Deductible

The amount of covered expenses that the insured must pay before a plan or insurance contract starts to pay.

$0.0

Coinsurance

Most policies require the insured to pay some portion of the health care bills. A typical arrangement is that the insurer pays 80 percent and the insured 20 percent, up to $3,000 of covered expenses after the insured has paid the deductible. After the insured hits the maximum out-of-pocket limit, the insurance company pays 100 percent of covered expenses during the remainder of the calendar year, up to any applicable annual benefit or lifetime maximum of the policy.

None

Coinsurance Out-of-Pocket Maximum

The limit on the amount an individual is required to pay for health care services covered by his or her benefits plan after the deductibles and any copays are paid. Refers to care received from the network of participating physicians, hospitals, and health care professionals. Coinsurance Out-of-Pocket amounts are in addition to any Deductible amounts.

0.0

How It Works

Pays cash for a qualifying serious illness. The lifetime maximum payout is 3x the selected benefit amount. Benefits may be paid only once per diagnosed condition and there must be 180 days between each qualifying diagnosis. A 30-day waiting period applies to all benefits. Not subject to deductible.Spouse and children (if applying) are covered at 50% of the primary insured critical illness benefit.

How It Works

Pays you or your beneficiary a set amount up to the lifetime maximum in the event of death or dismemberment due to an accident. There is no deductible or waiting period.

Underwriter

Golden Rule Insurance Company

How It Works

Provides payment for covered medical expenses due to accidental injury. Benefits are paid in addition to other insurance coverage, up to the selected calendar year maximum.

Deductible

$250 per individual/2 per family, per calendar year

How It Works

Not Applicable