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

Accidental Loss of Life: Primary and Spouse

$20,000

Accidental Loss of Life: Dependent

$5,000

Doctors Office/Urgent Care Visits-Illness or Injury

NA

Inpatient Hospital Confinement

$500 per Day (Maximum 31 days per Period of Confinement)

Intensive Care Unit (ICU) Confinement

$1,000 per Day (Maximum 31 days per Period of Confinement)

First Hospital Confinement

$1,000 per Day (Maximum 1 day per Calendar Year)

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