HCC Medical Insurance Services Producer Guide

Size: px
Start display at page:

Download "HCC Medical Insurance Services Producer Guide"

Transcription

1 HCC Medical Insurance Services Producer Guide HCCMIS Producer Guide 251 N. Illinois Street, Suite 600 Indianapolis, IN Phone: (800) or (317) Fax: (317)

2 Table of Contents Table of Contents... 1 Chapter 1: Introduction... 3 HCCMIS Structure... 3 Purpose of this Guide... 3 Online Capabilities... 3 Chapter 2: The International Market... 5 Finding the Business... 5 The Contracting Process... 5 Producer Zone... 6 Producer Commissions... 6 Language... 6 Chapter 3: Product Focus CitizenSecure Plans... 7 Eligibility... 7 Effective Date/Date of Departure & Projected Length of Residence Outside of US... 8 Quoting CitizenSecure... 8 The Application Process... 9 Pre-existing Conditions Client Confidentiality Deductible and Coinsurance Maternity Benefits Optional Dental Rider Optional Hazardous Sports Rider Optional Term Life Renewal Options Reinstatement Cancellation Chapter 4: Product Focus The Atlas Series Plan Selection Application and Fulfillment Extending or Renewing Coverage Home Country Medical Coverage Sports Rider Terrorism Coverage Atlas Group Travel Atlas Professional Policy Cancellation Chapter 5: Product Focus Atlas Corporate Travel How to Obtain a Proposal Account Management System Enrollment, Extending Coverage and Renewing a Policy Home Country Medical Coverage Optional Sports Rider Terrorism Coverage Chapter 6: Product Focus StudentSecure Plan Selection Application and Fulfillment Extending or Renewing Coverage Home Country Medical Coverage Organized Sports Activities Terrorism Coverage Eligibility Chapter 7: Product Focus GroupSecure

3 Group Eligibility Advantages of a Group Benefit Plan Completing the Request for Proposal Form Enrollment and Participation Chapter 8: Product Focus HCC Life Short Term Medical (STM) Policy Selection Pre-existing Conditions Policy Eligibility Application and Fulfillment Purchasing an Additional Policy Consumer Benefits of America Agent Licensing Chapter 9: Product Focus Other Product Options IC+ Term Life Other HCCMIS Plan Options Chapter 10: Claims Procedures Pre-Certification Requirement Emergency Room Charges Claims Submission Procedures PPO Network & Provider Referrals Claims Appeals Chapter 11: Policy Administration & Customer Service HCCMIS s World Service Center Application Submission Application Processing CitizenSecure Application Processing Atlas, StudentSecure and HCC Life STM Application Processing GroupSecure Application Processing IC Changes and Updates of Policyholder Information Languages Chapter 12: Departments of HCC Medical Insurance Services Marketing and Sales World Service Center Underwriting Claims Project Management Compliance

4 Chapter 1: Introduction HCCMIS Structure The first thing to know about HCC Medical Insurance Services ( HCCMIS, is that we are a whollyowned subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC, Headquartered in Houston, Texas, HCC is a leading international specialty insurance group with offices across the United States and in the United Kingdom, Spain, and Ireland. HCC specializes in diversified financial products; group life, accident and health; aviation; London market account; and other specialty lines of business. HCC's major domestic and international insurance companies have a financial strength rating of "AA (Very Strong)" from Standard & Poor's Corporation. HCC's major domestic insurance companies have a financial strength rating of "AA (Very Strong)" from Fitch Ratings, "A1 (Good Security)" from Moody's Investors Service, Inc., and "A+ (Superior)" by A.M. Best Company, Inc. HCC trades on the New York Stock Exchange under the symbol HCC. With assets of $8.8 billion and shareholders' equity of $3.0 billion at December 31, 2009, HCC is well capitalized and well positioned to continue its success. HCCMIS is a managing general underwriter for Lloyd s, London (www.lloyds.com). All international health, travel, and group benefit products offered by HCCMIS are fully insured by Syndicate 4141 at Lloyd s, London; international life insurance products are underwritten by Syndicate 308, also at Lloyd s. Lloyd s, the world s oldest and largest insurance market, is rated A+ (Strong) by Standard & Poor s and A (Excellent) by A.M. Best Company. All product development, policy administration, underwriting services, marketing, information technology service, commission payment, accounting, customer service, and claims processing for all plans administered by HCCMIS is conducted in-house at HCCMIS. The short term domestic plan, HCC Life STM, is underwritten by HCC Life Insurance Company ( HCC Life, rated A+ (Superior) by A.M. Best Company. HCC Life has been an industry leader in medical stoploss and excess lines coverage for more than 30 years. HCC Life, an Indiana-domiciled insurer, has offices in Atlanta, Boston, Dallas, Indianapolis, Minneapolis & Scottsdale and writes over $750 million dollars in premium annually. Product development, administration, and claims processing for HCC Life STM are handled by HCC Life in the Indianapolis office. Commissions are paid by HCCMIS. Purpose of this Guide This guide is designed to save our producers time and effort by helping them to better understand the HCCMIS products as well as the processes and protocols HCCMIS uses in its everyday business operation. While no guide can offer answers to every question in every situation, a thorough reading of this guide and regular consultation should help you spend less time chasing paper and making phone calls and more time doing what you do best selling more insurance. This material is a living document and we at HCCMIS rely on you, the producer, to assist us in serving you more effectively on an ongoing basis. Your communication to the HCCMIS Marketing Department is crucial to the continuing development of this time-saving material. Feedback may be submitted to us via at Online Capabilities HCC Medical Insurance Services (HCCMIS) is a fully internet enabled insurance business model. Beginning with our Instant Online Quoting and Application System, HCCMIS makes every effort to leverage the power of the Internet and its functions and routinely reevaluates and refines our tools to make the experience for our producers and their clients easy, secure and as efficient as possible. HCCMIS s entire product portfolio is designed to resonate superbly in today s online environment and is available in PDF format as well as traditional print. When you submit a completed Producer Agreement, a welcome will be sent containing instructions on how to access these attractive and useful marketing materials via Producer Zone (discussed in Chapter 2). Along with our Online Quoting and Application System, HCCMIS is also able to provide our producers with a Live Help tool that both the producer and their client may utilize. This tool offers immediate assistance during business hours for product questions that may arise. When it comes to finding the appropriate product, HCCMIS also offers our Product Selection Tool. With just a few simple questions, the Product Selection Tool can point you in the right direction for the product that fits the client s needs. Both the Live Help and Product Selection Tools are customizable and available to place directly on a producer s website. You may contact your Account Executive for more information regarding either tool. 3

5 Whether you need customized electronic brochures and applications, access to your production history, a customized version of our quoting system, Live Help, or Product Selection Tool for your website, HCCMIS stands ready to assist via fax ( ), or telephone ( or ). As always, your Account Executive is available to assist with any questions, concerns or comments that you may have. 4

6 Chapter 2: The International Market International health, travel medical, group benefit, and term life products are all designed for those who are traveling internationally, for US citizens living abroad, and for foreign nationals living in many countries around the world. The complexion of the world is changing, international travel is reaching all-time highs, and business people are living as expatriates in ever-increasing numbers. Many public medical systems in the world cannot respond to the needs of their constituents in a timely manner. This circumstance affords the enterprising producer the opportunity to access an exciting and dynamic sector of today s insurance industry. International Students A great source of international business may begin with your local college or university. Students, faculty and staff at these institutions are often involved in international academic travel. This is a readymade opportunity for the enterprising producer to establish him/herself as an international benefits specialist. Non-Governmental Agencies (NGOs) Organizations that operate without direct government involvement, often engaged in humanitarian aid and development, are routinely referred to as NGOs. These organizations are suitable candidates as they face unique needs and challenges to provide adequate health insurance for both their career staff as well as short and long term volunteers. Finding the Business The list of potential client sources is practically endless, bound only by your imagination and creativity. The place to start is your existing book of business. There is a strong likelihood that several of your clients have taken an international trip during the last year. Other areas include: international trade organizations, passport photo companies, au pair organizations, ethnic communities, emerging multinational companies, professional marine crews, immigration counselors, international sporting organizations, adventure travelers, the Internet, and many more. Our international benefit portfolio offers a solution for the unique needs of such individuals and organizations. Other areas of possibility are US and foreign-based multinational corporations, organizations, and nongovernmental organizations which need to offer a US style group benefit plan (GroupSecure ) to their employees. Additionally, contacts in countries other than the US offer a myriad of opportunities to offer high-value annually renewable major medical insurance plans (CitizenSecure and CitizenSecure Economy). These higher net worth individuals and their families can recognize the inherent value in a private health insurance plan that offers coverage as they travel at home and abroad and allows them a global range of private health care options. Furthermore, in many US states, insurance carriers restrict the enrollment of non-us citizens in their health insurance plans. If these clients do not qualify for domestic health insurance plans from a US carrier because of citizenship and residence, our CitizenSecure plan may work for them as well. Mission Sending Organizations Religious organizations involved in missionary work have special needs for their members who go abroad. HCCMIS is ready to respond to the needs of both career missionaries who may need to account for furlough schedules as well as groups and individuals involved in short term mission work. The Contracting Process The process for becoming a contracted producer with HCC Medical Insurance Services (HCCMIS) is an easy one. Simply contact the HCCMIS Sales Department to receive your contract. Review and complete it, and then fax ( ) back to us along with copies of your Health and Life insurance licenses. Contracts and their fulfillments are routinely processed within one business day. You will receive notification of your producer number via as well as a unique, customized link to our Instant Online Quoting and Application System. This is an invaluable tool, offering you and your clients the ability to generate quotes, review coverage and submit applications for insurance electronically. You will also have access to customized Adobe PDF format brochures and applications for your use. As the producer, it is important that you indicate your producer number in the space provided on all applications. If you do not yet have your producer number, please be sure to indicate, at minimum, your name and correct telephone number so that we can match the application with your number and credit you appropriately. 5

7 Producer Zone Once your contract is processed, along with your producer number you will also receive a password to access your personalized Producer Zone account. Within Producer Zone you have a multitude of tools and marketing materials at your fingertips. From here you can create and print customized marketing tools and brochures and access customized links for your Online Quoting and Application System, Live Help and Product Selection Tool. Producer Zone also allows you to check the status of your commission and view a history of policies that you have sold. You may access Producer Zone at https://zone.hccmis.com/producerzone/. Contact your Account Executive for a tour of Producer Zone and to learn how to properly utilize its full potential today. Producer Commissions All commissions are paid via check by the 15th of every month for business effective in the previous month. No commissions are paid on an application until it becomes effective; i.e. any application with a January effective date will be paid on January commissions issued by the 15th of February. Direct Deposit accounts are available if you have a checking account within the US and maintain a steady commission flow. All Direct Deposits have a $50.00 minimum and all commission statements are sent via . Wire transfers are available for International accounts. To be eligible for a repetitive wire transfer you must maintain an average of $1, in commissions each month. No wire will be sent until the commission level reaches at least $1, To see if you are eligible for a Direct Deposit account or repetitive wire transfer, please contact your Account Executive who will review your account and provide the necessary information. While we are always pleased to speak with you, frequent calling to check the status of your commissions can impede our ability to issue commissions in a timely manner. The most efficient means to check your up-todate commission totals is to visit Producer Zone. If you have a question regarding your commission, we encourage you to contact your Account Executive for assistance, or send your question via to In either event, please wait until after the 15 th of the month when all commissions have been posted. Language HCCMIS is staffed and ready to assist with real-time assistance in a myriad of different languages. When a caller reaches the Indianapolis office during regular business hours, we can assist in English and Spanish. Those callers with additional language needs will be assisted through a conference call with a translator. At present, HCCMIS s literature is available in English and Spanish. A limited number of materials are available in Portuguese. HCCMIS is always willing to consider the development of materials in other languages on a case-by-case basis. Our initial translations would be developed in the electronic environment of the Internet, and subsequent development of traditional printed brochures and applications would be undertaken upon validation of the market opportunity. 6

8 Chapter 3: Product Focus CitizenSecure Plans CitizenSecure is HCCMIS s major medical policy for individuals and their families traveling and residing worldwide. The residency exclusions for CitizenSecure are US citizens permanently residing in the US, or non-us citizens residing in Florida. Such individuals are not eligible for an international policy and need to consider domestic insurance companies. Additionally, non-us citizens residing in the US are subject to eligibility restrictions, as described later in this chapter. The guidelines in this chapter apply to two plan offerings: CitizenSecure and CitizenSecure Economy. These plans offer different levels of coverage to accommodate an individual s willingness to assume more or less risk. As both plans feature a $5 million overall maximum, CitizenSecure is the more comprehensive of the two major medical products featuring optional coverage for inside the US and Canada. CitizenSecure Economy is a scheduled benefit plan with set coverage amounts per service providing major medical coverage to clients who are looking for a less expensive policy. Yacht Crew Question: The application asks for an out of US resident address, but I don t have one. I live on a boat and travel continuously. Am I still eligible for this plan? Answer: Yes, you may still be eligible for this plan. In place of the resident address, provide the name of the sailing vessel or yacht. If applying online, please include an itinerary in Part 3 of the application. If submitting a manual application, you may send the itinerary on a separate sheet. Eligibility All applicants must be at least 14 days but not older than age 74. If a person has a policy at the time of their 75th birthday, the coverage automatically terminates on the date of the 75th birthday. If a client reaches the age of 75 and has been covered by a CitizenSecure plan for at least 10 years, they may be eligible for the CitizenSecure Senior plan. The CitizenSecure Senior plan offers the same benefits and limits with the overall maximum limit reduced to $1 million, and the Human Organ Transplant and Emergency Medical Evacuation benefits deleted. US citizens must be residing outside of the US for at least six months of the Certificate Period; however, this time is not required to be consecutive. US citizens residing in the US must also leave the US no later than 30 days following the effective date of the policy. Please note: Individuals with dual citizenship, where one of the citizenships is US, must be treated as US citizens. If one spouse is a non-us citizen and the other is a US citizen, both must qualify for the plan under the eligibility rules listed. Otherwise, each will need to be on separate plans, one domestic and one the CitizenSecure plan. Children born in the US Children born in the US to non-us citizens are US citizens and must purchase US domestic insurance (unless they meet the US citizen eligibility requirements as described above) even if the parents are not US citizens residing here and covered under a CitizenSecure plan. Residency: US Citizens US citizens may reside in any country outside the US excluding countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws. US citizens residing in the US territories of Puerto Rico and the US Virgin Islands are considered the same as any other US citizen for eligibility purposes. We cannot offer the CitizenSecure plan to US citizens residing in these US territories. Residency: Non-US Citizens Non-US citizens may reside anywhere, including their country of citizenship, except in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws, the state of Florida, or if an Australian national in Australia. If they reside primarily in the US or will be in the US for more than 30 days following their effective date, they must not be eligible for domestic US insurance and the Underwriting Department requires the producer to sign an Affidavit of Non-Availability certifying the applicant s lack of eligibility (because of citizenship/residence only medical eligibility does not apply here). The Affidavit must be completed with the applicant s name, the date the application was signed, and the applicant s state of residence, and it must also be signed and dated by the producer. If the affidavit is 7

9 submitted and is incomplete, the producer will be notified and asked to resend the document. Underwriting will not fill in missing or incorrect information. Effective Date/Date of Departure & Projected Length of Residence Outside of US The underwriting guidelines allow for the effective date to be up to 30 days following the date of signature of the application. Per the eligibility requirements, the effective date can be no more than 30 days preceding the date of departure (for US citizens). Consequently, there is a potential two-month window from the date of application to the date of departure for US citizens. For non-us citizens, the 30 day limit between the application date and the effective date does apply, but there is no time limit following the effective date because an Affidavit of Non-Availability is required if the departure date is more than 30 days from the effective date. For US citizens who have not established an international address prior to their departure, it will be necessary to provide us with a projected itinerary and/or hotel, hostel, or friend s address where they will be staying while seeking a permanent address. For those who are in a profession which requires continual and ongoing travel, such as professional marine crew, we will need a proposed itinerary of travel. On the CitizenSecure SM application, we require the applicant to indicate their projected length of residence outside of the US. Many times, applicants who are already residing outside of the US will indicate the time they expect to elapse until their return. Clients in the US at time of application should indicate the time from their date of departure to their anticipated date of return in total. If the client is already out of the US, the time should begin with the approximate effective date to the date of return (projected length of residence). Quoting CitizenSecure Quoting is easy. You may refer to the rate schedule located in the back of the brochures; those rates are separated by deductible and gender. Easier still, simply utilize the unique link to our Instant Online Quoting and Application System. Payment Question Question: I have applied for a credit card, but I don t know the number yet. Can I send a check for the first payment and provide the card information later? Answer: UW will not approve the policy without credit card information. If the application is sent without a credit card for the installments, it will be pending until the payment information is received. The Instant Online Quoting and Application System is provided automatically upon receipt of a completed Producer Agreement. This powerful system allows the generation of free quotes, review of coverage options and accepts applications via the Internet. Once you determine the annual rate, the client must then select a payment option (applications without premium attached will not be processed contact your Account Executive for trial applications). If the client wishes to pay with a check, money order or wire transfer, the annual payment is due at the time of application. All wire transfer fees are the responsibility of the applicant. If the client wishes to pay with a credit card, they have the options of paying annually, semi-annually, quarterly, or monthly. To determine the payment amounts for the quarterly or semi-annual options, multiply the annual premium rate by.28 for quarterly and by.55 for semi-annual payment methods. For monthly payments, eleven payments will actually be drawn, but the first payment will be double the amount of the remaining 10 payments (no payment in the last month). Obtain the first payment amount by multiplying the annual premium rate by.20; obtain the amount of the remaining 10 payments by dividing the annual amount by 10. For all payment options, the first payment will be taken at the time that the policy is ready for approval just before confirmation is sent. The credit card on file will be automatically debited on the remaining due dates unless new credit card information is provided, in writing, before the payment is due. 8

10 Quotes Involving Children The CitizenSecure plans allow for the youngest two children age nine and under to be covered free of premium when both parents are covered by the same plan. If only one parent is covered, the regular dependent child rate will apply. All individuals applying together must be covered by the same plan (CitizenSecure or CitizenSecure Economy) and have the same deductible in order to qualify for these premiums. Children alone must pay the adult (19-24) male rate for the selected deductible. Occasionally, one parent and the children in a family may already be covered on a CitizenSecure policy. The dependent child rate applies to those children, and none of the children will be covered free of premium as long as only one parent is covered. If the other parent applies and is accepted, any premiums for children that qualify for the free premium will be calculated according to the Short Rate Cancellation Table so that the remaining time on the policy may be covered at the free premium as long as both parents maintain coverage. The Application Process The CitizenSecure application may be completed online, manually or by phone. It is important to understand that applications must be complete and legible in order to be processed without delay. There is no better way to ensure a swift response than by directing your clients to submit their application for insurance to us via the Internet. Adding members to a Certificate When a current policy holder has a child, the parents will need to complete a new application for the child in order to seek coverage for the child. The child will be subject to complete medical underwriting, and, if approved, the child will have his or her own Certificate number and effective date. The policies will be linked in our system so that the dependent child rate is applied. During the process of application, UW will require copies of the complete medical records for all children less than six months of age. The application may be printed from PDF Zone (a customized PDF brochure and application tool) which is available to you through Producer Zone. You may then send the customized application via , fax, or regular mail to your client for completion. Once the application is completed, it may be returned to HCCMIS by fax ( ), or by regular mail. Applying by Phone A client may apply over the phone by calling (toll free) or (collect calls are accepted). The underwriting representative will gather personal details, benefit choices, and medical history, along with producer information: so be sure to provide the client with your contact information and producer number. After all information is gathered, an applicant may be notified immediately of acceptance, or if additional information is needed. In some cases, an application may be pended for additional medical review. Within two business days following any telephone application, an will be sent to the client and the producer regarding the status of the application and requesting verification of the application. If the client does not meet the eligibility guidelines based on information collected during the call, they will be advised immediately. New York State Applicants If a client is physically located in the State of New York, they are prohibited from applying or purchasing online in order to comply with the NY Department of Insurance. It is acceptable for a client to use a NY mailing address and proceed with the application as long as they are not physically located in NY when applying. Application Review & Timeframe When an application is processed, an notification of receipt is sent to the agent and to the applicant to confirm that the application has been received. Within two business days, the application is reviewed and notification of application status is sent. The status notification will be sent to the producer and the client by when available or by fax if no is available. The notification will advise whether the application has been approved, declined, or if more information is needed. Although you will routinely receive correspondence from HCCMIS regarding the status of CitizenSecure applications, producers may also view the status of an application by logging into Producer Zone. 9

11 Full Disclosure of Medical History The CitizenSecure plans have strict limitations on Pre-existing Condition coverage. It is important that the client understand that they should be as forthcoming as possible and include conditions such as menopause, Lifestyle Underwriting Please note: The Underwriting department issues a percent rate increase for individuals falling outside of HCCMIS s underwriting guidelines for medically acceptable limits for body build. Underwriting may also issue a percent increase for other certain factors. thyroid and anything else for which they are taking medication. Even though the client may not have sought treatment from a physician, the ongoing medication as well as symptoms, signs and complaints may all be reason for denial of a claim if they have not been disclosed on the application. The client should also ensure complete disclosure of requested family history information on the application. Omission of information could result in rescission of the policy. Additional Information Requests Additional information may be requested if the application was incomplete or if some of the applicant s responses were unclear. The Underwriting Department may also request medical records regarding information provided on the application. When additional information is requested, the application will be pended until underwriting receives the information, the application is withdrawn, or the application is declined due to lack of response. The Underwriting Department will send regular follow-ups until the application is expired, at which time the application will be declined if no progress has occurred. Medical Record Requests & Medical Examinations Complete physical exam results are required for all applicants age 65 and older. The physical exam should include, but not be limited to, blood lab results, urinalysis, mammogram/pap results or PSA level, cardiac & respiratory work-up, general checks & observations, etc. If the applicant has completed such an exam within the last six months prior to the application, the copies of that exam may be submitted. If such an exam has not been completed, the applicant will need to have an exam in order to continue with the application. Pediatric reports (medical records since birth) are required for all babies under six months of age. The underwriters reserve the right to request medical examinations on any applicant; in most cases, however, such requests typically result from insufficient information having been provided on the application. Records may also be requested for complex conditions. Riders When UW reviews an application for individuals who have or have recently had various conditions, they may attach exclusionary Riders to the policy. Riders may be as short as 12 months or in some cases permanent. If a Rider is to be attached to the policy, the form is sent to the producer and applicant as an additional request. The applicant must sign, date, and return the form Uninsurable Conditions Obtaining medical records for the application process may involve costs. If the provider charges for obtaining such records, the costs are the responsibility of the applicant. Producers and applicants are advised of this responsibility in writing at the time the request is made by the Underwriting Department. Declinations While we do our best to accept as many applications as possible, some will inevitably be declined. HCCMIS s primary responsibility is to protect the interests of our insurer, Lloyd s, London. By following good underwriting practices, a company will be able to stay involved in the market for the long term, lending strength and stability to your book of business. If an application is declined, written notification will be sent to the producer and the applicant. If a check was submitted for payment, the check will be voided and returned to the party who wrote the check. No credit cards will be debited when an application has been declined. Approval of Applications When an application is approved, written notification will be sent to the The following conditions normally result in declination for CS: Angina/Heart Attack Alzheimer s Disease Autism Brain Damage/Tumor Crohn s Disease Cystic Fibrosis Depression (severe) Diabetes Epilepsy Hepatitis or Liver Disease Leukemia Lupus Malignant tumors Morbid Obesity Parkinson s Disease Schizophrenia Spinal Cord Disorders These are examples, not an extensive list of uninsurable conditions 10

12 producer and the applicant. Following such notification, the Certificate documents will be prepared and mailed within two business days. The documents are sent to the producer for delivery to the client or the producer to forward to the sub-producer for delivery to the client. We are willing to make changes to this protocol if within reason and upon request of the independent producer. Once the application has been approved we will deposit checks and debit credit cards prior to sending a confirmation of coverage to ensure that processing may be completed, even if the effective date is days or weeks in the future. Pre-existing Conditions On the CitizenSecure plan, Pre-existing Conditions are covered the same as any other injury or illness as long as the conditions are fully disclosed on the application and not limited or excluded by a Rider or any other provision of the policy. Please note that this is the information stated in the brochure as well as in the Certificate wording. If a Pre-existing Condition is not fully disclosed on the application, the condition will not be covered and may result in rescission of the policy. Be aware that the chances of a Pre-existing Condition being accepted on the policy are very slim. However, it is possible for the policy to be issued with one or more Riders, depending on the condition(s) and other variables involved. On the CitizenSecure Economy plan, Pre-existing Conditions must be fully disclosed on the application. Preexisting Conditions are then subject to a 24 month waiting period, after which they are covered up to $5,000 per Certificate Period, with a maximum coverage of $50,000 for the lifetime of the policy. Additionally, Acute Onsets of a Pre-existing Condition are covered at $1,000 for the first Certificate Period and $2,500 during the second Certificate Period. Unlike the CitizenSecure SM plan, exclusionary Riders are not attached to the CitizenSecure Economy Certificates. Client Confidentiality HCCMIS strives to respect and maintain the highest level of security and confidentiality of client information. There are occasions when an applicant applies for insurance, but submitted medical records may indicate a condition which will prevent the client from meeting HCCMIS s underwriting guidelines. In the interest of respecting the client s rights to privacy, HCCMIS staff members cannot discuss with the producer the specific details of a condition resulting in a policy exclusion, temporary or permanent, or which may render the client uninsurable by HCCMIS. Deductible and Coinsurance The deductible on a CitizenSecure policy may be $250, $500, $1,000, $2,500 or $5,000. All members on any given certificate must have the same deductible. The deductible and coinsurance will be applied to each individual on the policy. Claims incurred within the US and Canada are subject to a coinsurance where the member pays 20% of the next $5,000 of eligible expenses after the deductible. After the coinsurance portion, the plan then covers 100% of eligible expenses. The coinsurance will be waived for expenses incurred within the PPO network when charges are submitted directly to HCCMIS. Coinsurance will not be waived when a client submits charges for reimbursement, even if the expenses were incurred within the PPO. For all claims incurred outside of the US and Canada, there is no coinsurance. The plan pays 100% of the eligible expenses after the deductible. Maternity Benefits The CitizenSecure plan offers coverage for Maternity after 12 months of continuous coverage. Benefits are 50% of the next $100,000 eligible expenses after the deductible, then 100% to a Lifetime Maximum of $250,000. It is important to understand that the Maternity benefits are tied to dates of service. For example, an insured woman becomes pregnant six months into the first year of her policy and, assuming normal gestation, has her baby three months after her date of renewal. Any maternity related services with dates of service prior to the date of renewal will not be covered, so in this case some pre-natal care would not be eligible. The maternity-related services with dates of service after the renewal date would be covered 11

13 according to the Certificate provisions and in this case would include some pre-natal care, the delivery and post-natal care. Newborns are included as part of Maternity benefits for a maximum of 60 days as long as the delivery was covered. However, a separate application for the newborn must be submitted for review if the family wishes to seek coverage for the child. Acceptance of newborns is dependent upon underwriters approval. On the CitizenSecure Economy plan, Maternity benefits are covered up to $5,000 per pregnancy after 12 months of coverage. Newborn care is subject to a $15,000 maximum during the first 60 days of life. If a woman is pregnant at the time of application, she is not eligible for a CitizenSecure plan. She will need to wait until after the delivery of the baby before applying for a policy. Optional Dental Rider In our ever-evolving effort to match benefits provided by domestic major medical companies, the CitizenSecure plans offer a dental coverage option. This coverage includes preventative dental care for children 9-16, including routine oral exams every 6 months, fluoride treatment every 12 months, and bitewing x-rays every 24 months. All family members are covered for Basic and Major Dental procedures. Basic Dental procedures include periodontics, endodontics, fillings and extractions. Major Dental procedures include restorations, crowns, bridges and dentures. Optional Hazardous Sports Rider The Optional Hazardous Sports Rider provides additional coverage for your clients with an extreme sports lifestyle. The Sports Rider option will add coverage up to a lifetime maximum of $25,000 for activities such as mountaineering, skydiving, or whitewater rafting which are excluded by the standard plan. Coverage for contact sports, such as soccer or hockey, is added up to a lifetime maximum of $5,000. However, the Sports Rider does not cover activities engaged in for wage, reward, or profit. If you have any questions on whether a certain sport or activity will be covered, please refer to the Master Policy. As always, your Account Executive is available for any questions you may have. Optional Term Life Optional Term Life and Accidental Death and Dismemberment is available only to individuals residing outside of the US (certain restrictions may apply to non-us citizens). If a member has a policy with the term life option and the medical policy lapses or is cancelled, the term life portion lapses or cancels along with the medical portion. Renewal Options The CitizenSecure and CitizenSecure Economy policies are annually renewable as long as the members continue to meet the eligibility requirements and return the completed renewal forms with payment on or before the renewal date. As long as such requirements are met, there are no medical questions at time of renewal. If at the time of renewal a member no longer meets the eligibility requirements set forth at the beginning of this chapter, including departure from the US within 30 days of renewal, the person is no longer eligible for this international coverage and will need to seek other insurance coverage. For non-us citizens residing in the US or in the US at time of renewal, a new Affidavit of Non-Availability will be required at each renewal. The renewal forms are mailed to the member s most recent mail-forwarding and addresses on file approximately 60 days before the renewal date. The forms are also sent via or fax to the producer. The member is required to complete the forms and return them with payment. The renewal information cannot be taken over the phone; the information must be provided in writing. Failure to return the forms with payment or failure to fully complete the forms will delay the processing of the renewal. Renewals, including premium debit, will be processed upon receipt of the completed renewal regardless of the actual renewal date. 12

14 Renewals for the CitizenSecure and CitizenSecure Economy plans may also be completed online with a credit card via Client Zone at https://zone.hccmis.com/clientzone/. Renewing online through Client Zone is an easy and secure method to ensure an accurate and timely renewal. Renewal rates for individual insurance policies such as the CitizenSecure plans almost always increase each year. The renewal rates are calculated near the end of each calendar year for use during the following calendar year. Everyone of the same age, gender, and Certificate origination year is looked at as a group. The renewal rates are partially based on the claims submission of each group, and everyone in a group has the same renewal rate. Also factoring into the renewal rates are global inflation, increasing medical costs, and the additional year of age. Renewal Changes Any changes of address should be verified on the renewal forms. Additionally, at time of renewal members will have the option of remaining at the same deductible or changing to a higher deductible. The member is not allowed to change to a lower deductible. Other payment selections, including method and mode of payment, may also be altered at renewal time. Reinstatement If a CitizenSecure or CitizenSecure Economy policy lapses, is cancelled, or is not renewed in a timely manner, reinstatement will be required in order to continue coverage under the policy. Reinstatement normally requires completion of a new application which will be subject to complete medical review as well as submission of all back-premium due plus an additional $ reinstatement fee. You and your client should know that reinstatement is not guaranteed. Members whose coverage lapses, is cancelled, or is not renewed are not eligible to take a new policy until 12 months after the expiration date of their previous CitizenSecure or CitizenSecure Economy policy. Your client should not be under the impression that they can let their policy lapse and then reapply using new business rates. Cancellation Cancellation Fees It is important that you and the client are aware of the cancellation penalty. Cancellation fees are based on the Short Rate Cancellation Table found in the front of the member s Certificate. Cancellation of a CitizenSecure policy must be sent to our office in writing and must be requested by the member 60 days prior to the cancellation date. The request may be sent by , fax, or regular mail and should include the member s name, Certificate number, request and reason for cancellation, and the date cancellation should take effect. Retroactive cancellation dates will not be granted. Premium adjustment will be made based on the Short Rate Cancellation Table found in the front cover of the member s Certificate. If the policy was paid annually, some refund should be due. If the policy is paid semi-annually, quarterly, or monthly, it is possible that additional premium may be due and will be charged accordingly to the canceling member s credit card on file. 13

15 Chapter 4: Product Focus The Atlas Series The Atlas Series is HCC Medical Insurance Service s international travel medical insurance policy designed to cover individuals traveling outside their home country on a relatively short term basis, with initial Certificate Periods ranging from 5 days up to 12 months with extension/renewal options for some clients. The Atlas Series consists of three different individual plans: Atlas International for US citizens and non-us citizens traveling outside the US, Atlas America for non-us citizens traveling into the US, and Atlas Professional for professional individuals taking many short trips abroad throughout the year. An Atlas Group version is also available for groups of 5 or more. The Atlas International and America plans are featured together in one brochure, entitled The Atlas Series. The brochure includes plan highlights as well as an application and rate table. Be sure to check that the rates are current you will find the date for the current rates in the footer beneath the rate tables on the application. The Atlas Series options are not designed to cover pre-existing medical conditions, but some benefit is available for an Acute Onset of a Pre-existing Condition (see brochure for complete details). The Atlas Series provides important benefits including Emergency Medical Evacuation, Repatriation of Remains and Accidental Death & Dismemberment. These benefits are complimented by Travel and Medical Assistance Services unique to the travel medical insurance industry. It is important that you familiarize yourself with the services highlighted throughout the Atlas Series brochure and communicate them to your client. This knowledge alone will improve your closing percentage dramatically, as these services are not available from HCCMIS s competition. Plan Selection Choosing between Atlas International and Atlas America is based solely on where coverage is needed. US citizens must take Atlas International. At no time is the Atlas Series available to US citizens traveling within the US (including all 50 states, the District of Columbia and the US territories of Puerto Rico and the US Virgin Islands). If someone is a US citizen but a permanent resident of another country, they still are not eligible for Atlas coverage when traveling inside the US. However, non-us citizens who reside outside of their country of citizenship are eligible for coverage when traveling to their country of citizenship. Non-US citizens may take either Atlas International or Atlas America, depending on their travel destination. If a non-us citizen is traveling into the US, they must take Atlas America. If a non-us citizen is traveling outside the US, they should take Atlas International. Pre-existing Conditions The Atlas Series is a non-medically underwritten policy. The plan does not cover illnesses or injuries which existed at the time of application or for any condition or resulting complications relating to an illness or injury which occurred during the two years prior to the effective date. However, a limited benefit is available to some clients for an Acute Onset of a Pre-existing Condition. This benefit is offered to individuals under age 70. Coverage is available up to a lifetime maximum of $15,000 for eligible medical expenses and up to a lifetime maximum of $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Preexisting Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the acute onset. Trips Lasting Fewer Than 5 Days A minimum purchase period of 5 days is required for the Atlas Series. Additional time will go unused, as the Atlas Series terminates upon return to the member s home country. 14

16 Mixed Citizenships Among Family Members It is important to know that families consisting of both US and non-us citizens must submit separate applications as the online system does not provide for mixed citizenship during the quoting and application process. fulfillment through the mail. Application and Fulfillment The Atlas Series is fully Internet-enabled through the use of our Instant Online Quoting and Application System. Through the use of this system, your client can generate free quotes, review the coverage, and submit an electronic application for insurance. Approved online applications receive a complete electronic fulfillment with all of the necessary travel documents, including a welcome letter, a receipt for the transaction, and an identification card; these documents appear at the time of purchase in the Internet browser of the individual submitting the application. A duplicate copy of the fulfillment is delivered to the address provided on the electronic application. The information should be printed at time of application; when electronic fulfillment is selected, we do not send any paper New York State Applicants In order to comply with the NY Department of Insurance, if a client is physically located in the State of New York, they are prohibited from applying or purchasing online. It is acceptable for a client to use a NY mailing address and proceed with the application as long as they are not physically located in NY when applying. Please note: To comply with US government regulations, we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws. Extending or Renewing Coverage Atlas America and Atlas International policies are extendable. Extensions must be transacted online through Client Zone (https://zone.hccmis.com/clientzone) and paid by credit card. Policies may be extended in daily increments (5 day minimum) up to completion of a 12- month Certificate Period. After 12 months of coverage, individuals covered under Atlas International may renew up to another 12 months, again in daily increments (5 day minimum). After 24 months, a final period of up to 12 months may be purchased. Moving into the next 12 months of coverage can only be completed in the last month before the end of a Certificate Period. When a policy is extended, the deductible and coinsurance will continue until the end of the 12 month Certificate Period. At renewal time, the deductible and coinsurance will start over, but Pre-existing Conditions will not. At the end of the maximum 36 months of coverage time, a new policy must be purchased via new application, and deductible, coinsurance, and Pre-existing Condition consideration will begin anew. If a policy is not extended or renewed prior to term date, the client must start over with a new application. If the client is not eligible for extension or renewal, a new application will be required. All benefits will begin anew with each new policy purchase. Home Country Medical Coverage It is very important that both the producer and the client understand that the Atlas Series is designed as single trip coverage (with the exception of Atlas Professional). The Atlas Series offers three types of coverage in the home country. All three types are restricted to medical expenses only; benefits such as Hospital Indemnity, Trip Interruption, or Accidental Death & Dismemberment will not apply in the home country. Incidental Home Country Medical Coverage For every 3 months of coverage purchased, the Atlas Series provides members up to 15 days of Incidental Home Country Medical Coverage. This allowance offers coverage for trips home during the course of the 15 HCCMIS Terminology Certificate Period Time from the effective date to either the term date or the 12 month renewal date Extending Coverage Adding days/months to a policy within a 12 month Certificate Period Renewing Coverage Moving into a second or third 12-month period after a complete 12 months of coverage.

17 covered trip lasting not more than 15 days and requires continuation of the international trip. This portion may not be used for the last 15 days of the client s trip. Because the Atlas Series plans are designed as single trip plans, if the client returns and is not eligible for the Incidental Home Country Medical Coverage, or is eligible but stays in their home country for more than 15 days, the policy will have terminated upon the traveler s initial return. It should also be noted that the trip(s) home must be for a purpose other than seeking medical attention for a condition that began while abroad. End of Trip Home Country Medical Coverage Clients who are covered on an Atlas policy and are outside of their home country continuously (except for an Incidental Trip, if applicable) for at least 6 months may pay the premium to have coverage up to 30 days within their home country at the end of the plan. For example, Jan Smith has just graduated from college and is planning to backpack through Europe for eight months and then return home to the US. Jan may want to consider purchasing nine months of the Atlas plan because she will be able to utilize the last 30 days of the policy within the US, allowing her time to find employment and get resettled in her home while not leaving her uninsured. The extra month of coverage can be purchased later in the policy if the client is eligible to extend coverage. Benefit Period Medical Coverage Completely separate from either of the Home Country Coverages explained above is the Atlas Series Benefit Period of 180 days for any covered illness or injury. As long as the initial treatment for a particular injury or illness was covered, and occurred while abroad, subsequent eligible medical expenses related to that same condition will be covered for up to 180 days beginning from the first covered treatment date, even if the policy has terminated due to expiration of time purchased or the member s return to home country. However, upon the return to the member s home country, other insurance may be primary. Sports Rider The Atlas Series does cover illnesses or injuries associated with non-contact amateur sports participated in for recreation as well as downhill and cross country snow skiing on groomed slopes and marked trails as a routine part of the policy coverage. For your adventurous client, we offer the Sports Rider. This rider will cover the traveler up to the overall maximum limit for sports activities, with the exception of participation in competitive and professional sports, otherwise excluded from the standard Atlas plan. The Accidental Death & Dismemberment benefit on the Atlas Series is deleted during participation in such activities. Terrorism Coverage Acts of Terrorism, subject to certain conditions, are automatically covered by Atlas America and Atlas International as well as by the Atlas Group Series. This coverage may be added to the Atlas Professional for an additional charge. This benefit does not offer coverage in countries where a travel warning has been issued, but it is valuable in other countries where there is a chance of an occurrence but no general reason to expect one. Limitations of this coverage include participating in terrorism, being in a country that has had a travel warning issued for it by the United States government within 6 months before the date of arrival, chemical, nuclear and biological terrorism, and unreasonably failing to leave a country following the date a warning has been issued. Atlas Group Travel For those traveling as a group, we offer the Atlas Group Travel plan. For groups of 5 or more, we are pleased to offer a discounted travel insurance rate for individuals traveling together to the same destination and for the same time period. You may direct your clients to the Atlas Group Travel link provided as part of the Instant Online Quoting and Application System, or you may provide them with the PDF or paper brochure and allow them to complete a manual application. Fulfillment is available in electronic or hardcopy for travel groups. For groups of 5 or more who are traveling at different times and/or different destinations, we are pleased to accommodate their particular needs as well. However, payment for the entire group must be made by means of a single check or credit card prior to the date of first departing member(s) trip. 16

18 Atlas Professional Atlas Professional is very similar to the rest of the Atlas Series, with a particularly important difference: it is designed as an annual, single-premium policy for those taking multiple trips during the year, with no trip lasting more than of 30 days (in the event a member has an Atlas Professional policy but will be traveling for more than 30 days, the individual is welcome to purchase a regular Atlas plan for the additional travel time). Atlas Professional offers a fixed deductible of $250 which begins anew each time the member departs on a trip. Atlas Professional also has a $1 million overall maximum limit for the annual Certificate Period and is available to applicants through age 65. Atlas Professional is available to individuals of any citizenship (except as restricted by U.S. government trade regulations). All members enrolled in the Atlas Professional plan are required to maintain domestic insurance in their home country in order to be eligible for the plan. Other than the Benefit Period allowance, no home country coverage is provided by Atlas Professional. The benefit schedule for Atlas Professional is virtually identical to the other Atlas Series plans, with a few differences. This plan does not offer any coverage for physical therapy, but it does offer doubled benefit for Accidental Death & Dismemberment in the event of death resulting from hijacking, kidnapping or attempted kidnapping. Additionally, US citizens have some coverage available for an Acute Onset of a Pre-existing Condition. This benefit offers up to a lifetime maximum of $5,000 for eligible medical expenses and up to a lifetime maximum of $25,000 for Emergency Medical Evacuation related to an Acute Onset of a Pre-existing Condition. For the active traveler, Atlas Professional does offer the Sports Rider for an additional set premium surcharge. The Terrorism coverage that is included in other Atlas Series plans is available as a Rider on Atlas Professional for an additional set premium surcharge. The right market for Atlas Professional is typically the routine business traveler, who frequently makes international trips and seeks coverage that does not require a new application for each short travel period. Atlas Professional is very economical and should be a part of a traveling executive s benefit package. Access to the Atlas Travel Assistance Services alone makes this a very attractive package. Policy Cancellation If a client wishes to cancel their Atlas Travel or Atlas Group policy, a cancellation request must be submitted in writing to HCC Medical Insurance Services to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to the effective date. If a cancellation request is received after the effective date, a $25 cancellation fee will apply, only the unused portion of the plan cost will be refunded, and only members who have no claims are eligible for premium refund. Atlas Professional policies can only be refunded prior to departure from the client s home country or prior to the effective date. 17

19 Chapter 5: Product Focus Atlas Corporate Travel Atlas Corporate Travel is designed to meet a company s need to provide travel insurance to multiple employees who travel abroad throughout the year. Atlas Corporate Travel, a sister product of our industryleading Atlas Travel Series, offers the same superior coverage while allowing the company to purchase blocks of days at a set rate as well as offering the flexibility to distribute them at a moment s notice. In addition, Atlas Corporate offers coverage to any employee or guest who meets the eligibility requirements along with the option of extending coverage up to 12 months. This new innovative product provides coverage for Emergency Medical Evacuation, Accidental Death and Dismemberment, Acts of Terrorism and Natural Disasters along with state of the art travel and emergency medical assistance services as a part of every Atlas Corporate plan. Employee Eligibility Any employee who is traveling outside of his or her Home Country and is under 66 years old is eligible for coverage. Dependents and guests of the employees are also eligible for coverage, provided they meet the same eligibility requirements as the employee, with the approval of the company. Please note: To comply with US government regulations, we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws. Pre-existing Conditions Like the Atlas Travel Series, Atlas Corporate is a non-medically underwritten policy. The plan does not cover illnesses or injuries which existed at the time of application or for any condition or resulting complications which had occurred during the two years prior to the effective date. However, a limited benefit is available to some clients for an Acute Onset of a Pre-existing Condition. This benefit is automatically included for employees who are US citizens. At the time of application you may choose optional coverage for your employees who are non-us citizens for an additional premium. How to Obtain a Proposal An Atlas Corporate Request for Proposal form may be found inside the Atlas Corporate brochure or by request. Within the Request for Proposal, the group must provide employee and company information along with their desired benefits. Once completed, simply return the form to HCC Medical Insurance Services by fax at or by mail. The client will then receive a daily rate based on the estimated annual travel and location of the company. To purchase a policy at the rate provided, an application would then need to be completed and submitted. A minimum purchase of 100 days is required to begin an Atlas Corporate account and all days are valid throughout a 1 year policy period. A policy period begins on the Effective Date requested on the corporate application and lasts one year. Account Management System The online Account Management System is a unique system designed specifically for Atlas Corporate Travel. When a company begins a policy they will receive their account confirmation, password and login information for their customized Account Management System. Within the system a designated company administrator will have access to enroll employees, extend coverage, add days into the bank, view account history, print individual ID cards and Visa Letters, and much more. Enrollment, Extending Coverage and Renewing a Policy Employees are enrolled for coverage through the online Account Management System. Coverage can begin as early as the day the information is submitted up until the last day of the annual policy period. Within the system the company administrator will have access to enroll employees. A company may distribute as many or as few days to an employee up to a maximum of 12 months. Once an employee is enrolled, their information will remain in the system for future travel. 18

20 If a trip is cut short, any unused days may be credited into the bank with proof of early return, such as a copy of a passport stamp or airline ticket. Proof of early return may be submitted via fax or mail accompanied by a brief request in writing to credit the days. Extending Coverage A company may extend coverage for an employee through the online Account Management System up to a maximum of 12 months from the initial Effective Date, subtracting the number of days extended from your balance. Provided there is no break in coverage, the employee will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. HCCMIS Terminology Extending Coverage Adding days/months to an employee s policy within a 12 month Certificate Period Renewing a Policy Within 30 days prior to the termination date a company may renew their Atlas Corporate policy via the online Account Management System. In order to renew a policy a minimum of 100 days must be purchased. Any unused days as of the Renewing a Policy The company renewing their Atlas Corporate policy for an additional 12 months termination date will roll over into the new policy period. Daily rates are subject to change at time of renewal. If a renewal is not desired, unused days will be refunded up to a maximum of 20% of the initial purchase of days for the final policy period. Home Country Medical Coverage Atlas Corporate will provide limited Home Country Coverage during a Benefit Period. A Benefit Period begins on the first date a diagnosis or treatment of a covered Illness or Injury is received while outside his or her Home Country and lasts for 180 days. If a Benefit Period starts while coverage is in effect, the employee is covered only for Medical expenses related to the same covered Illness or Injury for the duration of the Benefit Period, regardless of whether they are at home or abroad. Home Country Defined If the employee is a US citizen, his or her Home Country is the United States, regardless of the location of their Principal Residence. If an employee is a non-us citizen, his or her Home Country is the country where they principally reside and receive regular mail. Optional Sports Rider The Optional Sports Rider is available for the adventurous employees who are traveling. Atlas Corporate Travel covers illnesses or injuries associated with non-contact amateur sports done for recreation only. This rider is selected at time of application and will cover the employee up to the overall maximum limit for all hazardous sports activities, with the exception of participation in competitive and professional sports. The Accidental Death & Dismemberment benefit on the Atlas Series is deleted during participation in such activity. Terrorism Coverage Acts of Terrorism, subject to certain conditions, are covered by Atlas Corporate. This benefit does not offer coverage in countries where a travel warning has been issued, but is valuable in other countries where there is always a chance of an occurrence but no general reason to expect one. Limitations of this coverage include participating in terrorism, being in a country that has had a travel warning issued for it by the United States government within 6 months before the date of arrival, chemical, nuclear and biological terrorism, and unreasonably failing to leave a country following the date a warning has been issued. 19

Why Choose StudentSecure?

Why Choose StudentSecure? Why Choose StudentSecure? Quebec City, Canada Oxford University, England Paris, France Do I need study abroad insurance? If you are a student or scholar planning on traveling to pursue your education outside

More information

HCC Medical Insurance Services

HCC Medical Insurance Services James D. Smith - Global Benefits LLC 11880 Cobblestone Drive Suite 240 Fishers, IN 46037 Phone: 888-884-6948 Fax: 888-863-6575 E-mail: jdsmith@globalbri.com www.globalbri.com StudentSecure StudentSecure

More information

HCC Medical Insurance Services

HCC Medical Insurance Services StudentSecure StudentSecure insurance from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel to pursue your education outside your home country. HCC Medical

More information

International Medical Insurance VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD

International Medical Insurance VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD Atlas Travel VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD The Atlas Travel plan from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel for vacations,

More information

CitizenSecure SM. Health Coverage that goes Far & Beyond

CitizenSecure SM. Health Coverage that goes Far & Beyond CitizenSecure SM Health Coverage that goes Far & Beyond Annually Renewable Major Optional Term Life, Dental, and Sports Coverage Astonishing Travel Assistance Services Health Coverage that Travels the

More information

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more Safe Harbor Crew International Yacht Crew Insurance for groups of three or more Plan Overview Luxury yacht Owners and Captains are finding it effective to offer structured benefits in order to attract

More information

coverage around the atlasprofessionalal last minute international trips dependents corporate travel travel & emergency medical assistance

coverage around the atlasprofessionalal last minute international trips dependents corporate travel travel & emergency medical assistance coverage around the James Crane Lewis, Jr. Lewis and Lewis Insurance Agency, Inc. 2950 31st St.reet Suite 140 Santa Monica, CA 90405 USA License #0645420 Phone: (800) 966-6830 x106 Fax: (310) 450-0700

More information

VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD

VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD Atlas Travel VISITING FAMILY VACATIONS BUSINESS TRIPS STUDY ABROAD The Atlas Travel plan from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel for vacations,

More information

SHA. long-term worldwide medical insurance for international students and scholars. Global Peace of Mind

SHA. long-term worldwide medical insurance for international students and scholars. Global Peace of Mind SHA LONG-TERM GLOBAL INSURANCE STUDENT HEALTH ADVANTAGE TM long-term worldwide medical insurance for international students and scholars Version Version 0115 0115 Secure, Reliable Medical Insurance As

More information

Executive Health Options

Executive Health Options CANADA, THE U.S. AND THE WORLD Executive Health Options INTERNATIONAL MAJOR MEDICAL INSURANCE FOR CANADIANS AND CITIZENS OF THE world Executive Health Options Benefits EHO is a comprehensive international

More information

Atlas Travel Series Health Coverage that Goes Far & Beyond

Atlas Travel Series Health Coverage that Goes Far & Beyond Atlas Travel Series Health Coverage that Goes Far & Beyond Short Term Travel Medical Insurance Emergency Medical Evacuation Astonishing Travel Assistance Services Distributed by: Insurance Services of

More information

medical insurance for individuals and groups involved in educational or cultural exchange Global Peace of Mind

medical insurance for individuals and groups involved in educational or cultural exchange Global Peace of Mind EDUCATIONAL GLOBAL INSURANCEPEP PATRIOT EXCHANGE PROGRAM TM medical insurance for individuals and groups involved in educational or cultural exchange Version Version 0115 0115 Why Consider International

More information

Individual Health Plan Contract Change Form (For ACA plans)

Individual Health Plan Contract Change Form (For ACA plans) Individual Health Plan Contract Change Form (For ACA plans) Instructions: Use a ballpoint pen to complete the form and follow guidelines listed below: GUIDELINES Complete checked section if you are using

More information

Emergency Assistance Phone Numbers:

Emergency Assistance Phone Numbers: Thank you for purchasing the IMG OUTREACH Plan. This document includes tips for team leaders and travelers as well as resources for filing a successful claim. We highly recommend reviewing and printing

More information

MERIDIAN BASIC AND ENHANCED BROCHURE

MERIDIAN BASIC AND ENHANCED BROCHURE MERIDIAN BASIC AND ENHANCED BROCHURE Going Your Way 2 Does International Medical Insurance Make Sense for Me? If it matters to you to have flexibility and security in where, when and how you receive your

More information

Designed just for students, Study USA-HealthCare features:

Designed just for students, Study USA-HealthCare features: Medical Insurance Coverage For: International Students studying in the U.S. U.S. Students studying abroad International Students studying outside of their home country Designed just for students, features:

More information

International Travel Medical Insurance

International Travel Medical Insurance Administered by: Seven Corners, Inc. 303 Congressional Boulevard Carmel, IN 46032 USA International Travel Medical Insurance International Provider Presented by Insurance Services of America 1757 E. Baseline

More information

International Portfolio

International Portfolio International Portfolio Since 1840 Strength, Security, Confidence Sagicor Life, Inc. (Parent Company) Sagicor Life, Inc. was founded in 1840 as a mutual life insurance company. Over the years the company

More information

Signature Healthcare Plan

Signature Healthcare Plan Signature Healthcare Plan Plan Highlights Two areas of coverage to choose from: Worldwide and Worldwide Excluding the US Five deductibles to choose from Emergency Medical Evacuation Organ Transplants Optional

More information

Schedule of Benefits International Select Gold

Schedule of Benefits International Select Gold Schedule of Benefits International The following benefits for International are subject to the Policyholder s Calendar Year Deductible and Coinsurance. For Contracts with a $10,000 or $25,000 Deductible,

More information

Individual Health Plan Contract Change Form (For Grandfathered Plans and pre-aca Non-Grandfathered Plans)

Individual Health Plan Contract Change Form (For Grandfathered Plans and pre-aca Non-Grandfathered Plans) Individual Health Plan Contract Change Form (For Grandfathered Plans and pre-aca Non-Grandfathered Plans) GUIDELINES Instructions: Use a ballpoint pen to complete the form and follow guidelines listed

More information

Underwriting guidelines for individual medically-underwritten products

Underwriting guidelines for individual medically-underwritten products Underwriting guidelines for individual medically-underwritten products Independence Blue Cross Underwriting Department This document is for informational purposes only and is not intended to be all inclusive.

More information

Individual Health Insurance Application

Individual Health Insurance Application Individual Health Insurance Application The Insurer retains the right to contact the applicant if any question is not explained in detail or if additional information is required. New policy Additional

More information

Global Healthcare Plan

Global Healthcare Plan Global Healthcare Plan Plan Highlights Two areas of coverage to choose from: Worldwide and Worldwide Excluding the US. Five deductibles to choose from. International Emergency Medical Evacuation. Organ

More information

ADA-Sponsored Disability Income Protection Plan Application for Insurance

ADA-Sponsored Disability Income Protection Plan Application for Insurance Members Insurance Plans ADA-Sponsored Disability Income Protection Plan Application for Insurance IPWS15 Read all forms Complete sections 1 thru 9 Mail or Fax ALL completed forms Questions? 866.607.5334

More information

HEALTH INSURANCE FOR VISITING INTERNATIONAL SCHOLARS - A COMPLEX BUT IMPORTANT ISSUE -

HEALTH INSURANCE FOR VISITING INTERNATIONAL SCHOLARS - A COMPLEX BUT IMPORTANT ISSUE - HEALTH INSURANCE FOR VISITING INTERNATIONAL SCHOLARS - A COMPLEX BUT IMPORTANT ISSUE - The US State Department requires all J-1 visa holders and their dependents to carry health insurance with specific

More information

Patriot America Plus

Patriot America Plus nt Info: VisitorsCoverage Inc. 2350 Mission College Blvd, Santa Clara CA 95054 Phone: 1-866-384-9104 Fax: 408-496-1090 E-mail: insurance@visitorscoverage.com www.visitorscoverage.com Patriot America Plus

More information

Chapter 91. Regulation 68 Patient Rights under Health Insurance Coverage in Louisiana

Chapter 91. Regulation 68 Patient Rights under Health Insurance Coverage in Louisiana D. A copy of the certification form shall be maintained by the insurer and by the producing agent or broker in the policyholder's record for a period of five years from the date of issuance of the insurance

More information

Coverage without boundaries

Coverage without boundaries IMG IS YOUR COMPLETE SOURCE FOR INTERNATIONAL MEDICAL COVERAGE A worldwide benefits program designed for groups of three or more internationally-assigned employees TRAVEL INSURANCE EXPATRIATE INSURANCE

More information

Program: International Management Practices (IBUS-744): Central Europe March 2014

Program: International Management Practices (IBUS-744): Central Europe March 2014 INTERNATIONAL TRAVEL CONSENT AND RELEASE AGREEMENT (Please keep the LAST 3 PAGES for your records, and turn in the first 3 pages to KSB Global Learning Name (print): Program: International Management Practices

More information

Select travelinsuranceselect.com

Select travelinsuranceselect.com Travel Insurance Select travelinsuranceselect.com A flexible travel insurance plan with your choice of options and services Now with Security Evacuation Option Trip Cancellation and Interruption Coverage

More information

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS

Real Choices. Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups TEXAS Time Insurance Company John Alden Life Insurance Company Assurant Health is the brand name

More information

Read Your Certificate Carefully. Employee Group Term Life Certificate of Insurance. Revised January 1, 2012

Read Your Certificate Carefully. Employee Group Term Life Certificate of Insurance. Revised January 1, 2012 Employee Group Term Life Certificate of Insurance Securian Life Insurance Company A Stock Company 400 Robert Street North St. Paul, Minnesota 55101-2098 Revised January 1, 2012 Read Your Certificate Carefully

More information

Application for Blue Shield of California Medicare Supplement plans

Application for Blue Shield of California Medicare Supplement plans Application for Blue Shield of California Medicare Supplement plans FOR OFFICE USE ONLY Here's how to apply Accept. code Plan type Market code 1 Provide ALL requested information and print clearly in blue

More information

VOLUNTARY GROUP TERM LIFE INSURANCE:

VOLUNTARY GROUP TERM LIFE INSURANCE: VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan

More information

MyMoney s guide to medical insurance

MyMoney s guide to medical insurance The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available

More information

Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew

Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew Distributed by: Protect your investment in Captains and Crew Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew Attract Qualified Professionals Reduce Crew Turnover Decrease Liability Exposure

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Shopping for Individual Disability Income Insurance Updated January 2010 Note: This information was developed to provide consumers with general

More information

Insurance Challenges for International Aid Organizations

Insurance Challenges for International Aid Organizations Insurance Challenges for International Aid Organizations Presented by David G Tompkins Aid & International Development Forum Washington, DC July 22, 2010 1 Introduction 2 About Expat Financial & TFG Global

More information

Florida Application. 3202s0608

Florida Application. 3202s0608 Florida Application 3202s0608 Great Benefits At A Great Price! One Million Dollar Maximum Benefit Discount Rx Drug Card Included Special Accident Protection - Deductible Waived No Required PPO Network

More information

Important Information When Considering Portability Coverage

Important Information When Considering Portability Coverage TERM LIFE INSURANCE ELECTION OF PORTABILITY COVERAGE Important Information When Considering Portability Coverage When your group term life insurance coverage ends, either because your employment has terminated

More information

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups

Real Choices Dental, Life and Short Term Disability Insurance. Ancillary Coverages for Small Employer Groups Real Choices Dental, Life and Short Term Disability Insurance Ancillary Coverages for Small Employer Groups Real Choices from Assurant Health Dental, Life and Disability Coverage It s no secret that employee

More information

Baymac GlobalCare Pilots Plan

Baymac GlobalCare Pilots Plan Baymac GlobalCare Pilots Plan Frequently Asked Questions 1. What is the GobalCare Pilots Plan? The GlobalCare Pilots Plan is specifically designed to meet the needs of professional pilots and their families,

More information

Global Risks Demand Global Insurance Solutions

Global Risks Demand Global Insurance Solutions Global Risks Demand Global Insurance Solutions 1 Introduction 2 About Expat Financial & TFG Global 3 Expatriate Insurance Solutions 4 Other International Insurance Available About Expat Financial & TFG

More information

Underwritten by: HCC Life Insurance Company Billing, Fulfillment, and Customer Service provided by: Agile Health Insurance

Underwritten by: HCC Life Insurance Company Billing, Fulfillment, and Customer Service provided by: Agile Health Insurance Underwritten by: HCC Life Insurance Company Billing, Fulfillment, and Customer Service provided by: Agile Health Insurance Why Choose HCC Flexible Short-Term Medical? There are transitional periods in

More information

The USAway International Major Medical Plan

The USAway International Major Medical Plan For People Traveling or Temporarily Residing Outside of The United States Uses Tourism Vacation Religious Pursuits VISA Requirements Business Assignments Students Studying Abroad How To Apply Paper Application

More information

Application for Individual Health & Dental Insurance

Application for Individual Health & Dental Insurance Application for Individual Health & Dental Insurance (For plans effective 1/1/2015 and after) PO Box 14527 Des Moines, Iowa 50306-3527 DIRECTIONS If you are applying for a new policy during Open Enrollment,

More information

International Citizen Series Health Coverage that Goes Far & Beyond

International Citizen Series Health Coverage that Goes Far & Beyond International Citizen Series Health Coverage that Goes Far & Beyond International Citizen Series Annually Renewable Major Medical Insurance Optional Term Life, Dental, and Sports Coverage Astonishing Travel

More information

ABSOLUTE HEALTH HEALTH INSURANCE POLICY TABLE OF CONTENTS. 1 What are your policy benefits 2. 2 Your premiums 2. 3 How to make a claim 2

ABSOLUTE HEALTH HEALTH INSURANCE POLICY TABLE OF CONTENTS. 1 What are your policy benefits 2. 2 Your premiums 2. 3 How to make a claim 2 HEALTH INSURANCE POLICY ABSOLUTE HEALTH TABLE OF CONTENTS 1 What are your policy benefits 2 2 Your premiums 2 > > Premium > > Method of paying premiums > > What happens if you do not pay the premium on

More information

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE GROUP 10-YEAR LEVEL TERM LIFE INSURANCE For Pennsylvania Bar Association Members, Their Spouses and Their Employees The Reliable, Affordable Solution Benefits from $50,000 - $1,000,000 Affordable Group

More information

VOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE:

VOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE: VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan

More information

Illinois Standard Health Employee Application for Small Employers

Illinois Standard Health Employee Application for Small Employers INSURER USE ONLY Policy/Group No. Section No. Effective Date New Hire Waiting Period For assistance in completing this application, please contact your employer or insurance agent. For information about

More information

Your worldwide partner in health

Your worldwide partner in health Your worldwide partner in health M o b i l e h e a lt h c a r e p l a n Aetna Global Benefits 46.02.343.1-LA (2/11) Global health insurance that travels with Plan Highlights Worldwide coverage US$2,000,000

More information

Why choose the Compass Rose Group Term Life Insurance Plan?

Why choose the Compass Rose Group Term Life Insurance Plan? GROUP LIFE E-Z APPLICATION FORM Upon Completion Mail To: 1768 Business Center Dr. Suite 3500 Term Life Insurance Request for Group Insurance Form: Service. Your Term Life protection is administered by,

More information

You never know what can happen on your shift. Is your family financially secure?

You never know what can happen on your shift. Is your family financially secure? You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death Insurance The California State Firefighters Employee Welfare

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Disability 1000 TX Short-Term Disability Insurance coloniallife.com If you were unable to work because of an illness or serious accident, how would you pay for what your health insurance won t? Protect

More information

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the Life insurance is financial protection. It provides the resources your family may need to pay immediate and continuing expenses after you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are

More information

PERFORMING TO EXCEED YOUR EXPECTATIONS

PERFORMING TO EXCEED YOUR EXPECTATIONS PERFORMING TO EXCEED YOUR EXPECTATIONS International Medical Group (IMG ) began as a family-owned and -operated company. More than 25 years later, IMG remains firmly committed to providing Global Peace

More information

THE USAWAY INTERNATIONAL MAJOR MEDICAL PLAN

THE USAWAY INTERNATIONAL MAJOR MEDICAL PLAN An International Major Medical Series Product FOR People traveling or temporarily residing outside of the United States USES Business Assignments Pleasure Educational Pursuits Religious Activities PETERSEN

More information

2013-2014. The Ohio State University Visiting Scholars Accident & Sickness Insurance Plan. Frequently Asked Questions

2013-2014. The Ohio State University Visiting Scholars Accident & Sickness Insurance Plan. Frequently Asked Questions 2013-2014 The Ohio State University Visiting Scholars Accident & Sickness Insurance Plan Frequently Asked Questions Whom do I contact if I have questions or need help? Questions about what is covered,

More information

Hospital Indemnity Insurance Plan

Hospital Indemnity Insurance Plan Hospital Indemnity Insurance Plan Think about what would happen if you were hospitalized and unable to earn income. Your health insurance would cover your stay, but would you be able to cover your out-of-pocket

More information

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT

CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT This Agreement describes your rights and obligations as a user of the Online Banking service and/or the Bill Payment and Presentment service ("Services").

More information

Consumer Guide to. Health Insurance. Oregon Insurance Division

Consumer Guide to. Health Insurance. Oregon Insurance Division Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.

More information

International Medical Group

International Medical Group The International Insurance Market & International Medical Group Overview Why International Insurance Why IMG Why IMG for the Producer Portfolio of Products Travel Insurance Programs Question and Answers

More information

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction

Table of Contents. Focusing on health...3. Leading to our Options...5. Channelling our strengths. Guiding you in the right direction Table of Contents Focusing on health...3 Leading to our Options...5 Comprehensive and affordable. coverage Options...6 Options and Options Plus Benefits Comparison... 10 Enhanced coverage Options Plus...

More information

CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS

CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS CENTRAL UNITED LIFE INSURANCE COMPANY HOUSTON, TEXAS GA Commission Schedule Health and Disability Products 1st Yr. % Renewal % 24 Hour Accident- Individual- excludes AZ and CO 40 5 Voluntary Group Accident

More information

TRICARE Retiree Dental Program

TRICARE Retiree Dental Program TRICARE Retiree Dental Program Enhanced-Overseas Program enrollment brochure Introduction The TRICARE Retiree Dental Program (TRDP) has been the premier dental benefits plan available to Uniformed Services

More information

No medical questions Affordable monthly premium Easy online enrollment

No medical questions Affordable monthly premium Easy online enrollment Limited benefit medical insurance coverage for individuals and families. No medical questions Affordable monthly premium Easy online enrollment The IHC Group is an insurance organization composed of Independence

More information

BENEFITS OF YOUR. Long-Term Disability Income Insurance

BENEFITS OF YOUR. Long-Term Disability Income Insurance BENEFITS OF YOUR Long-Term Disability Income Insurance Disability Benefits PARTIAL DISABILITY BENEFIT If you return to work after a covered total disability that began before age 65, you may be entitled

More information

LIFE INSURANCE. Product Disclosure Statement

LIFE INSURANCE. Product Disclosure Statement LIFE INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents

More information

Blue Solutions Specialty Services

Blue Solutions Specialty Services Blue Solutions Specialty Services For small employers Offer your employees the most comprehensive benefits package Adult Dental Plans Accident & Critical Illness Insurance Global Travel Insurance ibx.com/bluesolutions

More information

For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes:

For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: 1. What are the basic benefits on a Medicare Supplement Policy? For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: a.) First 3 Pints

More information

The International Major Medical Plan

The International Major Medical Plan FOR Foreign Nationals Visiting the USA Foreign Nationals Working in the USA Foreign Nationals in their Home Country Working for a USA Company USA Citizens Returning to the USA USES Tourism Immigration

More information

ABCDEFGHIJKLMABCDEFGHI

ABCDEFGHIJKLMABCDEFGHI Colonial Penn Life Insurance Company A Stock Company Home Office: 399 Market Street Philadelphia, PA 19181 Administrative Office: 11825 North Pennsylvania Street Carmel, IN 46032 (800) 800-2254 NAME OF

More information

... ... Guide to Group 10-Year Level Term Life Insurance N S P E ...

... ... Guide to Group 10-Year Level Term Life Insurance N S P E ... Guide to Group 10-Year Level Term Life Insurance Answers to Your Questions About Group 10-Year Level Term Life Insurance What exactly do you mean by 10-Year Level Term? When you buy Level Term life insurance,

More information

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. What You should Know About Buying Life Insurance

More information

Illinois Standard Health Employee Application for Small Employers

Illinois Standard Health Employee Application for Small Employers Illinois Standard Health Employee Application for Small Employers INSURER USE ONLY Policy/Group No. Section No. Effective Date New Hire Waiting Period For assistance in completing this application, please

More information

Green Shield Canada (GSC) Extended and Individual Travel Health Plans for GMCL Salaried Retirees

Green Shield Canada (GSC) Extended and Individual Travel Health Plans for GMCL Salaried Retirees Green Shield Canada (GSC) Extended and Individual Travel Health Plans for GMCL Salaried s The base travel plan for GMCL Salaried s (who retired on or after January 1, 1995) provides coverage for the first

More information

10% 31.5% ASCE Group Term Life Insurance. Rate Decrease as of September 1, 2014 ASCE MEMBER INSURANCE PROGRAM

10% 31.5% ASCE Group Term Life Insurance. Rate Decrease as of September 1, 2014 ASCE MEMBER INSURANCE PROGRAM ASCE MEMBER INSURANCE PROGRAM ASCE Group Term Life Insurance 10% Rate Decrease as of September 1, 2014 Student loans. New car. Mortgage. Childcare. Bank loans. Do you have these financial responsibilities?

More information

CIGNA INTERNATIONAL EXPATRIATE BENEFITS. MBA : Medical Benefits Abroad. Important Travel Documents

CIGNA INTERNATIONAL EXPATRIATE BENEFITS. MBA : Medical Benefits Abroad. Important Travel Documents CIGNA INTERNATIONAL EXPATRIATE BENEFITS MBA : Medical Benefits Abroad Important Travel Documents Contact Card Free Phone: +1.800.243.1348 (If dialing internationally, use that country s AT&T Direct access

More information

Treutlen County Board of Education

Treutlen County Board of Education Treutlen County Board of Education Your 2015 Open Enrollment Benefits Briefing Disclaimer This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains

More information

US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE

US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE INTRODUCTION This booklet is published by the US Army NAF Employee Benefits Office. It is intended to provide you with useful information about the US Army

More information

Legacy Medigap SM. Plan A and Plan C. Outline of Medigap insurance coverage and enrollment application for

Legacy Medigap SM. Plan A and Plan C. Outline of Medigap insurance coverage and enrollment application for 2015 Medicare Supplement Coverage offered by Blue Cross Blue Shield of Michigan Legacy Medigap SM Outline of Medigap insurance coverage and enrollment application for Plan A and Plan C LEGM_S_LegacyMedigapBrochure

More information

GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 Milwaukee Avenue, Glenview, Illinois 60025 (847) 699-0600

GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 Milwaukee Avenue, Glenview, Illinois 60025 (847) 699-0600 GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 Milwaukee Avenue, Glenview, Illinois 60025 (847) 699-0600 HOSPITAL CONFINEMENT INDEMNITY INSURANCE CERTIFICATE EFFECTIVE DATE: Your insurance under the Group

More information

SHORT-TERM ABROAD Health care benefits for your mission workers

SHORT-TERM ABROAD Health care benefits for your mission workers SHORT-TERM ABROAD Health care benefits for your mission workers 112331 2/15 Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. 1 OUR MISSION:

More information

Group Traditional Term Life Insurance Plan

Group Traditional Term Life Insurance Plan American College of Surgeons Insurance Program Group Traditional Term Life Insurance Plan Why should you consider the ACS Group Traditional Term Life Insurance Plan? As a surgeon you have many obligations

More information

DISABILITY BENEFITS. An explanation of the salary protection program available to IMRF members. Locally funded, financially sound.

DISABILITY BENEFITS. An explanation of the salary protection program available to IMRF members. Locally funded, financially sound. DISABILITY BENEFITS An explanation of the salary protection program available to IMRF members. 02/2015 Locally funded, financially sound. YOUR IMRF DISABILITY CHECKLIST Please use this checklist when

More information

Email Address: _ Pre-Disability Earnings: $ City: State: Zip Code: Beneficiary Print full name & relationship to you

Email Address: _ Pre-Disability Earnings: $ City: State: Zip Code: Beneficiary Print full name & relationship to you GROUP DISABILITY INCOME INSURANCE APPLICATION HARTFORD LIFE INSURANCE COMPANY Simsbury, Connecticut 06089 Policyholder: (Participating Organization) Policy No.: Certificate No.: (Leave Blank) AGP-5697

More information

Group Term Life Insurance

Group Term Life Insurance Professional Pilot & Spouse Group Term Life Insurance No exclusions except suicide which is removed as an exclusion after two years of new coverage or increased coverage. Up to $150,000 in coverage available

More information

M E D IC A RE SUP P LEMENT INS URANCE BASIC PLAN WITH OPTIONAL RIDERS EXTENDED BASIC PLAN CO-PAYMENT PLAN HIGH DEDUCTIBLE PLAN

M E D IC A RE SUP P LEMENT INS URANCE BASIC PLAN WITH OPTIONAL RIDERS EXTENDED BASIC PLAN CO-PAYMENT PLAN HIGH DEDUCTIBLE PLAN M E D IC A RE SUP P LEMENT INS URANCE BASIC PLAN WITH OPTIONAL RIDERS EXTENDED BASIC PLAN CO-PAYMENT PLAN HIGH DEDUCTIBLE PLAN HELPING PROVIDE FINANCIAL SECURITY An Aetna Company Minnesota CLIMS01140MN

More information

Expenses must be covered by the insured s Major Medical/Comprehensive Policy for benefits to be paid under this product.

Expenses must be covered by the insured s Major Medical/Comprehensive Policy for benefits to be paid under this product. UNDERWRITING GUIDELINES BENEFIT CONNECTION GROUP SUPPLEMENTAL MEDICAL EXPENSE INSURANCE Underwritten by Companion Life Insurance Company Administered and Arranged through Special Insurance Services, Inc.

More information

Affordable Care Act (ACA) Frequently Asked Questions

Affordable Care Act (ACA) Frequently Asked Questions Grandfathered policies Q1: What is grandfathered health plan coverage? A: The interim final rule on grandfathering under ACA generally defines grandfathered health plan coverage as coverage provided by

More information

PROTECTION. COMMITMENT. STABILITY.

PROTECTION. COMMITMENT. STABILITY. ACS GROUP 10-YEAR LEVEL TERM LIFE Underwritten by New York Life Insurance Company PROTECTION. COMMITMENT. STABILITY. Did you know that half of American households lack adequate life insurance coverage?

More information

Group Disability Income Insurance Because You Never Know

Group Disability Income Insurance Because You Never Know The right coverage, group rates, reliable companies. In my opinion, AAO-endorsed insurance is a no-brainer. Dr. Bryon Viechnicki, Bethlehem, PA Group Because You Never Know 1200 East Glen Avenue, Peoria

More information

www.healthcareinternational.com

www.healthcareinternational.com REVOLUTIONISING TRAVEL INSURANCE www.healthcareinternational.com Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we have the experience

More information