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National Benefits - Limited Medical Indemnity
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Consider Health Essential Limited Indemnity Medical if you: |
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Do not have adequate health insurance |
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Have health insurance with high deductibles or out-of-pocket expenses |
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Want to supplement the coverage you may have |
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Membership in Med Sense Guaranteed Association offers these outstanding features: |
| Insurance Benefits |
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Guaranteed Issue for members & their spouse's ages 18 through 64, and dependent children to age 19 or age 25 if attending an accredited school full-time |
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$1,000,000 Lifetime Maximum per Covered Person |
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U.S. Citizenship not required, only U.S. residency for 12 consecutive months |
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In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day |
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Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits |
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Doctor Office Visits - Choice of $25, $50 or $75 per visit benefit * |
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Doctors Office Wellness Visit - Choice of $50 or $75 for one visit benefit * |
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$2,000 Accidental Injury Medical Benefit |
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$10,000 Accidental Death and Dismemberment |
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* You can select the NEW option to change the Doctors Office Visit benefit from an Indemnity to a $30 or $20 Co-Pay Benefit. |
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| Non-insurance Benefits |
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Access to Beech Street PPO Network Savings |
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MedCare USA Prescription Discount Card |
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Vision Discounts |
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| Your total membership cost consists of association information and awareness benefits, consumer savings and service programs, insurance coverage's, marketing and administration costs. |
This plan is not available in the states of AK, CT, KS, MD, ME, NH, NJ, NY or VT. Many state options and benefits vary. |
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Insured Benefits Provided By:
United States Fire Insurance Company , Rated “A” by A.M. Best Reports |
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| Limited Benefit Medical Insurance Benefits |
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Policy Limits
Maximum Yearly Limit
Lifetime Maximum |
N/A
$1,000,000 |
N/A
$1,000,000 |
N/A
$1,000,000 |
N/A
$1,000,000 |
Waiting Periods
Accidental Injuries
Sickness |
None
30 Days |
None
30 Days |
None
30 Days |
None
30 Days |
Pre-existing conditions
Applies to hospital semi-private room, Hospital ICU/CCU, surgery and anesthesia benefits only. Conditions existing up to 12 months prior to effective date of coverage are not covered for 12 months following effective date of coverage. |
12/12 |
12/12 |
12/12 |
12/12 |
Hospital Indemnity
Maximum Amount Per Day
Maximum Stays |
$500
31 Days |
$750
31 Days |
$1000
31 Days |
$1500
31 Days |
Surgery
Inpatient
One(1) allowable Surgery Per Policy Period
Outpatient |
$1,000
$1,000 |
$1,500
$750 |
$3,000
$1,500 |
$10,000
$10,000 |
Anesthesia
Inpatient
Outpatient
Maximum Per Year |
N/A |
$225
$150
1 |
$450
$200
1 |
15% of surgery to max of
$1500
$200
1 |
Doctor Office Visits(Injury or Illness)
Maximum Per Visit
Maximum Visits Per Policy Year |
$25
5 |
$50
5 |
$50
5 |
$75
5 |
Doctor Office Visits(Wellness)
Maximum Per Visit
Maximum Visits Per Policy Year |
N/A |
$50
1 |
$50
1 |
$75
1 |
Diagnostics X-rays, Labs
Maximum Per Visit
Maximum Visits Per Policy Year |
N/A |
$50
5 |
$50
5 |
$75
5 |
Emergency Room Visits
Maximum Per Visit
Maximum Visits Per Policy Year |
$50
1 |
$50
1 |
$50
1 |
$50
1 |
Ambulance
Maximum Per Visit
Maximum Visits Per Policy Year |
$50
1 |
$50
1 |
$50
1 |
$50
1 |
Accidental Injury
Maximum Benefit Amount Per Injury
Maximum Number of Injuries Per Year
Deductible per Accident |
$2,000
2
$100 |
$2,000
2
$100 |
$2,000
2
$100 |
$2,000
2
$100 |
Accidental Death and Dismemberment
Principal Amount
Covered Spouse
Covered Dependent |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
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