" ><A HREF="http://www.aetna.com/hsa/welcome_video01.html" TARGET="_top" TITLE="http://www.aetna.com/hsa/welcome_video01"><U><B>Click to view HSA Video</B></U></A></FONT></div> <div> 2. <A HREF="id84.htm" TARGET="_top" TITLE="HEALTH SAVINGS ACCOUNTS and High Deducti"><U>American Medical Security</U></A> - <B>(Available in Georgia and Texas)</B><FONT SIZE="3" COLOR="#33FFFF" FACE="Arial" > </FONT><FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>New - on-line quotes including HDHPs that qualify for setting up a Health Savings Account. </B></FONT><FONT SIZE="3" COLOR="#111111" FACE="Arial" ><A HREF="http://eams.com/Universe/HSA/hsa.htm" TARGET="_top" TITLE="http://eams.com/Universe/HSA/hsa.htm"><U><B>Click to view HSA Video</B></U></A><B>.</B></FONT></div> <div> 3. <A HREF="https://consumer.eassuranthealth.com/im/Consumer/ease/AgentLink.aspx?LinkID=915234FC52EA1A7A" TARGET="_top" TITLE="https://consumer.eassuranthealth.com/im/"><U>Assurant Health - Time</U></A> <B>(Available in Ga. and TX.) </B><FONT SIZE="3" COLOR="#00FF33" FACE="Arial" ><B>(HDHP quotes available)</B></FONT> <A HREF="http://www.getahsa.com/time/hsa_main.swf" TARGET="_top" TITLE="http://www.getahsa.com/time/hsa_main.swf"><U><B>View HSA Video</B></U></A></div> <div> 4.<A HREF="http://pd.web.wellpoint.com:80/AgentConnect/first.do?CMPNY=1&ID=MCGPPKNQRZ&PID=&LNO=441218&Options=I" TARGET="_top" TITLE="http://pd.web.wellpoint.com:80/AgentConn"><U> Blue Cross and Blue Shield of Georgia</U></A> - <B>(Available only in Georgia) </B><FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>(HDHP quotes available)</B></FONT></div> <div> 5. <A HREF="id71.htm" TARGET="_top" TITLE="HSAs and qualified HIGH DEDUCTIBLE HEALT"><U>Celtic Life Insurance Company</U></A> -     <B>(Available in Georgia and Texas)</B> <FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><I><B>(New - Obtain quote and apply on-line including HDHP's for HSA's)</B></I></FONT></div> <div> 6.<A HREF="https://www.GoldenRuleHealth.com/Customer/Default.aspx?BrokerID=254507289" TARGET="_top" TITLE="https://www.GoldenRuleHealth.com/Custome"><U> Golden Rule Insurance Company </U></A>- <B>(Available only in Texas) </B><FONT SIZE="3" COLOR="#00BF00" FACE="Arial" ><B>(New - Obtain quote and apply on-line including HDHP's for HSA's)</B></FONT>            </div> <div> 7. <A HREF="id73.htm" TARGET="_top" TITLE="HIGH DEDUCTIBLE HEALTH PLANS AND HEALTH "><U>UNICARE Life & Health Insurance Company</U></A>-  <B>(Available only in Texas)</B> <FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><I><B>(New - Obtain quote and apply on-line) Quote includes HDHPs for HSA's.</B></I></FONT>  </div> <bR> <div> 8. <A HREF="id87.htm" TARGET="_top" TITLE="HEALTH SAVINGS ACCOUNT (High Deductible "><U>American National</U></A> - <B>(Available only in Texas) - </B><FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>(HDHP quotes available)</B></FONT></div> <div> <FONT SIZE="3" COLOR="#111111" FACE="Arial" >9</FONT>.<A HREF="id70.htm" TARGET="_top" TITLE="BLUE CROSS BLUE SHIELD OF TEXAS"><U> Blue Cross and Blue Shield of Texas </U></A>-   <B>(Available only in Texas)</B><B> </B><FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>(HDHP's quotes now available)</B></FONT></div> <div> 10. <A HREF="id77.htm" TARGET="_top" TITLE="HumanaOne"><U>Humana Insurance Company -</U></A>   <B>(Available only in Texas)</B>  <B> </B><FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><I><B>(HDHP  quotes now available)</B></I></FONT></div> <div> 11. <A HREF="id82.htm" TARGET="_top" TITLE="HEALTH SAVINGS ACCOUNT (High Deductible"><U>John Alden Life Insurance Company -  </U></A><B>(Available only in Texas)</B> <FONT SIZE="3" COLOR="#00FF00" FACE="Arial" ><B>(HDHP quotes available)</B></FONT></div> <div> 12. PacifiCare -<FONT SIZE="3" COLOR="#FF0000" FACE="Arial" > After purchasing American Medical Security, has now agreed to be purchased by United HealthCare that also owns Golden Rule Insurance Company. </FONT></div> <div>      </div> <div> If you would like a quote from an insurance company not listed above, you may click<B> </B><A HREF="id34.htm" TARGET="_top" TITLE="REQUEST FOR QUOTE"><U><B>"Request for Quote</B></U></A><B>" </B>to order your personal<B> </B>Proposal direct from Veal Benefit Services Inc. or you may call Forrest Veal to have a premium quote and brochure mailed to you. Forrest can review with you, your need for a plan of medical insurance and make recommendations for a plan to fit your needs.</div> <bR> <div> <B>HEALTH SAVINGS ACCOUNT (HSA) PLANS -</B></div> <bR> <div> Starting January 1, 2004, all individuals covered under a "qualified" high deductible health plan (HDHP) either individual or group and, 1. not covered by any other health plan unless such plan meets the definition of "permitted insurance", 2. not enrolled in Medicare, and 3. not claimed as a dependent on another person's tax return; may establish and contribute within guidelines to a health savings account. HSA's are very much like MSA's (Medical Savings Accounts) but with fewer restrictions. No new MSA's may be established after December 31,2003 and an individual with a MSA may continue to make eligible contributions or roll the account into a new HSA.</div> <bR> <div> <B>Return to the Table of Subjects by clicking on "home" in the above blue border.</B></div> </td> </tr></table></body>