- No Health Questions Asked!
- Provides benefits for injury or sickness
- Benefits paid directly to you (unless you assign them to the doctor or hospital)
- In conjuction with any other insurance program
- No Deductible
- No Co-pays
- First Dollar Coverage
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| In Hospital Benefits |
advantage |
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Ultimate |
Plan Pays $500 per first day of confinement, $200 per subsequent day of confinement.
Maximum of 10 days per incident.
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Plan Pays $1,000 per first day of confinement, $500 per subsequent day of confinement.
Maximum of 30 days per incident. |
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| Covers hospitalization in a licensed facility as a result of an accident or sickness. Also covers Mental and Nervous and Alcohol and Substance Abuse at 50% of daily benefit. Plan pays $750 for the first day of confinement – 1 admission; plan pays $750 per day each additional day of confinement up to 30 days. |
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| Doctor Office Visit Benefit |
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| Plan Pays $25 per visit. Maximum of 5 visits per calendar year. |
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| Plan Pays $50 per visit. Maximum of 5 visits per calendar year. |
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| Plan Pays $70 per visit. Maximum of 5 visits per calendar year. Covers sickness or injury visits for adults and children to a doctor or licensed practitioner; also includes one wellness visit. May be used for services rendered in a hospital emergency room or urgent care center. |
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| Outpatient Diagnostic Testing Day Benefit |
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| Covers laboratory, imaging and testing services for accident or illness diagnosis in an outpatient setting. Plan pays for 1 test day at $500 per testing day. |
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| Surgical Benefit |
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| No Annual Maximum. Pays up to an amount equal to the unit value listed times the point value as shown in the policy’s surgical schedule. |
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| $2500 per Surgical Procedure. One Procedure. |
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| Anesthesia |
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| Covers anesthesia services provided during a surgical procedure at a licensed hospital, outpatient facility or physician’s office. Plan pays up to 20% of amount on Surgical Procedure Schedule. |
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| Medical Accident Benefit |
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| Pays up to $2,500 per accidental injury. Pays 100% after a $150 deductible per incident. |
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| Pays up to $5,000 per accidental injury. Pays 100% after a $150 deductible per incident. |
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| Accidental Death & Dismemberment Benefit (AD&D) |
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| Pays up to $5,000 for primary insured for accidental death and dismemberment. Covered spouse at $2,500 and covered child at $1,250. |
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| Pays up to $10,000 for primary insured for accidental death and dismemberment. Covered spouse at $5,000 and covered child at $2,500. |
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| Dental Benefit |
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Dental Savings Plan - Save up to 50% at over 40,000 dental providers nationwide.
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| Program will Reimburse Member up to $1,000 per year (after a $50 deductible). Can be used at any Dentist. Two cleanings per family member per year (deductible waived). Discounts at our network providers plus reimbursements! *12month waiting period on all major procedures – crowns, root canals, implants, etc. |
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| Pharmacy Benefit |
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| $15 Co-pay. Covers almost all Generics - Brand name drugs at low discounted prices.* |
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Mail Order Pharmacy Savings Plan - Up to 25% below Average Wholesale Pricing. Shipping included.
*$2,500 Maximum per year. |
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| Vision |
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| Vision Savings Plan - Save on exams, lenses, frames, etc. Save up to 50% nationwide. |
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| $15 Exam, one per family member per year. Discounts on frames, lenses and LASIK procedures. |
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| Networks Repricing/Discount Savings
& Medical Savings Plan |
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| Network repricing savings of 20-50% or more at over 700,000 providers. Nationwide network. |
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| Chiropractic Care |
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| Networks repricing savings of 50% on initial exams and consultations at over 10,000 Chiropractors. |
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| Alternative Medicine |
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| Network repricing savings of 25% at Alternative Health Practitioners. Includes: Acupuncture, Massage and much more. |
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| 24-Hr Nurse Hotline |
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| 24/7 toll-free telephone access to professional medical information and advice. |
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| Hearing |
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| Free hearing screening. Discounts on equipment. Nationwide network. |
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| Legal |
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| Free consultations by telephone or in person with an attorney in your area. 25-30% discounts for services. |
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| Emergency Medical Travel Assistance – Air Ambulance |
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| Protection when you or a family member is traveling more than 100 miles from home. Includes: Vehicle Return, Telephone Service, Insurance Coordination, Travel Medical Emergency Service, Emergency Cash Transfers and Hospital Deposit Guarantees, Emergency Eyeglasses and Prescription Drugs Delivery, and More. |
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| Tax & Finance |
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| Free consultations by telephone with qualified tax & financial experts. |
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* Note: See your plan documents or consult your agent for details including exclusions or limits of coverage.
