Membership with Sickness & Accident Limited Benefit Cash Insurance
THIS PLAN PROVIDES LIMITED BENEFITS
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No reduction of benefits to age 70
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No Deductible or Co-pays
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Quality coverage available for all family members
Dependent child coverage available to age 26
Issue Ages 18 through 64
List bill for 5 or more employees
NATIONAL EMPLOYERS ASSOCIATION MEMBERSHIP
INCLUDES DISCOUNTS AND DIVIDENDS *
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MDhotline:
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Members have access to a nationwide network of medical doctors available 24 hours per day/7 days per week for consultation or routine medical needs through the convenience of a toll free phone number or via video over smart phone or computer camera, without having to take time to make an appointment or wait in line at a doctor's office. MDhotline maintains members' electronic medical records (EMR) in a highly secured, Internet accessible environment and makes this information available to our network doctors prior to a doctor consultation. Furthermore, a MDhotline Doctor can write a prescription where allowed by law when sufficient medical history is available. (MDhotline cannot write prescriptions for narcotics or DEA controlled substances.)
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PetAssure:
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We know your pets are part of the family! That's why we've included Pet Assure, the nation's largest pet discount plan, in your member benefits. With Pet Assure, you will save 25% on all in-house medical services provided by network veterinarians, including office visits, surgical procedures, x-rays, shots and dental care. It's as simple as that: there are no forms to fill out, no waiting for reimbursements and no denials of coverage. All pets in your household are covered - even older pets or pets with pre-existing conditions.
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Enhanced Benefit Card:
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Dental Savings 15% to 40% off or more with almost 175,000 Dental locations, Vision & LASIK Savings of 10%-50%, Lab Tests Savings of 10%-50%, RX Savings up to 65%, Hearing Savings up to 15%, Diabetic Supplies Savings of 15%-50%, X-Rays & Imaging Savings of 10%-50%.
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The Dividend Club:
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Members will earn Dividends (paid quarterly to you) on Merchandise, Services, Travel & Entertainment when you shop from our On-line Mall and make a purchase. Choose from retailers like these, just to name a few, and get the dividends: Walmart.com, Target.com, BestBuy.com, CircuitCity.com, CompUSA.com, DisneyStore.com, OfficeMax.com, BrooksBrothers.com, Brookstone.com, Buy.com, EddieBauer.com, LizClairborne.com, FOA.com, FOSSIL. com, HotelDiscounts.com, Jcrew.com, etc.
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GlobalFit:
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Guaranteed Lowest Rates on thousands of Gyms. Get Inspired & State Fit!
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Car Rental Services:
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Provides discounts at Alamo, National, Hertz and Avis.
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Rewards Network:
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America's Premier Dining Rewards Program and Hotel Discounts. Save up to 20% off every meal plus up to 15% off your hotel room rate.
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Also Included in your Membership is Life Insurance:
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After 6 months of membership, you & your covered dependents receive*;
$10,000 Life Insurance for covered Member
$10,000 Life Insurance for covered spouse
$3,000 Life Insurance for each covered child (child coverage is from age 6 months to age 21)
*In most states, pending state approval. Only those members working at least 25 hours a week are eligible for this life insurance. Group Term Life Insurance to age 65 Underwritten by Investors Heritage Life Insurance Frankfort, KY - Policy Number 4G0403
| Benefit Schedule* For Each Covered Family Member |
Plan 1 |
Plan 2 |
| Hospital Admission Benefit - first day(1) |
$1,500 |
$3,000 |
| PLUS In Hospital Indemnity - from the first day(2) |
$50 per day |
$100 per day |
| In Hospital Surgical Benefit(3) |
$1,000 (major);
$250 (minor) |
$2,000 (major);
$500 (minor) |
| Plus Outpatient Surgical Benefit(4) |
$1,000 (major);
$250 (minor) |
$1,000 (major);
$500 (minor) |
| Ground Ambulance(5) |
$250 |
$250 |
| ER Visit(6) |
$250 |
$250 |
Accident & Sickness Limited Benefit Cash Insurance
* Sickness & Accident benefits are limited as follows:
1. Hospital Admission Indemnity Benefit - one benefit for each covered person per Plan Year: Pays a benefit if a Covered Person is admitted to a hospital due to a sickness or as the result of an accident.
2. In-Hospital Indemnity Benefit - 10 days for each covered person per Plan Year: Pays a benefit for each day a Covered Person is confined in the hospital due to a sickness or as the result of an accident.
3. In Hospital Surgical Indemnity Benefit - one benefit for each covered person per Plan Year: Pays a benefit if a Covered Person has Major or Minor surgical procedure performed while In Hospital.
4. Outpatient Surgical Indemnity Benefit - one benefit for each covered person per Plan Year: Pays a benefit if a Covered Person has Major or Minor surgical procedure performed in an Outpatient Unit.
5. Ground Ambulance - one benefit for each covered person per Plan Year: Pays a benefit if a Covered Person requires the use of an ambulance service by ground transportation to or from a hospital or from one hospital to another for care and treatment of an accident or sickness.
6. Emergency Room Indemnity Benefit - two benefits for each covered person per Plan Year: Pays a benefit if a sickness or accident causes the Covered Person to require and receive emergency medical care in an emergency room of a hospital.
7. Major Surgical Procedure means a surgical procedure required to treat an injury caused by an Accident or a Sickness that requires general anesthesia with respiratory assistance.
8. Minor Surgical Procedure - means a surgical procedure required to treat an injury caused by an Accident or a Sickness that is not considered a Major Surgical Procedure. Pre-existing Condition: This insurance does not pay any benefits for sickness caused by or resulting from a Covered Person's Pre-existing Condition if the sickness occurs during the first 12 months that a Covered Person is insured under the policy. Pre-existing Condition means an Accident or Sickness for which, in the 12* months before the Covered Person becomes insured under the policy, medical advice, treatment or care was sought by a Covered Person, or was recommended by, prescribed by or received from a Physician. *The time period is 6 months for residents of FL, ID, IN, KY and NV.
| Your Advantage Protector Rates |
Membership Monthly Rates - Working (If employed 25 hours per week at time of enrollment) |
Plan 1 |
Plan 2 |
Individual |
$44.00 |
$67.00 |
Individual & Spouse |
$68.00 |
$109.00 |
Individual & Children |
$70.00 |
$114.00 |
Family |
$92.00 |
$150.00 |
Membership Monthly Rates - Not Working |
|
Individual |
$57.00 |
$93.00 |
Individual & Spouse |
$94.00 |
$158.00 |
Individual & Children |
$98.00 |
$165.00 |
Family |
$131.00 |
$220.00 |
Rates include a $10 per month administrative fee charged by NEA. Approximately fifty percent of the membership fee applies to insurance benefits.