This
policy provides coverage for treatment to a maximum of U.S. $2,000,000.00 per
person annually, less the deductible as stated on the Certificate of Insurance
and the member's Identification Card. Deductibles are per person per policy
year. Families have a maximum of three (3) times the stated deductible per year.
BENEFITS
(See policy for complete list)
- Worldwide Coverage - has no geographical exclusions.
- $2,000,000 annual benefit maximum - relieves concern over limited coverage.
- No lifetime benefit maximum - complete peace of mind even for long-term
needs.
- Coverage for pre-existing conditions - eliminates concern over existing
medical conditions.
- Emergency medical air transportation - provides for air evacuation when
necessary.
- Dependents Coverage - allows for full coverage of dependents until age
21 or 24.
- HIV coverage including AIDS treatment - excludes coverage as a pre-existing
condition.
- Well baby care - covers up to 9 visits and up to 24 months for immunizations.
- Maternity benefit of $10,000.
- Emergency Room Treatment - covers standard emergency room expenses.
- Emergency Dental - $5,000 maximum for emergency treatment.
- Prescription drug coverage included.
- Acupuncture / homeopathy - annual coverage of $500.
- Preventive Care Benefit - if selected provides up to $200 or $400 per
year for physical examinations.
- Policies available with geographic restrictions
- Treatment for alcohol and drug abuse is covered through an online substance
abuse program.
- Mental health including Attention Deficit Disorder and Attention Deficit
Hyperactive Disorder.
EXCLUSIONS
(See policy for complete list)
- Charges in Excess of Usual and Customary - patient is responsible for
excess costs.
- Addictive Conditions - treatment as a result of drug and alcohol abuse
and self-inflicted injury.
- Reproductive Treatments - birth control pills, vasectomies, sexual dysfunction.
- Cosmetic and Elective Surgery - treatment not deemed medically necessary.
Disclaimer: please note this is a summary of the policy for
a detailed list of benefits and exclusions see the actual policy or contact
us for more information.
