• Calendar Year Deductibles
• Maximum of two deductibles (Comprehensive) or three deductibles
(Popular & Economical) per family per calendar year
• Fourth quarter Deductible Carryover Credit
• No separate Non-PPO Deductible Benefits
• No separate benefit maximum for covered organ transplants
• No calendar year limit on covered outpatient
prescriptions
(Comprehensive & Popular and, if option elected, on
Economical Plan)
• Preventive Care Benefits on all plans
• Emergency Care received outside the U.S.
• Common Accident Deductible
• Spinal Manipulation
• Home Health Care and Hospice Care
• Physician Office Visits
• Optional 24-Hour Occupational Coverage and
Optional
Supplemental Accident Benefits Premiums
• Family Premium Discount
• Premiums can not be increased on an individual
basis because
of claims experience
• Preferred Health Discount for qualified
individuals ages 1 8
through 39 PPO Networks
• Multiple PPO networks to choose from, including a
national
PPO network
• No balance billing when utilizing a PPO provider
• No claim forms to complete when utilizing a PPO provider
• Medical emergency services, as defined in the
policy, paid at
PPO level of benefits; limited to usual, reasonable,
customary
charge
• Medically necessary services not available from a
PPO
provider and referred to a Non-PPO provider
considered for
payment at PPO level; limited to usual, reasonable,
customary
charge
Comprehensive Plan
provides you the highest benefits and
lowest out-of-pocket costs, in exchange fora higher monthly premium.
Our Popular
Plan
lowers your monthly premium through
higher out-of-pocket costs when you do use
medical services.
Our Economical
Plan
provides you the lowest premium cost
— saving you money every month on your
insurance — as you pay covered routine
medical costs through your deductible
and coinsurance when you use medical
services. If you stay healthy and don’t use
extensive medical services, you’ll have
premium savings over other insurance
plans.
Request
an
instant
health
insurance
quote
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If you have questions about our plans, please Contact Us.
