Health Choice Plus Limited Benefit Medical
Underwritten by: American Financial Security Life Insurance Co.
A Limited Benefit Medical plan is not a comprehensive major medical plan, nor is it intended to replace a major medical plan. The plan is intended to provide you, and your covered dependents, with first dollar coverage that is capped at specific amounts for specific services.
What is included?
Hospital Stays Benefits
This plan includes a hospital stays benefit - which means you will receive a set amount when you are confined in a hospital. The benefits are paid directly to you or your designee. Coverage ranges from:
- Inpatient Hospital Stay :$100/day, $200/day, $300/day, $500/day, $750/day, $1,000/day
- Maximum Benefit Days (per Plan Year): 30
- Maximum Benefit Amount (per Plan Year): $3,000, $6,000, $9,000, $15,000, $22,500, $30,000
Doctor Visits Benefits
This plan includes a doctor visit benefit - which means you will receive a set amount if you have to visit the doctor in case of an accident or illness. The benefits are paid directly to you or your designee. Coverage ranges from:
- Physician Office Visit: $50/visit or $75/visit
- Maximum Visits (per Plan Year): 3 or 5
- Maximum Benefit Amount (per Plan Year): $150, $250, $375
A telemedicine solution that solves the three biggest issues in healthcare: Access, Cost, and Quality:
- 24/7 availability
- Available in all states
How it works
- Request a visit with a doctor 24 hours a day, 365 days a year, by web, phone, or mobile app. Want to see the doctor? Choose “video” as the method for your visit. Feeling camera shy? Choose “phone.” Got a busy schedule? Select a time that’s best for you by choosing “schedule” instead of “as soon as possible.” We’ll search our national network of U.S. board- certified physicians, dermatologist and therapists and pair you with a doctor licensed in your state. The doctor will review your medical records. Your medical history provides valuable information to the doctor regarding past conditions, medications, allergies as well as information about your family’s medical history.
- Talk to the doctor. Take as much time as you need…. there’s no limit! We lead the market with the industry’s most comprehensive suite of telehealth services. You can receive convenient, quality care from a variety of licensed healthcare professionals.
- If medically necessary, a prescription will be sent to the pharmacy of your choice. Receive the treatment you need in a timely, expedient manner. In addition, you have the ability to send your visit results to your primary care physician.
Just call 1-800-Teladoc and provide your Teladoc account information.
Karis360 takes the hassle out of healthcare by helping members with questions about insurance claims, medical billing, and where to go for care:
- Concierge services for members so they don’t have to deal with their healthcare questions and issues alone.
- Unlimited assistance from a Personal Advisor who works directly with a member’s healthcare providers to help reduce their out-of-pocket medical bills.
RX Helpline assists members with advocacy and discounts to make prescription medications more affordable.
- Personalized Assistance: Review all possible savings with one of its specialized advocates.
- Real Savings: Members save on average 44% per prescription.
- Instant Access: Receive immediate access to top national cost-savings program for all brand name and generic medications.
Who is it for?
Health Choice+ Limited Benefit Medical is ideal for people who are looking for:
- Those who want the freedom to decide how to use their benefit payment
- Those who want the added protection of an indemnity plan
- Those looking to supplement a higher deductible major medical plan
Benefits and Exclusions
|Hospital Confinement Benefit||Per Day||$100||$100||$200||$200||$300||$500||$750||$1,000|
|Primary Care Doctors Office Visit Benefit||Per Day||$50||$50||$50||$50||$50||$50||$50||$75|
|Specialty Care Doctors’ Office Visit Benefit||Per Day||-||$50||$50||$50||$50||$50||$50||$75|
|Emergency Room Benefit||Per Day||-||$50||$50||$50||$50||$50||$75||$100|
|Basic Pathology & Radiology Benefit||Per Day||-||-||$50||$50||-||$50||$50||$75|
|Advance Studies Benefit||Per Day||-||-||$50||$50||-||$50||$50||$75|
|Surgery Benefit||Per Day||-||-||-||50%||50%||70%||80%||100%|
|Anesthesia Benefit||Per Day||-||-||-||20%||20%||20%||20%||20%|
|Mental Health Inpatient Benefit||Per Day||-||-||-||-||$150||$250||$375||$500|
|Mental Health Outpatient Benefit||Per Day||-||-||-||-||$50||$50||$50||$50|
|Supplemental Accident Inpatient Admission Benefit||Per Day||-||-||-||-||$500||$500||$500||$500|
|Supplemental Accident Emergency Room Benefit||Per Day||-||-||-||-||$250||$250||$250||$250|
|Accidental Death Benefit Critical Illness||Max Benefit||-||$10,000||$10,000||$10,000||$10,000||$10,000||$10,000||$10,000|
Effective date availability: Next day coverage available; later effective date available
Waiting periods: 30 day sickness waiting period; does not apply to an injury. 12 months pre- existing waiting period.
Eligibility: Adults, aged 18-64
State availability : Please log into your Agent Portal to access the most updated information on state availability for this product.
Disclaimer: The amounts listed above are fixed amounts and no other payments will be made.
Disclaimer: This is a brief description of Health Choice +. Avail-ability and terms of plan features and options may vary by state. Please check the product certificate or master policy for complete details.
There is no coverage for a pre-existing condition for a continuous period of 12 months following the effective date of a Covered Person’s coverage under the Policy.
Benefits are based on an annual period per insured from effective date. There is a 30 day waiting period immediately following the Coverage Effective Date; does not apply to an injury.
The NCE Association is a great way for you and your family to save money on out-of-pocket medical expenses. Your savings start from the first dollar, with no limits. Our cost savings program gives members access to pre-negotiated, lowered rates.
There are no:
- Pre-existing conditions limitations
- Medical exams
- Claims forms
- Limitation on usage
- Age restrictions
Prescription Discount Benefits
Save an average of 55% on generic drugs and 15% on brand-name drugs at over 80% of pharmacies in the country.
- All FDA approved drugs are discounted with the card. Even lifestyle drugs can be obtained at greatly reduced rates.
- The pharmacy network is national in scope.
- Cards can be used for all family members. There are no limit on the number of prescriptions filled.
- No forms to fill out. You do not have to activate the card.
Vitamins and Supplements
Members can save up to 75% off retail pricing on a huge selection of natural products including vitamins, supplements, and more.
Brand-Name Mail Order
Save up to 80% on your brand-name medications through our international mail order program. Ordering your discount brand-name medications is convenient, easy, and secure.
About 50% of the medications prescribed by your vet are actually the same medications prescribed to people, only in different dosages. You can fill these prescriptions at your neighborhood pharmacy. We have even made arrangements with a US FDA-approved specialty, mail-order pharmacy to fill those special medications and compounds not available at your local pharmacy.
Nutrition and Weight Loss Counseling
SDO Nutrition helps you achieve personal health goals, maintain a healthy lifestyle, and manage chronic health conditions through food and diet education.
Imaging Savings Program
Our network providers can save members an average of 60% off of the usual cost for advanced radiology testing, such as Magnetic Resonance Imaging (MRI) and Computerized Tomography (CT) scans.
Video-conferencing technology is used to provide live, one-on-one, highly individualized and interactive speech therapy services worldwide.
We believe self-expression begins with your face. We work hard to help you find frames that fit your life. Whether you’re looking for a designer pair, the latest Ray-Bans or even a trending cat-eye, we’ve got it!
Hearing Savings Program
Receive customized care and, if needed, purchase brand-name hearing aids at substantial savings. Save 20% to 50% off Manufacturer’s Suggested Retail Pricing
Save up to 15% on your next hotel stay. Choose your date, book and save! Save up to 30% on Tours, Cruises, Airlines, and Care Rentals.
Get up to 25% off car rentals at Hertz, Budget, and Avis. Save $5.00 on Jiffy Lube’s Signature Service oil change at any participating location.
Members can save 20% on their next flower order.
Spafinder Wellness 365 offers inspiration, knowledge and ideas that make keeping well easier and more accessible to you, each and every day.
- Treatment, services and supplies, unless for the Medically Necessary care and treatment of medically diagnosed congenital defects and birth abnormalities, which are not related to a specific diagnosis, acute symptoms or course of treatment; medical care or surgery which is not Medically Necessary; and any maintenance type therapy not reasonably expected to improve the patient’s condition;
- Pre-employment or pre-marital examinations; or routine physical examinations;
- Treatment, services and supplies for an Injury caused by an accident that arises out of or in the course of employment or for which the Covered Person is entitled to benefits under any Worker’s Compensation Law, Occupational Disease Law or similar legislation;
- Non-prescription drugs, vitamins, minerals and nutritional supplements;
- Experimental substances and/or drugs not approved by the Food and Drug Administration, or for investigative drugs or substances labeled “Caution – Limited by Federal Law to investigational use”;
- Treatment, services and supplies for Experimental or Investigational procedures, drugs or treatment methods;
- Treatment, services and supplies for any Experimental or Investigational organ transplant procedure;
- Treatment, services and supplies for which the Covered Person is not legally required to pay;
- Telephone consultations, failure to keep scheduled appointments, completion of claim forms, or providing medical information necessary to determine coverage;
- Treatment, services and supplies provided by a Close Relative (i.e. spouse, child or parent);
- Enrollment in including, but not limited to, a health, athletic or similar club or weight loss, non-smoking, exercise or similar programs;
- Recreational or educational therapy, or non-medical self-care or self-help training, nutritional counseling, marriage, family or goal oriented counseling;
- Treatment, services and supplies provided outside the scope of the license for the institution or practitioner rendering services;
- (Education, training, custodial care or bed and board while confined to an institution which is primarily a school or other institution for training, a place of rest or a place for the aged, a personal residence;
- Cosmetic Surgery;
- Eye examinations, eyeglasses, or contact lenses to correct refractive errors and related services including surgery performed to eliminate the need for eyeglasses, for refractive errors such as radial keratotomy or keratoplasty and hearing exams, hearing aids, or the fitting of hearing aids;
- Illness or Injury that results from war or an act of war, riot or in the commission or attempted commission of an assault or felony. This includes an act of international armed conflict. It also includes a conflict in which the armed force of any international authority is involved;
- To the extent that payment under the Policy is prohibited by any law of the jurisdiction in which the Covered Person resides;
- Treatment, services or supplies received prior to the Covered Person’s Effective
- Date, or after their termination date of coverage under the Policy;
- Inpatient Hospital admission occurring on a Friday or Saturday in conjunction with a surgical procedure scheduled to be performed during the following week. A Sunday admission will be eligible only for the procedure scheduled to be performed early Monday morning. (This limitation will not apply to necessary medical admissions requiring immediate attention or toEmergency surgical admissions);
- Pregnancy and related services;
- Custodial Care;
- Dental services;
- Voluntary sterilization or reversal thereof;
- Transsexual surgery and related surgery;
- Routine foot care;
- Amniocentesis, ultrasound or any other procedures requested solely for sex determination of the fetus, unless Medically Necessary to determine the existence of a sex linked genetic disorder;
- Infertility and impregnation procedures, such as but not limited to, artificial insemination, in-vitro fertilization, embryo and fetal implantation and G.I.F.T. (gamete intrafallopian transfer);
- Intentional self-inflicted Illness or Injury while sane; except that this exclusion will not apply to any self inflicted Illness or Injury that is the result of a medical condition ;
- An Illness or Injury incurred:
- during the commission or attempted commission of a crime or felony or while engaged in an illegal act; or
- while imprisoned;
- Physical therapy, Speech therapy and Occupational therapy;
- Mental and Nervous Disorders;
- Substance Use Disorders;
- Prescription drugs;
- Hospice Care;
- Home Health Care;
- Treatment, services, supplies for obesity, extreme obesity, morbid obesity or weight reduction, including, but not limited to, wiring of the teeth and all forms of surgery including, but not limited to, bariatric surgery, intestinal bypass surgery and complications resulting from any such surgery; and
- Treatment, services and supplies for an Illness prior to the expiration of the Waiting Period
Frequently Asked Questions
Are there any waiting periods for non-insurance Association benefits?
No. You can begin using your non-insurance benefits as soon as your payment is accepted and approved.
Are there any waiting periods for insurance benefits?
There are no waiting periods for benefits. You can begin accessing your insurance benefits once your payment is accepted and approved. However, Pre-existing Conditions are not covered for twelve (12) months after your membership’s Effective Date.
When will my association and insurance benefits start?
If you submit your application today, you can select your plan to be effective as early as 12:01am tomorrow. All coverage is subject to approval of your application and receipt of your first payment. Please refer to the plan limitations and exclusions for details.
What if I change my mind after I purchase coverage?
If for any reason you are not satisfied with your coverage and you have not filed a claim, you can cancel within 30 days of the date of the Welcome letter and we will refund any premium paid and your Limited Medical coverage will be null and void.
Do I have to use a MultiPlan provider?
Members under this plan may choose to be treated within or outside of the MultiPlan Network.MultiPlan has almost 800,000 healthcare providers under contract, an estimated 57 millionconsumers accessing the network products, and 40 million claims processed through the networks each year, giving them more of the experience and resources healthcare payers and providers need to face today’s unprecedented cost and competitive pressures. As part of your Membership plan, an arrangement has been negotiated between the Association and MultiPlan to treat individuals within the MultiPlan Network for a reduced fee over the customary fees of non-Network Providers.
How do I access/receive my fulfillment package and policy documents?
After you complete your purchase and your payment is approved, your fulfillment package, ID card, association documents, insurance certificate and any other plan documents are available to you online under your Customer Login. A copy of your Welcome letter and ID cards will arrive by mail within 7-10 business days after payment is received and approved. If you are unable to access, you can request a copy of your certificate by calling 877.353.0962.
What is Fixed Indemnity Insurance?
Fixed-indemnity insurance plans offer a cash benefit payout in case you suffer from specific illnesses or injuries covered by your policy. It is not major medical insurance, it does not include all ten of the essential health benefits of the Affordable Care Act (Obamacare) and if you do not have Obamacare, you may be subject to an additional tax.
What is first dollar coverage?
An insurance policy feature that provides coverage without a deductible. Typically, first dollar coverage exists all the way up to the full amount on the policy.
Health Benefit Indemnity Insurance Definitions
An unexpected, unforeseen occurrence that may result in bodily Injury.
Accident Medical Benefits
Defined amounts which provide lump-sum cash payments to cover expenses resulting from a medical related accident.
Supplemental medical insurance that pays a set amount when you have a covered accident to cover expenses that may be incurred.
Clauses within an insurance contract that set forth the procedure to be followed in the submission and administration of claims.
Critical Illness Benefits
Defined coverage amounts to be paid in lump-sum cash payments to cover specific life-threatening conditions, if the diagnosis occurs during the policy period.
Critical Illness Insurance
Supplemental medical insurance that pays a set amount of money to help cover bills associated with some of the most common critical illnesses that you may experience.
A specified area in a Hospital which is designated for the emergency care of Sickness or Injury.
Medical attention provided after the acute onset of symptoms relating to Sickness or Injury, including severe pain, which symptoms are severe enough that the lack of immediate medical attention could reasonably be expected to result in any of the following: Health would be placed in serious jeopardy;
Bodily function would be seriously impaired;
or There would be serious dysfunction of a bodily organ or part.
Defined risks that are specifically not covered by an insurance policy or contract.
First Dollar Coverage
An insurance policy feature that provides full coverage for the entire value of a loss without a deductible or other cost sharing.
Fixed Indemnity Insurance
A fixed-dollar plan that pays a predetermined amount on a per-period or per-incident basis, regardless of the total charges incurred.
An institution operated by law for the care and treatment of injured or sick persons; has organized facilities for diagnosis and surgery or has a contract with another hospital for these services; and has 24-hour nursing service.
Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care in some situations.
Hospital Inpatient Care
Care of patients whose condition requires admission to a hospital.
Hospital Outpatient Care
Care in a hospital that usually doesn’t require an overnight stay.
Health Benefit Indemnity Insurance
Health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, health benefit indemnity insurance pays a set fee, directly to you or a provider designated by you.
The hospital limits stated within the Hospital portion of a health benefit indemnity insurance plan.
A plan which provides coverage for hospital confinement due to illness, accidents, intensive care and recovery.
Ours: This benefit pays fixed amounts upon the diagnosis of a covered critical condition such as cancer or a heart attack.
Health care that you get when you're admitted as an inpatient to a health care facility, like a hospital or skilled nursing facility.
Sickness or disease of a Covered Person.
A bodily injury sustained which Is directly caused by an accident, independent of all other causes.
Intensive Care Unit
A specialized department within a Hospital that provides advanced and highly specialized care to medical or surgical patients, whose conditions are life-threatening and require comprehensive care and monitoring.
An insurance contract that defines policy details such as coverage periods, exclusions, riders, start dates, and other important information.
Care you receive to prevent illnesses or diseases. Providing these services at no cost is based on the idea that getting preventive care, such as screenings and immunizations, can help you and your family stay healthy.
Supplemental Medical Insurance
Supplemental medical insurance adds a layer of protection to your medical insurance by paying a set amount when you experience an accident or critical illness covered by the plan. Supplemental medical insurance plans are designed to work as a complement to your major medical insurance (Obamacare or Short Term Health Plans) or Health Benefit Indemnity Insurance plans.
Supplemental Health Products
By including additional insurance and services, supplemental health products add value to your overall health care benefit package. Supplemental health products are designed to be purchased in addition to a major-medical health plan (such as a short term or an ACA/Obamacare health plan) or a health benefit indemnity insurance plan and are categorized in two basic types: supplemental health insurance or non insurance supplemental health products.
Sometimes a provider will not submit the claim on your behalf. If this occurs, you can submit the claim yourself by following these steps:
- Obtain a paid-in-full receipt from the provider that displays CPT/diagnosis code(s), date-of-service(s), amount charged per code, and total amount paid.
- Write a letter stating that you (the insured) should be the one reimbursed for the services provided.
- Send a copy of your receipt and a copy of your letter to
International Benefits Administrators
PO Box 3080
Farmington Hills, MI 48333
EDI Payor ID: 11329
For claims and questions about your benefits, please call International Benefits Administrators at: 1-866-258-4019
Customer Service and Billing
For customer service or billing questions please contact us at:
For simple transactions such as a payment error where you payment information needs to be updated or if you want a refund inside the “free-look period” which is 10 days in most states, this can be done in the member portal @ www.AgileHealthInsurance.com/customers
For other payment errors where you need to process a payment, you need to call Agile at (877) 353-0962 to process the payment.
Other refund requests will have to be escalated, please call (877) 353-0962 for other requests and they will be addressed on a case by case basis in accordance with each individual insurance company’s policy.
We pledge to be:
- Experts Knowledgeable in Short-Term Medical Insurance