|
|
|
|
|
SecureCare 500 + $10 or 50% Co-Pay Rx
|
Ages 18 to 64
$121.00
per Month
for Individual
$214.00
per Month
for Individual plus Spouse
$226.00
per Month
for Individual plus Child(ren)
$303.00
per Month
for Family
|
|
SecureCare 500 + $10 or 50% Co-Pay includes the following benefits on an indemnity basis: $500 Daily Hospital Benefit, $500 Intensive Care, $50 Doctor Office Visit, $100 Emergency Room, $20,000 AD&D Benefit. Value-Added Benefits include Generic Prescription Drug Benefit, $2,000 Accident Medical Benefit, Vision Discounts, Dental Discounts, Hearing Discounts, and Direct Lab Program.
States Not Available: CT, MN, MT
|
Limited Benefit Health Insurance
|
Benefit Descriptions
|
SecureCare
250
|
SecureCare
500
|
SecureCare
750
|
SecureCare
1000
|
|
PREVENTIVE BENEFITS
|
Physician Office Visit
- 3 visits per person per calendar year
- 6 visits per family per calendar year
|
$50 per visit
$150 per year maximum
|
$50 per visit
$150 per year maximum
|
$75 per visit
$225 per year maximum
|
$75 per visit
$225 per year maximum
|
Health Screening Benefit
- 3 visits per person per calendar year
- Includes routine exams and preventive testing
|
$25 per visit
$75 calendar year maximum
|
$25 per visit
$75 calendar year maximum
|
$50 per visit
$150 calendar year maximum
|
$75 per visit
$225 calendar year maximum
|
Routine Well Child Benefit
- Includes physical examinations and immunizations during the first 6 months following birth.
- 6 visits per covered child per calendar year
|
$30 per visit
$180 calendar year maximum
|
$40 per visit
$240 calendar year maximum
|
$50 per visit
$300 calendar year maximum
|
$60 per visit
$360 calendar year maximum
|
Diagnostic, X-ray, & Lab Benefit
- 3 tests per person / 6 per family, per calendar year
|
-
|
$50 per visit
$300 calendar year maximum
|
$100 per visit
$600 calendar year maximum
|
$125 per visit
$750 calendar year maximum
|
Emergency Room Benefit
- 4 visits per person per calendar year
|
$50 per visit
$200 calendar year maximum
|
$100 per visit
$400 calendar year maximum
|
$150 per visit
$600 calendar year maximum
|
$250 per visit
$1000 calendar year maximum
|
|
HOSPITAL BENEFITS
|
|
Hospital Admission Benefit
|
$250 per admission
|
$500 per admission
|
$750 per admission
|
$1,000 per admission
|
Hospital Confinement Benefit
- Pays per day for the first 30 days of Inpatient Confinement
|
$250 per day
|
$500 per day
|
$750 per day
|
$1,000 per day
|
Intensive Care Unit Benefit
- Pays per day each day Insured is Confined in the Intensive Care Unit (first 30 days)
- Pays in addition to Hospital Admission Benefit and Hospital Confinement Benefit
|
$250 per day
|
$500 per day
|
$750 per day
|
$1,000 per day
|
|
SURGERY BENEFITS
|
% of amount on Surgical Fee Schedule
Anesthesia (% of amount on Surgical Fee Schedule)
Ambulatory Surgery Center (per visit)
|
-
-
-
|
100% of scheduled amount
25% of scheduled amount
$100
|
100% of scheduled amount
25% of scheduled amount
$150
|
100% of scheduled amount
25% of scheduled amount
$250
|
|
OTHER BENEFITS
|
Critical Illness (First Diagnosis)*
Invasive Cancer Benefit %
In Situ Cancer Benefit %
Heart Attack Benefit %
Stroke Benefit %
Renal Failure Benefit %
Coronary Bypass Surgery Benefit %
ADL Deficit Benefit %
|
-
-
-
-
-
-
-
-
|
$2,500
100%
25%
100%
100%
100%
100%
100%
|
$5,000
100%
25%
100%
100%
100%
100%
100%
|
$10,000
100%
25%
100%
100%
100%
100%
100%
|
|
ACCIDENTAL DEATH BENEFITS
|
Accidental Death Benefit
Common Carrier Benefit
|
$10,000
$2,500
|
$20,000
$5,000
|
$30,000
$7,500
|
$40,000
$10,000
|
|
DISMEMBERMENT BENEFITS
|
Loss of Both Hands or Both Feet
Loss of Sight in Both Eyes
Loss of One Hand & One Foot
Loss of One Hand & Sight in One Eye
Loss of One Hand or One Foot
Loss of Speech & Hearing in Both Ears
Loss of Hearing in One Ear
Loss of Thumb & Index Finger of Same Hand
Loss of One or More Fingers or Toes
Loss of Sight of One Eye
|
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$2,500
$10,000
|
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$2,500
$10,000
|
$15,000
$15,000
$15,000
$15,000
$15,000
$15,000
$15,000
$15,000
$2,500
$15,000
|
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$2,500
$20,000
|
|
DISLOCATIONS & FRACTURE BENEFITS
|
Dislocation Benefits (All)
Concussion
Fractures-Rib
Fractures-Other**
|
$1,000
$100
$500
$1,000
|
$1,000
$100
$500
$1,000
|
$1,250
$125
$500
$1,250
|
$1,500
$150
$500
$1,500
|
|
HOMELAND VALUE ADDED BENEFIT***
|
|
Generic Prescription Card $10 or 50% co-pay****
|
Included
|
Included
|
Included
|
Included
|
|
Consult A Doctor
|
Included
|
Included
|
Included
|
Included
|
|
EyeMed Vision Discount Program*****
|
Included
|
Included
|
Included
|
Included
|
|
Homeland Lab & Imaging
|
Included
|
Included
|
Included
|
Included
|
|
Accident Medical Benefit (per occurrence)******
|
$2,000
|
$2,000
|
$2,000
|
$2,000
|
*Critical Illness rider
pays a lump sum benefit upon diagnosis of a specified critical
illness after a 30-day waiting period.
**Covered fractures include pelvis, skull, neck, thigh, upper arm, ankle,
lower leg, elbow, heel, shoulder blade, lower jaw, collarbone,
forearm, wrist, vertebrae, sternum, kneecap, cheekbone, hand,
foot, and coccyx.
***Homeland Health Care Value Added Benefits Program is neither
underwritten nor provided by National Union Fire Insurance
Company of Pittsburgh, PA.
****Underwritten by Markel Insurance Company
*****Vision Care Program is underwritten by National Union Fire
Insurance Company of Pittsburgh, PA.
******Accident Medical benefit is underwritten by Markel Insurance Company.
|
Benefits and Coverages
Click here to view the terms, conditions, exclusions and definitions of coverage.
HEALTH SCREENING BENEFIT
Pays a Per Test Amount when an Insured Person undergoes specified routine examinations or other preventive testing.
ROUTINE WELL-CHILD BENEFIT
Pays a Per Physician's Visit amount when an Insured Dependent Child visits a Physician and undergoes physical examination and/or appropriate immunizations during the first 6 months following birth.
HOSPITAL BENEFITS
Hospital Admission Benefit: Pays a lump sum Hospital Admission Benefit if an Insured Person is admitted as an inpatient to a Hospital for treatment of a covered Sickness or Injury.
Hospital Confinement Benefit: Pays a Daily Hospital Confinement Benefit for each day that an Insured Person is charged for a room as an Inpatient when that Insured Person becomes confined as an Inpatient to a Hospital for treatment of a covered Sickness or Injury.
Intensive Care Unit Benefit: If benefits have become payable for an Insured Person under the Hospital Confinement Benefit, and such Insured Person becomes confined in an Intensive Care Unit, pays an additional Daily Intensive Care Unit Benefit for each day an Insured Person is confined in and charged for an Intensive Care Unit.
SURGICAL/ANESTHESIA BENEFITS
Pays a scheduled Surgical Benefit when an Insured Person undergoes a surgical procedure for treatment of a covered Sickness or Injury. Anesthesia: Pays an Anesthesia Benefit for the administration of anesthesia for which a charge is incurred during a covered surgical procedure. Click here to view a sample surgery schedule.
EMERGENCY ROOM ACCIDENT TREATMENT BENEFIT
Pays a Per Accident Benefit shown when an Insured Person suffers a covered injury that, within 72 hours of the accident that caused the injury, requires him or her to receive Emergency Treatment in the Emergency room of a Hospital.
EMERGENCY ROOM SICKNESS TREATMENT BENEFIT
Pays a Per Visit Benefit when an Insured Person visits the emergency room of a Hospital for Emergency Treatment of a covered Sickness.
PHYSICIAN'S OFFICE VISITS BENEFIT
Pays a Per Visit benefit if an Insured Person visits a Physician's office for treatment of a covered Sickness or Injury.
OUTPATIENT DIAGNOSTIC X-RAY AND LABORATORY BENEFIT
Pays an Outpatient Diagnostic X-Ray and Laboratory Benefit when an Insured Person visits a Physician's office or other outpatient setting except an emergency room, and undergoes diagnostic x-ray and laboratory tests for treatment of a covered Sickness or Injury.
AMBULATORY SURGICAL CENTER BENEFIT
Pays a lump sum benefit if an Insured Person visits an Ambulatory Surgical Center for treatment of a covered Sickness or Injury.
ACCIDENTAL DEATH BENEFIT
Pays a lump sum benefit if an Insured Person suffers a covered injury that results in death.
CRITICAL ILLNESS RIDER
Pays a lump sum benefit upon diagnosis of a specified Critical Illness after a 30 day waiting period.
Click here to view the terms, conditions, exclusions and definitions of coverage.
This is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance or major medical coverage. Benefits may vary from state to state. This document provides only brief descriptions of the coverages available. The Policies contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in each Policy. If there are any conflicts between this document and each Policy, the Policy (series N20000 through N20010) shall govern. Not all coverages are available in every state.
Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company; its principal place of business is located at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
|
Value-Added Benefits
Unless otherwise specified, these items are not insurance. These coverages and services (except for the vision coverage) are neither underwritten nor provided by the Domestic Accident and Health Division of the AIU Holdings, Inc. National Union Fire Insurance Company of Pittsburgh, Pa. assumes no responsibility or liability for any of the listed services, the providers of the services, the quality of the services, the delivery of the services or the outcomes of the services. Questions or concerns about the services should be addressed directly to the providers.
|
Prescription Drug Benefit
Generic Prescription Card - $10 or 50% co-pay
This insured drug benefit covers most of the commonly prescribed generic drugs at a low member co-pay of $10 or 50%. In addition, this benefit allows members to purchase brand name drugs and generic drugs at a discounted rate. Our national pharmacy network has over 54,000 providers. The network includes all major chains and most of the nation's independent pharmacies!
| |
Individual Monthly
Benefit Max. |
Family Monthly
Benefit Max. |
AWA Bronze
AWA Silver |
$100 |
$200 |
AWA Gold
AWA Platinum |
$150 |
$300 |
|
PPO Network
We utilize Beech Street PPO for managed care services. Beech Street strives to identify the most respected hospitals, physicians, and specialty providers throughout the country so patients receive the highest level of care. Currently, Beech Street contracts with over 3,800 hospitals, 52,000 specialty care facilities and more than 400,000 providers, so it's not difficult to find a Beech Street provider in any area of the country. To locate providers in your area, visit www.beechstreet.com
|
Accident Medical with AD&D
Benefits paying up to $2,000 of Accidental Medical coverage for all persons covered under medical plan. Accidental Death and Dismemberment double the accident indemnity amount paying up to $4,000. Benefit pays per occurrence with a $100 deductible. This benefit covers you on and off the job 24/7 (unless workers' compensation is in place). Coverage is underwritten by Markel Insurance Company.
|
Vision Care Program*
EyeMed Provider Network
With EyeMed, you have access to thousands of providers nationwide including optometrists, ophthalmologists, opticians and leading optical retailers LensCrafters®, TargetOptical®, and most Pearle Vision® and Sears Optical® locations.
We continue to make the EyeMed network more accessible; therefore, provider locations are subject to change. To locate providers, visit www.eyemedvisioncare.com. Please verify the provider accepts your plan when scheduling your appointment.
One of the great benefits of the Vision benefit is the Eye Exam with Dilation for only $20 Copay. Click here to view the Benefit Schedule for other benefits and discounts of the plan.
Contact Lens By Mail Program
An exciting feature of the program allows you to order replacement contact lenses for competitive prices via the internet and have the contacts mailed directly to your home. The service is for replacement contact lenses only and your core benefit allowance or discount will not apply to the service. We recommend that your initial pair of contact lenses is purchased from your eye care provider to ensure proper fit and follow-up care. Simply visit www.eyemedvisioncare.com for details and a link to the order site.
Laser Vision Correction
Your plan includes a discount for laser vision correction procedures. When applicable, members receive a 15% discount off the price of LASIK or PRK procedures, or 5% off any promotional price, whichever is lower. Services are provided through the U.S. Laser Network, owned and administered by LCAVision. Simply call 1-877-5LASER6 to begin the process of receiving your discount.
*Vision Care Program not available in all states.
|
Homeland Direct Lab Program
Homeland Direct Lab benefit provides significant discounts on all kinds of lab testing. More than 1,700 available tests available with thousands of patient service centers located in all fifty states. Highlights include: no limits of use, no hidden fees, immediate access to benefits.
Men and Women Wellness Panels
The value of a wellness panel is $750; however, members receive this benefit for only $95 per use and they can be used as often as needed. These tests do not require a doctor''s prescription and results are sent to members and are not part of their medical records, however, members can share results with their doctor if they choose. Remember, early detection saves lives!
Women's Wellness Panel Includes:
Cancer Antigen (CA) 125, Serum
Lipid Panel with Total
Cholesterol/HDL Ratio
Complete Blood Count (CBC) with Differential
Metabolic Panel (14)
Comprehensive
Urinalysis, Complete (with Microscopic Examination)
Thyroid Panel with TSH
|
Men's Wellness Panel Includes:
Lipid Panel with Total Cholesterol / HDL Ratio
Complete Blood Count (CBC) with Differential
Metabolic Panel (14)
Comprehensive
Urinalysis, Complete (with Microscopic Examination)
Prostrate - Specific Antigen (PSA)
Serum (Serial Monitor)
|
|
Consult A Doctor
NEVER WAIT TO CONSULT WITH A DOCTOR AGAIN!
Consult A DoctorTM provides Homeland Healthcare members with 24/7 access to licensed physicians via phone and email. Connect instantly with our network of U.S.-based, licensed and board-certified physicians for information, diagnoses, and treatment recommendations including prescription medication*, if warranted, for common, non-emergency conditions.
Consult A Doctor Offers 4 Ways to Consult with a Physician
- On Call Consultation: talk to a doctor immediately
- E-Consult: e-mail a doctor
- By Appointment Consultation: set a time to talk to a doctor, prescription medication
- Priority Consultation: talk to a doctor within 1-3 hours, prescription medication
When to Use Consult A Doctor
- Cold/Flu
|
- Allergies
|
- Sinus infections
|
- Bronchitis
|
- Headaches/Migraines
|
- Stomach ache/Diarrhea
|
- Respiratory Infections
|
- Urinary Tract Infections
|
- Prescription Refills*
|
| ...and many other conditions |
Consult A Doctor Benefits
- Call or e-mail a doctor 24/7/365
- No long waits at the doctor's office
- Request prescription medication or a refill
- All physicians are U.S.-based, licensed & board certified
- Personal Health Manager
- FREE electronic medical record
- Access the latest health articles
There are no limitations on usage! Consult A Doctor consultations are FREE and UNLIMITED. Use it as often as you need!
|
|
Limited Benefit Health Insurance administered by Homeland HealthCare. Limited Benefit Health Insurance underwritten by National Union Fire Company of Pittsburgh, Pa. Limited Benefit Health Insurance is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance or major medical coverage. Benefits may vary from state to state. This document provides only brief descriptions of the coverages available. The policies contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in each policy. If there are any conflicts between this document and each Policy, the Policy, the Policy (series N20000 through N20010) shall govern. Not all coverages are available in every state. Limited Benefit Health Insurance is underwritten by National Fire Insurance Company of Pittsburgh, Pa. with its prinicipal place of business in New York, NY. 10/09
Value Added Benefits are not provided by National Union Fire Insurance Company of Pittsburgh, Pa. National Union Fire Insurance Company of Pittsburgh, Pa. assumes no responsibility or liability for any of the listed services, the providers of the services, the quality of the services, the delivery of the services or the outcomes of the services. Questions or concerns about the Value Added Benefit services should be addressed directly to the providers.
©2009 Homeland4one. All Rights Reserved. Not all programs available in all states. Void where prohibited by law. - Privacy Policy
|
|
