Med Sense Guaranteed Association Offers True Discounts to the Health Essential Plan!
Limited Benefit Medical Insurance Benefits are Underwritten by United States Fire Insurance Company, part of Crum & Forster Group, Rated "A" by A.M. Best
| Limited Benefit Medical Insurance Benefits | ||||
| BASIC500 | PLUS750 | CHOICE1000 | MAX1500 | |
|
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 |
| Med Sense Guaranteed Association Membership Benefits | ||||
| BASIC500 | PLUS750 | CHOICE1000 | MAX1500 | |
|
Emergency Medical Information Card
Wallet size card provides personal medical information in case of emergency. |
X | X | X | X |
|
Global Fit Fitness Program
To help improve member health and well-being you and your family can take advantage of discounts at 1,500 top fitness clubs nationwide. |
X | X | X | X |
|
Vitamin Discount
Nutritional R&D provides a complete line of quality vitamins, nutritional supplements, herbal remedies and health food products at discount prices. |
X | X | X | X |
|
GymAmerican.com
You and your family receive special pricing on the all-in-one interactive toolkit for a personalized diet and exercise program designed specifically for you. |
X | X | X | X |
|
Car Rental Discounts Take advantage of affordable auto rental rates from Alamo, Avis, Hertz and National. |
X | X | X | X |