Flex Health PRO 2
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Enrollment Processing Fee
$99.00
one-time fee
Monthly Administration Fee
$15.00
per Month
Product
$253.00
per Month
for Member
$423.00
per Month
for Member plus One (Spouse or Child)
$573.00
per Month
for Member plus Family
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Flex Health PRO 2 includes the following benefits:
$500 Hospital Confinement/30 Days Per Calendar Year,
$500 Intensive Care Confinement/5 Per Calendar Year,
$150 Emergency Room Visit/1 Per Calendar Year,
$2,000 Per Surgical Procedure/3 Per Calendar Year,
Anesthesia Benefit - 25% of Amount Shown in the Schedule of Operations/3 Per Calendar Year,
$100 Provider Office Visit/5 Per Calendar Year Per Insured,
$50 Health Screening Benefit/2 Per Calendar Year Per Insured,
$50 Routine Well Child Care Benefit/2 Per Calendar Year Per Insured,
$25 Diagnostic X-Ray and Lab/$250 Calendar Year Maximum Per Insured,
$2,500 Critical Illness Benefit,
$2,500 Excess Medical Expense Per Accident Per Insured/$100 Deductible,
$5,000 AD&D - Primary/$2,500 - Spouse/$2,500 - Child,
$15,000 GI Term Life (Principal Financial Group),
CVS 4-Tier Discount Plan,
ConsultADoctor,
Karis - Patient Advocacy,
NAC,
NVA Vision,
Premier Ancillary
States Not Available: AK, CA, CT, DC, HI, ID, KS, KY, ME, MD, MA, MI, MN, MT, NH, NJ, NM, NY, NC, ND, OR, PR, RI, SD, VT, WA, WI
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MEDICAL BENEFITS1, 2 |
Flex Health
PRO 1 |
Flex Health
PRO 2 |
Flex Health
PRO 3 |
Flex Health
PRO 4 |
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SCHEDULED BENEFIT INDEMNITY PLANS |
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In-Patient Hospital Services |
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Daily Hospital Confinement Benefit |
$250 |
$500 |
$1,000 |
$1,500 |
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Maximum Days per Calendar Year |
30 |
30 |
30 |
30 |
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ICU/CCU Benefit |
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Daily Intesive Care Unit Benefit |
$250 |
$500 |
$1,000 |
$1,500 |
Maximum Intesive Care Unit Benefit
(per Calendar Year) |
5 |
5 |
5 |
5 |
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Emergency Room Accident Treatment Benefit |
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Benefit Per ER Visit |
$100 |
$150 |
$200 |
$250 |
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Maximum Visits per Calendar Year per Insured |
1 |
1 |
1 |
1 |
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SURGICAL/ANESTHESIA BENEFITS |
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Surgical Benefit |
Surgical Benefit
(Maximum Varies by Procedure) |
$2,000 |
$2,000 |
$5,000 |
$8,000 |
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Calendar Year Maximum per Insured |
3 surgeries |
3 surgeries |
4 surgeries |
4 surgeries |
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Anesthesia Benefit |
Anesthesia Benefit
(Maximum Varies by Procedure) |
25% of the
amount shown
in the Schedule
of Operations |
25% of the
amount shown
in the Schedule
of Operations |
25% of the
amount shown
in the Schedule
of Operations |
25% of the
amount shown
in the Schedule
of Operations |
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Calendar Year Maximum per Insured |
3 surgeries |
3 surgeries |
4 surgeries |
4 surgeries |
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OUTPATIENT BENEFITS |
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Provider Office Visits 3 |
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Provider Office Visit Benefit |
$100 |
$100 |
$100 |
$100 |
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Calendar Year Maximum per Insured |
5 |
5 |
5 |
5 |
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Routine Wellness |
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Health Screening Benefit (per Test) |
$50 |
$50 |
$50 |
$50 |
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Calendar Year Maximum per Insured |
2 |
2 |
2 |
2 |
Routine Well Child Care Benefit
(per Provider Visit) |
$50 |
$50 |
$50 |
$50 |
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Calendar Year Maximum per Insured |
2 |
2 |
2 |
2 |
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Diagnostic X-Ray and Laboratory Benefit |
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Per Test Amount |
$25 |
$25 |
$25 |
$25 |
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Calendar Year Maximum Per Insured |
$150 |
$250 |
$250 |
$500 |
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BLANKET CRITICAL ILLNESS BENEFIT |
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Kidney Failure |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Life Threatening Cancer |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Major Organ Transplant |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Permanent Paralysis |
N/A |
$2,500 |
$2,500 |
$5,000 |
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First Diagnosis Heart Attack |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Terminal Illness |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Stroke |
N/A |
$2,500 |
$2,500 |
$5,000 |
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Coronary Artery Bypass Surgery |
N/A |
$2,500 |
$2,500 |
$5,000 |
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ACCIDENT EXCESS MEDICAL EXPENSE COVERAGE4 |
Excess Medical Expense Coverage Maximum
Benefit (per Accident per Insured) |
$500 |
$2,500 |
$2,500 |
$5,000 |
Excess Medical Expense Deductible
(per Accident per Insured) |
$100 |
$100 |
$100 |
$100 |
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ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT |
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AD&D Maximum Benefit |
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Primary Insured |
$2,500 |
$5,000 |
$7,500 |
$15,000 |
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Spouse of Primary Insured |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Children of Primary Insured (per child) |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Accidental Death & Dismemberment Benefits |
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Loss of Life |
$2,500 |
$5,000 |
$7,500 |
$15,000 |
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Loss of Two or More Limbs |
$2,500 |
$5,000 |
$7,500 |
$15,000 |
Loss of Speech and Loss of Hearing
(Both Ears) |
$2,500 |
$5,000 |
$7,500 |
$15,000 |
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Loss of Sight (Both Eyes) |
$2,500 |
$5,000 |
$7,500 |
$15,000 |
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Loss of One Limb |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Loss of Speech |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Loss of Hearing (Both Ears) |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Loss of Sight (One Eye) |
$1,250 |
$2,500 |
$3,750 |
$7,500 |
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Loss of One Hand |
$625 |
$1,250 |
$1,875 |
$3,750 |
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Loss of One Foot |
$625 |
$1,250 |
$1,875 |
$3,750 |
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Loss of Hearing (One Ear) |
$625 |
$1,250 |
$1,875 |
$3,750 |
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Loss of Thumb and Index Finger (Same Hand) |
$625 |
$1,250 |
$1,875 |
$3,750 |
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Flex Health PPO is underwritten and issued by Freedom Life Insurance Company of America and available in the following states: AL, AZ, AR, CO, DE, FL, GA, IL, IN, IA, LA, MS, MO, NE, NV, OH, OK, PA, SC, TN, TX, VA, WV, WY. |
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1The 12-Month pre-existing conditions limitations applies to the Hospital, ICU/CCU, Surgery and Anesthesia benefits only. |
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2The Blanket Association group coverage BLKTINDMN-P-IL-FLIC is underwritten and issued by Freedom Life Insurance Company of America to the Affiliated Workers Association (“AWA”). This association group coverage is available to each individual enrolled member of AWA in the applicable membership of AWA who has timely and properly paid their monthly dues to AWA and who has been identified by AWA to Freedom Life Insurance Company of America as an authorized and enrolled member of the applicable membership. This association group insurance coverage is subject to the definitions, terms, conditions, limitations and exclusions set forth in the master group policy issued to AWA, which are summarized in the description of coverage provided in your AWA membership materials. Coverage becomes effective on the date provided in your membership materials and terminates at the end of policy period of the master group policy issued to AWA unless renewed by the mutual agreement of AWA and Freedom Life Insurance Company of America. Benefits under this master group policy issued to AWA are only available for new AWA members who enrolled on and after November 1, 2010 who are between the ages of 18 and 64. There is a 12 month waiting period before benefits will be paid for any loss or expense incurred as a result of an Insured’s Pre-existing Condition and is not covered under the Blanket Group Indemnity Insurance Policy unless such loss or expense constitutes Covered Expenses incurred by such Insured more than twelve (12) months after the Insured obtains coverage under the Blanket Group Indemnity Insurance Policy, and are not otherwise limited or excluded by the Blanket Group Indemnity Insurance Policy or any riders, endorsements, or amendments attached hereto;Pre-existing Condition means a condition, whether physical or mental, and regardless of the cause: 1. for which medical advice, diagnosis, care or treatment was recommended or received during the twelve (12) month period immediately preceding the effective date of coverage under the Blanket Group Indemnity Insurance Policy for the Insured incurring the expense; or 2. which Manifested during the twelve (12) month period immediately preceding the effective date of coverage under the Blanket Group Indemnity Insurance Policy for the Insured incurring the expense. Benefits reduce by 50% when an insured member reaches age 65. |
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3There is a 30-Day waiting period for Doctor's office visits. |
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4Coverage pays benefits excess of any other valid coverage, health plan, automobile medical payments coverage, government provided coverage, workers compensation coverage or any other employer / employee liability coverage. |
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