Must be purchased separately

• $10 co-pay for generic medications and generic oral contraceptive medications.
• No deductibles & no waiting periods
• No restrictions for pre-existing conditions.
• No claim forms to complete
• 53,000 pharmacies including CVS, Walgreens, Wal-Mart and Rite Aid stores.
• Savings on medications not covered by formulary.
• Brand Name Drugs: Discounted price as adjudicated at the time of purchase.
• Generic drugs subject to the maximum annual benefit of $1,500 per insured person annually.

• This rider covers you and your entire family up to $5,000 for medical expenses due to an accident; with only a $100 deductible the plan then pays 100% of the medical costs to $5,000 of reasonable and customary charges.
• Ambulance ride covered 100%, Air Ambulance up to $4,000.
• No Limit on how many times an insured’s family uses the policy.
• $1,000 Accidental Death & Dismemberment Insurance for primary insured only.

• The plan pays on an Indemnity basis $500 per day in the hospital for 31 days per calendar year. Plan pays an additional $500 per day if the insured is in ICU or CCU for an additional 31 days per calendar year. Benefits are in addition to any other benefits received by the policy.

• Carrier will pay an additional one time benefit of $20,000 for the diagnosis of a critical illness. Family coverage covers primary insured and spouse. Pre-existing conditions are covered after 12 consecutive months of coverage. HIPAA compliance does not apply to this rider.
• Critical Illness Diagnosis: If an insured person is diagnosed with a critical illness by a physician, the Company will pay the specified benefit. Once a 100% of the maximum benefit amount has been paid for an insured person, coverage terminates.

1. Life Threatening Cancer: Pays benefits if an insured person is first diagnosed with life threatening cancer, more than 90 after the person’s effective date of coverage. The benefit is 10% payment after 30 days and before 90 days.
2. Heart Attack: Pays benefits if an insured person is first diagnosed as having suffered a heart attack more than 30 days after the person’s effective date of coverage.
3. Kidney (Renal) Failure: Pays benefits if an insured person is first diagnosed with kidney (renal) failure more than 30 days after the person’s effective date of coverage.
4. Stroke: Pays benefits if an insured person is first diagnosed with having suffered a stroke more than 30 days after the person’s effective date of coverage.
5. Coma: Pays benefits if an insured person is first diagnosed as being comatose more than 30 days after the person’s effective date of coverage.
6. Coronary Artery Bypass Graft: Pays 25% of the benefit amount if an insured person is first diagnosed with a condition that necessitates a Coronary Artery Bypass Graft and receives the Coronary Artery Bypass Graft more than 30 days after the person’s effective date of coverage. This benefit is paid once per lifetime.
7. Loss of Sight, Speech or Hearing: Loss of Sight, Speech or Hearing Pays benefits if an insured person is first diagnosed with loss of Sight, speech or Hearing more than 30 days after the person’s effective date of coverage.
8. Major Organ Transplant: Pays benefits if an insured person is first diagnosed with a condition that necessitates a Major Organ Transplant and receives that Major Organ Transplant more than 30 days after the person’s effective date of coverage.
9. Paralysis: Pays benefits if an insured person is first diagnosed as being paralyzed more than 30 days after the person’s effective date of coverage.
10. Severe Burns: Pays benefits, depending on the severity of the burn, if an insured person is first diagnosed with having suffered a Severe Burn more than 30 days after the person’s effective date of coverage.

The policies will contain limitations, exclusions and termination provisions.

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