Group Hospital Confinement Indemnity Gap Insurance

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1 Group Hospital Confinement Indemnity Insurance Maltby Electric Supply Co., Inc. announces Insurance protection Proposed effective date: 03/01/2013 Help for the in-between time Managing routine health care costs is difficult enough, but when you have a covered sickness or injury that requires a hospital stay or expensive outpatient procedures, you could find yourself trying to manage insurance deductibles, co-pays or other expenses not fully paid by your heath insurance. insurance is a hospital confinement indemnity insurance product that provides supplemental benefits to your existing Major Medical/Comprehensive plan. It helps you cover the expense gap that out-of-pocket costs related to co-insurance, co-pays and deductibles can cause. If you are already enrolled in a high deductible medical plan, or are thinking about switching to one, you can have peace of mind by enrolling in coverage to help manage your out-ofpocket medical expenses. - the facts Over $1,600 The average cost of a one day inpatient hospital stay. 1 5 days Average length of hospital stay. 2 Over $1,800 The average annual deductible for individuals with HDHPs. 3 51% Of covered workers have coinsurance for hospital admissions. 3 1 Kaiser State Health Facts, 2007; Health Costs and Budges. 2 CDC/NCHS, National Hospital Discharge Survey, 2008 Edition 3 The Kaiser Family Foundation and Health Research & Educational Trust: 2009 Employer Health Benefits Annual Survey. Key Advantages of This Plan Fast and accurate claims service. No health questions for timely applicants. No exclusions for pre-existing conditions. Group Hospital Confinement Indemnity Insurance is underwritten by Fidelity Security Life Insurance Company. Policy #MG-111; Policy Form #M This is a limited policy and has some specific benefit limits. Please refer to the issued insurance policy for complete details and all benefit requirements, including all limitations, exclusions and restrictions. The policy may be canceled with advance written notice to the policyholder. Insurance policies and certain policy benefits are subject to state variations and availability. Issued insurance contracts determine all plan features and benefits. Contact Assurant Benefits for additional details. Assurant Benefits is the brand name for Group Hospital Confinement Indemnity GAP insurance underwritten by Fidelity Security Life Insurance Company.

2 Affordable premiums The financial assistance that insurance provides doesn t have to take a big bite out of your wallet. Review the costs below and the benefits to determine if insurance is right for you. We ve included an example of how benefits can be paid under this plan to help you with your decision. Attained Age Plus Spouse Plus Children Plus Family Plan Payment Example The following examples are for illustrative purposes only. Your Major Medical plan might have different benefits than depicted below. Let s assume that your Major Medical plan has a $1,500 deductible with 80/20 coinsurance and $2,500 out-of-pocket maximum. Inpatient Benefit Payment Example* Outpatient Benefit Payment Example* Example: Hospital Stay & Surgery totaling $12,000 Example: One week of radiation for breast cancer totaling $10,000 With Without With Without Deductible: $3,000 $3,000 Deductible $3,000 $3,000 Coinsurance: $2,700 $2,700 Coinsurance: $2,100 $2,100 Total Out-Of-Pocket: $5,700 $5,700 Out-Of-Pocket total: $5,100 Selected Benefit: $5,000 $ 0 Selected Benefit: $2,500 $ 0 Net Out-Of-Pocket: $ 700 $5,700 Net Out-Of-Pocket: $2,600 $5,100 *This hypothetical example is for illustrative purposes only. How do I know if I m eligible to participate in this plan? To elect coverage under this plan, you must be covered under your employer s Major Medical/Comprehensive plan (this does not include any limited medical plan). What about coverage for my family? If you elect coverage for yourself, you can elect coverage for your eligible family members. An eligible dependent means your spouse or unmarried dependent child(ren) who are under 19 years of age (less than age 24 if a fulltime student). Dependent children include stepchildren, legally adopted and foster children. Dependent insurance for a newborn dependent child, including an adopted newborn child or child(ren) placed for adoption, will automatically take effect at birth, adoption or placement for adoption and will continue for 31 days. For insurance to continue beyond the 31 days, you must notify us (if dependent child insurance is not already in force) and make the required premium payment within the 31-day period. Your dependents must be covered under your Major Medical/Comprehensive plan (this does not include any limited medical plan). State variations exist. Please contact Assurant Benefits for additional eligibility information. Do I need to answer any medical questions? No, you can sign up for this coverage without answering medical questions so long as you apply within 31 days of the date you meet your employer s eligibility requirements.

3 What benefits are provided under this plan? This plan provides benefits for out-of-pocket expenses due to hospital confinements and outpatient treatment from a covered injury or sickness up to the annual calendar year maximums selected by your employer. Inpatient Benefits - Hospital Confinement and Emergency Room Pays benefits up to the amount shown, per covered person, per calendar year for hospital confinement due to a covered injury or sickness. Benefits are limited to the deductible, co-payment and co-insurance amounts you or your covered dependent is required to pay under your Major Medical/Comprehensive plan. Hospital emergency room treatment is also covered if emergency treatment is due to covered injury or sickness. If due to covered sickness, hospital confinement is required within 24 hours of the hospital emergency room treatment in order for benefits to be payable. $ 5,000 per person per calendar year maximum Outpatient Benefits Pays benefits up to the amount shown, per covered person, per calendar year for outpatient treatment due to a covered injury or sickness at a hospital, outpatient surgical or emergency facility or a diagnostic testing facility or similar facility that is licensed to provide outpatient treatment. Outpatient treatment does not exclude radiation and chemotherapy. Physician s charges are not covered. Examples of a similar facility where outpatient treatment may be administered include a doctor s office, a free-standing urgent care facility, or a convenient care clinic within a retail setting (e.g. Walgreen s). Benefits are limited to the difference between the benefit paid by your Major Medical/Comprehensive plan and the actual outpatient expenses incurred, which includes any out-of-pocket expenses such as deductibles and coinsurance. $ 2,500 per person per calendar year maximum Note: This benefit is subject to a per family/per calendar year maximum of 2 times the per person, per calendar year maximum. IMPORTANT DEFINITIONS A Major Medical/Comprehensive plan does not include any limited medical program, Medicare, Medicaid. Hospital means a legally authorized and operated institution for the care and treatment of sick and injured persons. It must have graduate registered nurses (R.N.) on 24-hour call and organized facilities for diagnosis or surgery either on its premises or in facilities available to it on a contractual prearranged basis. A hospital is not an institution, or part of it, which is used mainly as a facility for rest, nursing care, convalescent care, care of the aged, or for remedial education or training. Hospital confinement or hospital confined means the insured person is admitted to a facility as an overnight bed patient for a minimum of 15 consecutive hours. LIMITATIONS This product does not have a pre-existing condition limitation, however, a condition must be covered under the insured s Major Medical/Comprehensive plan in order for benefits to be payable under this plan. Therefore, any pre-existing condition limitation applied to the Major Medical/Comprehensive plan would, in effect, limit coverage under this plan. Pregnancy is covered the same as any other illness for insured employees and their insured spouses if the pregnancy is payable under the insured person s Major Medical/Comprehensive plan. Pregnancy (except for Complications of Pregnancy) is not covered for dependent children, unless required by state.

4 EXCLUSIONS The policy does not provide any benefits for the following: Declared or undeclared war or any act thereof; Suicide or intentionally self-inflicted injury or any attempt thereat, while sane or insane; Any Hospital Confinement or other covered treatment for Injury or Sickness while an Insured Person is in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less do not, for this exclusion, constitute service in the armed forces of any country. Upon notification to the Company of entering the armed forces of any country, the Company will return to the Insured pro rate premium paid, less any benefits which have been paid, for any period during which the Insured Person is in such service; Confinement in a Hospital or other covered treatment provided in a facility operated by an agency of the United States government or one of its agencies, unless the Insured Person is legally required to pay for the services; Confinement or other covered treatment for Injury or Sickness which is not Medically Necessary; Confinement or other covered treatment for Dental or Vision not related to an accidental injury; Mental or nervous disorders; Alcoholism, drug addiction or complications thereof; Any Hospital Confinement or other covered treatment for Injury or Sickness for which compensation is payable under any Workers Compensation Law, any Occupational Disease Law, the 4800 Time Benefit Plan or similar legislation; Any hospital confinement or other covered treatment for Injury or Sickness that is payable under any insurance that does not required Deductible and/or Coinsurance payments by the Insured Person; Any hospital confinement or other covered treatment for Injury or Sickness for which benefits are not payable under the Insured Person s Major Medical/Comprehensive Plan; Any hospital confinement or other covered treatment for Injury or Sickness if, on the Insured Person s effective date of coverage, the Insured Person was not covered by a Major Medical/Comprehensive Plan. Our sole obligation will then be to refund all premiums paid for that Insured Person; and An Insured Person engaging in any act or occupation which is a violation of the law of the jurisdiction where the loss or cause occurred. A violation of the law includes both misdemeanor and felony violations.

5 Hospital Confinement Indemnity Plan Q&A 1. What constitutes an outpatient claim? Is it anything that hits the deductible where the major medical pays and there was no admission to the hospital? Outpatient treatment can be covered under the plan if it is for sickness or injury and not otherwise excluded under the policy. Treatment must be performed in a hospital, outpatient surgical or emergency facility or a diagnostic or similar facility that is licensed to provide outpatient treatment. Similar facilities includes a physician s office. Urgent care facilities, either free-standing or within a retail outlet (such as Walgreens ) are also considered a similar facility. Outpatient treatment provided at the person s home is not covered. -adminis 2. How are physician charges handled? Physician charges that are incurred while a person is hospital confined are payable under the Inpatient Benefit. In any other circumstance, the physician charge and/or the physician s office visit charge are not payable under the plan. 3. How is chiropractic care handled? Charges for manipulation are not covered, however, x-rays or other diagnostic imaging provided at the chiropractor s office could be covered. 4. Are Hospital Nursery Wellbaby Charges covered? No, because the plan only pays benefits for sickness or injury. 5. What are some other examples of a medical procedure or claim that would go against a health insurance deductible but would not be covered by the base plan or Outpatient Rider?* Prescriptions, including those for medical equipment such as a CPAP machine. Elective procedures Wellness benefits, e.g. annual mammograms, immunizations Treatment for Mental/Nervous/Alcohol/Drug disorders Treatment for injuries or illness that is covered by Workers Compensation Durable medical equipment unless delivered in the Outpatient/ER of a hospital (e.g. crutches) *Examples only. For a full list of exclusions, consult the policy. This Hospital Confinement Indemnity insurance policy provides limited benefits. This limited policy has some specific benefit limits and is not a medical insurance policy, a Medicare Supplement policy, or a high deductible health plan. Please refer to the issued insurance policy for complete details and all benefit requirements. Assurant Benefits is the brand name for Group Hospital Confinement Indemnity insurance underwritten by Fidelity Security Life Insurance Company. Insurance coverage and certain policy benefits may not be available in all states. Certain provisions, benefits, exclusions or limitations may vary by state. Plans contain limitations, exclusions and restrictions Cut below reference card and show it to the provider at time of visit Claim Submission Checklist: HOSPITAL CONFINEMENT INDEMNITY/GAP PLAN CLAIM SUBMISSION INSTRUCTION CARD Please provide a copy of this card to your health care provider in order for them to assist with the claim submission via fax or mail. MALTBY ELECTRIC GRROUP NAME: TOA ELECTRONICS, INCSUPPLY CO., INC GROUP NO.: # SUBSCRIBER NAME: MEMBER ID: EMPLOYEE/SUBSCRIBER S SSN BENEFITS MAX.: OUT/ IN-PATIENT $$2500/ 2500/$6000 $ Major medical Explanation of Benefits (EOB) Itemized bill (UB92/HCFA, including procedure and diagnosis) Assurant Claim Form Assurant Benefits Claims: P.O. Box , Kansas City, MI Fax: Claims Inquiry: x5 Eligibility: *Claim payment is made directly to the claimant. Core Financial Services x Page 5

6 Assurant Medical Benefits Expenses Inpatient Benefit Up to $5,000 per person per calendar year Per Family Maximum: None Out-Patient Up to $2,500 per person per calendar year Maximum benefit: 50% of inpatient amount X-Ray/Lab in Physician s Office Emergency Room Ambulance Out-Patient Radiation/Chemo Out-Patient Physical Therapy Chiropractic -Lab/imaging Durable Medical Equipment Out-Patient Surgery -Physicians Office -Outpatient Facility Diagnostic Testing -Physicians Office -Clinics/Urgent Care Facilities -Hospital/Outpatient/MRI Facility Mental/Nervous & Drug/Alcohol Claims Handling Not Claimant submits: 1) Claim form 2)Medical EOB/Itemized Bill Pre-Existing Conditions Pregnancy Underwriting I.D. Cards Participation Requirements Group Size Claims are paid directly to claimant within 3 to 5 business days after receipt of 1 and 2 above. No pre-ex applies No pre-ex applies Guaranteed Issue No, not all providers take ID cards or handle paperwork for claimant. This ambiguity causes dissatisfaction at claim time for those claimants that have I.D. Cards. Therefore, Assurant has decided to keep the claims filing process between the claimant and Assurant (see claims handling above). Minimum of 5 enrolled lives 51+ employees eligible for medical coverage (California sitused groups)

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