SAVERS CHOICE OF AMERICA ASSOCIATION

Transcription

1 SAVERS CHOICE OF AMERICA ASSOCIATION Association Benefits provided by: Billing, Fulfillment, and Customer Service provided by: HiiQuote.com

2 The Savers Choice of America Association (SCA), is a not-for profit organization that provides memberships to individuals. Members enjoy access to a variety of health, travel, consumer discounts and business services. You can count on SCA to continuously and aggressively seek out new discounts to add further value to memberships in the association. Services and discounts you will enjoy as a member may include a collection of the following: ID Resolution Identity Theft Service The ID resolution, a leader in providing management services, offers victims or suspected victims unlimited access to an assigned fraud specialist who will facilitate the resolution of virtually any identity-related problem. Sprint-Wireless/Cellular and Mobile Broadband Members receive access to an average savings of 25%-35% compared to Sprint Competitors with a 19% program discount on most rate plans. Other programs are available as well such as Mobile Broadband discounts, savings are exclusive to new Sprint subscribers only. Travel Assistance Plan As a member, you receive the following services through the Travel Assistance Program when traveling more than one hundred (100) miles from your permanent residence. Hewett-Packard Computer and Digital Equipment As a member, you receive discounts on HP notebooks, laptops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more. Customized Web Services - NAC Web Services NAC Web Services provides the advantage of Website development and maintenance. NAC Web Services boasts an experienced staff of programmers and graphic designers ready to work for you. All of the latest programming capabilities including HTML, ASP.NET, Flash, XML, and database connectivity are available to you as an association member. UPS Express Delivery Services Improved program - featuring lower rates! Member discounts on UPS delivery services include 14-28% off Next Day Air /Next Day Air Saver Letter/Package and Worldwide ExpressSM. Office Depot Office Supplies and Furniture Sign up for the Office Depot program and qualify for discounts off the list price on over 16,000 items. Members report they save an average of 30% when compared to their previous office supplies provider. Buy online from the discounted member website, by phone or fax, or in the retail stores. There is FREE SHIPPING for members. 24-Hour Emergency Roadside Assistance Association Members can gain peace of mind on the road by registering for Emergency Roadside de Assistance. Savers Club Book Everyday savings are right at your fingertips! With your membership, you can get a free copy of our popular pular Savers Club Book, containing thousands of discounts. Hop The Shops Through a special arrangement with egroup Manager, you have preferred customer access to HopTheShops.com, ho ps om a premium on-line shopping mall. Carperks Buying Network This program allows association members to benefit from a National Corporate Pricing Program. The Carperks dealer network has agreed to sell automobiles for a price better than their best Internet price, resulting in a price hundreds of dollars lower than the sales price of the retail sales department. 1800Flowers.com Your Association membership lets you save 15%* when you order flowers and/or gifts from 1800Flowers.com, one of America s top providers of floral and specialty gifts. Car Rental Discounts Take advantage of affordable auto rental from Avis, Budget, and Dollar Rent a Car. GymAmerica.com As a member, you and your family receive special pricing at GymAmerica.com. Vitamin Discount HealthFitLabs is an on-line/mail order company that sells only the highest-quality ty natural vitamins, nutritional supplements, and bath and personal care products. Disclaimer: These are association or lifestyle discount services and are not affiliated with any Insurance Product or Insurance Company. There are multiple tiers of memberships in the association; the listed benefits is a brief overview, not all benefits are included in every membership of the association

3 Underwritten by: Freedom Life Insurance Company of America Membership with Savers Choice of America Association (SCA)* includes a Blanket Group Fixed Indemnity Insurance Plan and is ideal for those who: Have been declined coverage for an individual major medical plan due to health or occupation Cannot afford the cost of an individual major medical plan Work for an employer that doesn t offer health benefits or has reduced employee health benefits Need help covering the deductible and coinsurance gaps on a major medical plan Exclusive Features: US Citizenship is not required, only US residency for twelve (12) consecutive months Choose any doctor or Hospital in or out of the MultiPlan PPO Network* 6 Plan Options, Featuring: Hospital Room & Board Daily Fixed Indemnity Benefit - Choice of $250, $500, $750, $1,000 or $1,500 per day No Lifetime Maximum per covered member Surgery, Lab, X-Ray, Emergency Room, and Ambulance benefits Wellness Benefits - Annual Physical Examination, Routine Child Immunizations, Mammogram Prescription Drug Daily Fixed Indemnity Benefits No waiting period on Accidental Injuries, thirty (30) day waiting period on Sickness. Pre-existing Conditions excluded for twelve (12) months after the Effective Date of your membership. *Multiplan PPO Network is not affiliated with Freedom Life Insurance Company of America. Who is eligible to apply for membership? Saver s Choice Association membership is available to individuals from age eighteen (18) through age sixty-four (64). Dependent children are eligible for coverage through age twenty-five (25). There is no requirement for the dependent to be a full-time student, only that they must be a dependent of the Insured member. Dependent coverage ends at age twenty-six (26). Membership provides access to Blanket Group Fixed Indemnity Insurance benefits, underwritten by Freedom Life Insurance Company of America, available in the following states: AL, AR, AZ, CO, DE, FL, GA, IA, IL, IN, KY, LA, MO, MS, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV and WY. Are there any waiting periods for association benefits? There are no waiting periods. You can begin saving once Your payment is accepted and approved. However Pre-existing Conditions are not covered for twelve (12) months after Your membership s Effective Date. When does my coverage begin? Once Your payment is processed and approved Your membership can be effective at the earliest two days from Your enrollment date or Your selected date no longer than thirty (30) days from Your enrollment date. The member s fulfillment package and ID Card is available immediately after purchase is completed. Membership handbook and identification cards will arrive via U.S. Mail within 3-5 business days after payment is received and approved. Do I have to use a MultiPlan Network provider? Members under this plan may choose to be treated within or outside of the MultiPlan Network. Multiplan consists of hospitals, physicians, and other health care providers organized into a network for the purpose of delivering quality health care at affordable rates. As part of your Membership plan, an arrangement has been negotiated with the MultiPlan Network to treat Insured individuals for a reduced fee over the customer fees of non-network Providers. Reimbursement rates will vary according to the source of care as described in Your Plan Benefits. In order to use the services of a Participating Provider, you must present the Identification Card that is provided to You upon purchase of Your plan and payment of the membership retail cost. To determine which providers are in the MultiPlan Network, call or go online to FALM

4 Freedom Access Membership - Blanket Group Fixed Indemnity Savers Choice of America Association with Freedom Access membership offers the following Blanket Group Fixed Indemnity Insurance benefits, underwritten by Freedom Life Insurance Company of America available in AL, AR, AZ, CO, DE, FL, GA, IA, IL, IN, KY, LA, MO, MS, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV and WY. Benefit Schedule QUALITY CLASSIC PREFERRED DELUXE ULTRA SELECT Hospital Room & Board Daily Fixed Indemnity Benefit $250 $500 $750 $1,000 $1,500 $1,000 Maximum Calendar Days per Membership Year Hospital Inpatient Admission Daily Fixed Indemnity Benefit None None None $500 $500 None Maximum Calendar Days per Membership Year Excluded Mental Nervous / Substance Abuse Yes Yes Yes Yes Yes Yes Hospital Intensive Care Unit Room & Board Daily Fixed Indemnity None None None None None $2,000 Benefit Maximum Calendar Days per Membership Year Hospital Miscellaneous Expenses Daily Fixed Indemnity Benefit None $100 $100 $200 $200 None Maximum Calendar Days per Membership Year Surgery Daily Fixed Indemnity Benefit payments for each applicable calendar day will be the amount shown for the applicable surgical procedure and Surgical Period listed in the Schedule of Operations Surgery Daily Fixed Indemnity Benefit None $10- $1,000 $15 - $1,500 $30 - $3,000 $50 - $5,000 Outpatient Surgery Daily Fixed Indemnity Benefit None $10- $1,000 $15 - $1,500 $30 - $3,000 $50 - $5,000 Annual Physical Examination Daily Fixed Indemnity Benefit $75 None $50 $100 $75 $75 Maximum Calendar Days per Membership Year Mammogram Daily Fixed Indemnity Benefit None None $50 $100 $100 None Maximum Calendar Days per Membership Year Per Provider Visit None None $50 $100 $100 None Maximum Benefit per Calendar Year Doctor Office Visit For Sickness & Injury Daily Fixed Indemnity Benefit $50 $50 $75 $100 $100 $50 $50 - $5,000 $50 - $5,000 Maximum Calendar Days per Membership Year Benefit Per Calendar Day - Generic $10 $10 $10 $10 $10 None Maximum Calendar Days per Membership Year Benefit Per Calendar Day - Brand None None None $20 $20 None Maximum Calendar Days per Membership Year Emergency Room Daily Fixed Indemnity Benefit None $100 $100 $200 $200 $75 Outpatient Surgery Facility Daily Fixed Indemnity Benefit None None None None None $75 Maximum Calendar Days per Membership Year Outpatient Diagnostic X-Ray Daily Fixed Indemnity Benefit $25 $25 $50 $50 $75 $50 Maximum Calendar Days per Membership Year Outpatient Diagnostic Lab Daily Fixed Indemnity Benefit $25 $25 $50 $50 $75 $50 Maximum Calendar Days per Membership Year Outpatient CAT Scan Daily Fixed Indemnity Benefit None None None $100 $100 None Maximum Calendar Days per Membership Year Outpatient MRI Daily Fixed Indemnity Benefit None None None $100 $100 None Maximum Calendar Days per Membership Year Outpatient PET Scan Daily Fixed Indemnity Benefit None None None $100 $100 None Maximum Calendar Days per Membership Year

5 Benefit Schedule QUALITY CLASSIC PREFERRED DELUXE ULTRA SELECT Emergency Ground Ambulance Transport Daily Fixed Indemnity None $100 $100 $100 $100 $125 Benefit Emergency Air Ambulance Transport Daily Fixed Indemnity Benefit None $100 $100 $100 $100 $1,000 Pre-Natal Doctor Office Visit Daily Fixed Indemnity Benefit None None None None $60 None Maximum Calendar Days per female, per Membership Year In-Hospital Labor & Delivery Daily Fixed Indemnity Benefit None None None None $400 None Maximum Calendar Days per Membership Year Hospital Miscellaneous Expense Daily Fixed Indemnity Benefits for Severe Burn None None None None None $3,000 There is a twelve (12) month Pre-existing Condition waiting period for Hospital Confinement, ICU, and Surgery relating to a Pre-existing Condition. Pre-existing Condition means an Insured s illness or other medical condition, (physical or mental) which Manifested during the twelve (12) month period immediately preceding the Effective Date of coverage under this Blanket Group Fixed Indemnity Insurance Policy for such Insured. There is a thirty (30) day waiting period for all Sickness coverage, before Benefits will be paid. Sickness means illness or disease afflicting an Insured, which first Manifests itself thirty (30) days after the Effective Date and while this Blanket Group Fixed Indemnity Insurance Policy is in full force and effect for such Insured. Pregnancy, pre-natal evaluations and monitoring, labor and delivery, and recovery therefrom are not considered a Sickness under this Blanket Group Fixed Indemnity Insurance Policy unless they constitute Complications of Pregnancy. Benefits reduce by fifty percent (50%) when an Insured member reaches age sixty-five (65). The Blanket Group Fixed Indemnity Insurance is not major medical or comprehensive medical insurance coverage and is neither a Minimum Essential Health Benefit Plan nor Workers Compensation Insurance under federal and/or state law. The Benefits will not satisfy the individual mandate as defined by the Patient Protection and Affordable Care Act. The Blanket Group Fixed Indemnity Insurance Policy provides a predetermined and fixed dollar amount of Covered Medical & Surgical Services. Members are responsible for all amounts charged in excess of the fixed benefit amount and network discounts. The exact provisions are contained in the Blanket Group Fixed Indemnity Insurance Policy issued to the Savers Choice of America Association by Freedom Life Insurance Company of America. *As an SCA member insured under Freedom Access membership, you cannot be disqualified or turned down for the benefits of this program due to any Pre-existing Condition. The membership does have a twelve (12) month waiting period before You will be eligible for any payable benefits under the scheduled medical benefi t health plan for any Pre-existing Condition. However, if You had prior Creditable Coverage and are able to provide a valid Certificate of Creditable Coverage from Your prior carrier to the insurance carrier, Your waiting period may be reduced according to the length of time You were covered under Your prior plan. The insurance carrier will determine if the creditable coverage certificate is qualified. This is not an essential health benefits plan* Pays in addition to your coverage under an essential health benefits plan *The individual mandate under the Affordable Care Act ( ACA ) generally requires individuals to maintain minimum essential coverage in 2014 and beyond, or be subject to payment of the annual shared responsibility payment, the amount of which is based, in part, upon the individual s household income each year (See below of this brochure for details). The Freedom Access Membership plans are fixed indemnity insurance plans, which provide pre-determined fi xed dollar benefi ts on a periodic basis (e.g. daily/monthly) for covered services and are neither essential health benefit plans under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law. Fixed indemnity plans are excepted benefi t plans under the ACA, but are not considered minimum essential coverage under it. Therefore, unless an insured under one of our Freedom Access Membership plans has an exemption from the ACA s individual mandate or maintains minimum essential coverage under the ACA the insured will be subject to the ACA s shared responsibility payment (See page 5 of this brochure for details). ACA Individual Mandate and Shared Responsibility Payment The individual mandate under the ACA generally requires individuals to have minimum essential coverage in 2014 and beyond, or be subject to payment of an annual shared responsibility payment, the amount of which is based, in part, upon the individual s household income each year. The ACA s shared responsibility payment has also been referred to from time to time as a tax and as a penalty, and is payable to the federal government. Fixed indemnity plans are exempt from the coverage and rating mandates of the ACA, and therefore are not considered minimum essential coverage under the ACA. If an individual (a) does not receive an ACA exemption annually from the federal government for the individual mandate, or (b) does not maintain minimum essential coverage under the ACA for 9 or more consecutive months during each year, (including coverage under one of the following types of plans (i) an employer sponsored group health plan, (ii) a grandfathered health plan, (iii) a non-grandfathered health plan for which the government has granted a waiver of the individual mandate, or (iv) an ACA essential health benefits plan), he will be subject to the ACA s annual shared responsibility payment, even if covered under one of the Blanket Group Fixed Indemnity Plans. For additional information on the individual mandate, shared responsibility payment, exemptions from the mandate and other matters concerning the ACA, please visit Underwritten by: Freedom Life Insurance Company of America

6 Benefits will not be paid for changes or loss caused by or resulting from any of the following: LIMITATIONS AND EXCLUSIONS FOR COVERED MEDICAL AND SURGICAL SERVICES LIMITATIONS - WAITING PERIODS: Coverage under this Blanket Group Fixed Indemnity Insurance Policy is limited as provided by the definitions, limitations, exclusions, and terms contained in each and every section of this Blanket Group Fixed Indemnity Insurance Policy, as well as the following limitations and waiting periods: 1. any treatment, medical service, surgery, medication, claim, or loss Provided and received, as a result of an Insured s Pre-existing Condition is not covered under this Blanket Group Fixed Indemnity Insurance Policy unless such treatment, medical service, surgery, medication, claim, or loss constitutes Covered Medical & Surgical Services Provided to and received by such Insured more than twelve (12) months after the Effective Date, and are not otherwise limited or excluded by this Blanket Group Fixed Indemnity Insurance Policy or any riders, endorsements, or amendments attached to this Blanket Group Fixed Indemnity Insurance Policy; 2. any Covered Medical & Surgical Services payable under this Blanket Group Fixed Indemnity Insurance Policy will be reduced by fifty percent (50%) when the applicable Insured is age sixty-five (65) or older, based on the Insured s most recent birthday, on the date the Benefit becomes payable; and 3. We will pay Covered Medical & Surgical Services listed in the COVERED MEDICAL AND SURGICAL SERVICES Section of the Blanket Group Fixed Indemnity Insurance Policy that occur after the first thirty (30) days as defined in the definition of Effective Date. EXCLUSIONS: Coverage under this Blanket Group Fixed Indemnity Insurance Policy is limited as provided by the definitions, terms, conditions, limitations, and exclusions contained in each and every section of this Blanket Group Fixed Indemnity Insurance Policy. In addition, this Blanket Group Fixed Indemnity Insurance Policy does not provide coverage for professional and medical services Provided to an Insured or any fixed indemnity payment obligation for Us under this Blanket Group Fixed Indemnity Insurance Policy for any of the following, all of which are excluded from coverage: 1. treatments, care, procedures, services or supplies which do not constitute Covered Medical & Surgical Services; 2. treatments, care, procedures, services or supplies received before the Blanket Group Fixed Indemnity Insurance Policy Issue Date and the Primary Insured Effective Date; 3. Covered Medical & Surgical Services received after this Blanket Group Fixed Indemnity Insurance Policy terminates, regardless of when the condition originated; 4. any treatments, care, procedures, services or supplies which are not specifically enumerated in the COVERED MEDICAL AND SURGICAL SERVICES section of this Blanket Group Fixed Indemnity Insurance Policy and any optional coverage rider attached hereto; 5. any professional services for which the Insured and/or any covered family member are not legally liable for payment; 6. any professional services for which the Insured and/or any covered family member were once legally liable for payment, but from which liability the Insured and/or family member were released; 7. Injury or Sickness due to any act of war (whether declared or undeclared); 8. services provided by any state or federal government agency, including the Veterans Administration unless, by law, an Insured must pay for such services; 9. drugs or medication not used for a Food and Drug Administration ( FDA ) approved use or indication; 10. administration of experimental drugs or substances or investigational use or experimental use of Prescription Drugs except for any Prescription Drug prescribed to treat a covered chronic, disabling, life-threatening Sickness or Injury, but only if the investigational or experimental drug in question: a. has been approved by the FDA for at least one indication; and b. is recognized for treatment of the indication for which the drug is prescribed in: 1) a standard drug reference compendia; or 2) substantially accepted peer-reviewed medical literature. c. drugs labeled Caution limited by Federal law to investigational use ; 11. experimental procedures or treatment methods not approved by the American Medical Association or other appropriate medical society; 12. eye refractions, eyeglasses, contact lenses, radial keratotomy, lasik surgery, hearing aids, and exams for their prescription or fitting; 13. cochlear implants; 14. any professional and medical services Provided an Insured in treatment of a Sickness or Injury caused by such Insured s being intoxicated, as determined by the laws of the jurisdiction where such medical treatment is received, or under the influence of any drug, narcotic or hallucinogens unless administered on the advice of a Provider, and taken in accordance with the limits of such advice; 15. intentionally self-inflicted Injury, suicide or any suicide attempt while sane or insane; 16. Sickness or Injury while serving in one of the branches of the armed forces of the United States of America; 17. Sickness or Injury while in a foreign country and serving on active duty in the United States Army, Navy, Marine Corp or Air Force Reserves or the National Guard; 18. Sickness or Injury while serving on active duty in the armed forces of any foreign country or any international authority; 19. voluntary abortions, abortifacients or any other drug or device that terminates a pregnancy; 20. services Provided by You or a Provider who is a member of an Insured s Family; 21. any medical condition excluded by name or specific description by either this Blanket Group Fixed Indemnity Insurance Policy or any riders, endorsements, or amendments attached to this Blanket Group Fixed Indemnity Insurance Policy; 22. any loss to which a contributing cause was the Insured s being engaged in an illegal occupation; 23. participation in aviation, except as fare-paying passenger traveling on a regular scheduled commercial airline flight; 24. cosmetic surgery or cosmetic dentistry, except for Medically Necessary cosmetic surgery performed under the following circumstances: (i) where such cosmetic surgery is incidental to or following surgery resulting from trauma or infection to correct a normal bodily function, or ii) such cosmetic surgery constitutes Breast Reconstruction that is incident to a Mastectomy provided any of the above occurred while the Insured was covered under this Blanket Group Fixed Indemnity Insurance Policy; 25. breast reduction or augmentation or complications arising from these procedures; 26. Prescription Drugs or other medicines and products used for cosmetic purposes or indications; 27. voluntary sterilization, reversal or attempted reversal of a previous elective attempt to induce or facilitate sterilization; 28. fertility hormone therapy and/or fertility devices for any type fertility therapy, artificial insemination or any other direct conception;

7 29. any operation or treatment performed, Prescription or medication prescribed in connection with sex transformations or any type of sexual or erectile dysfunction, including complications arising from any such operation or treatment, except if this is a result of an accidental Injury, organic cause, trauma, infection, or congenital disease or anomalies; 30. appetite suppressants, including but not limited to, anorectics or any other drugs used for the purpose of weight control, or services, treatments, or surgical procedures rendered or performed in connection with an overweight condition or a condition of obesity or related conditions; 31. any Injury which was caused by an Insured racing any land or water vehicle; 32. medical services Provided and received for the diagnosis, care or treatment of Mental & Emotional, Disorders, Alcoholism, and drug addiction/ abuse; 33. Prescription Drugs that are classified as psychotherapeutic drugs, including antidepressants; 34. except for Complications of Pregnancy, routine maternity related to childbirth, including routine nursery services and well-baby care except as specified in the MATERNITY FIXED INDEMNITY BENEFITS section; 35. contraceptives, oral or otherwise, whether medication or device, regardless of intended use; 36. Outpatient Prescription Drugs that are dispensed by a Provider, Hospital or other state-licensed facility; 37. Prescription Drugs produced from blood, blood plasma and blood products, derivatives, Hemofil M, Factor VIII, and synthetic blood products, or immunization agents, biological or allergy sera, hematinics, blood or blood products administered on an Outpatient basis; 38. level one controlled substances; 39. Prescription Drugs used to treat or cure hair loss or baldness; 40. Prescription Drugs that are classified as anabolic steroids or growth hormones; 41. compounded Prescription Drugs; 42. fluoride products; 43. allergy kits intended for future emergency treatment of possible future allergic reactions; 44. replacement of a prior filled Prescription for Prescription Drugs that was covered and is replaced because the original Prescription was lost, stolen or damaged; 45. any intentional misuse or abuse of Prescription Drugs, including Prescription Drugs purchased by an Insured for consumption by someone other than such Insured; 46. programs, treatment or procedures for tobacco use cessation; 47. Prescription Drugs that are classified as tobacco cessation products; 48. drugs prescribed for the treatment of any disease, illness or condition that has been excluded from coverage under the Blanket Group Fixed Indemnity Insurance Policy by exclusionary rider, limitation or exclusion; 49. charges for blood, blood plasma, or derivatives that has been replaced; 50. treatment of autism; 51. Temporomandibular Joint Disorder (TMJ) and Craniomandibular Disorder (CMD); and 52. treatment received outside of the United States; 53. replacement of lost or stolen prosthetics; and 54. Prescriptions, treatment or services for behavioral or learning disorders, Attention Deficit Disorder (ADD) or Attention Deficit Hyperactivity Disorder (ADHD). NON-WAIVER: Any fixed indemnity benefit payment that is mistakenly or erroneously made by Us under any section or provision of this Blanket Group Fixed Indemnity Insurance Policy shall not: 1. constitute on or after the date of such payment(s) a waiver of or modification to any conditions, terms, coverage, or limitations of coverage contained in this Blanket Group Fixed Indemnity Insurance Policy, specifically including, but not by way of limitation, (i) the definition of any term in the DEFINITIONS Section of this Blanket Group Fixed Indemnity Insurance Policy, (ii) the content of any part of the COVERED MEDICAL AND SURGICAL SERVICES Section of this Blanket Group Fixed Indemnity Insurance Policy, (iii) the content of any part of the LIMITATIONS-WAITING PERIODS Section of this Blanket Group Fixed Indemnity Insurance Policy (including the waiting period for coverage of Pre-existing Conditions), (iv) the content of any part of the EXCLUSIONS Section of this Blanket Group Fixed Indemnity Insurance Policy, (v) the content of any exclusionary or other amendatory rider(s) attached to this Blanket Group Fixed Indemnity Insurance Policy, or (vi) the content of any other Section of this Blanket Group Fixed Indemnity Insurance Policy; 2. operate on or after the date of such payment(s) to alter, amend, affect, abridge or modify the Company s future rights, duties and obligations under this Blanket Group Fixed Indemnity Insurance Policy; 3. operate on or after the date of such payment(s) to alter, amend, affect, abridge or modify any Insured s future rights, duties and obligations under this Blanket Group Fixed Indemnity Insurance Policy; 4. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel, waiver, reformation of contract, or other principle of law or equity) for any medical condition, illness, disease or injury; 5. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel, waiver, reformation of contract, or other principle of law or equity), under any exclusion, waiting period, or limitation of coverage contained in the LIMITATIONS AND EXCLUSIONS FOR COVERED MEDICAL AND SURGICAL SERVICES Section of this Blanket Group Fixed Indemnity Insurance Policy; 6. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel, waiver, reformation of contract, or other principle of law or equity), for any illness, disease, injury or medical service that is excluded from cover age by an exclusionary rider(s) attached to this Blanket Group Fixed Indemnity Insurance Policy; or 7. affect, alter, amend, abridge, constitute or act as a waiver on or after the date of such payment(s) of the Company s ability to rely upon, assert and apply such terms, definitions, conditions, limitations and exclusions contained in this Blanket Group Fixed Indemnity Insurance Policy or any amendment(s) or exclusionary rider(s) attached hereto. Underwritten by: Freedom Life Insurance Company of America

8 Health Insurance Innovations includes the following services and discounts to the Freedom Access Blanket Group Fixed Indemnity Insurance Plan: MultiPlanPPO Network Providers* Limited Benefit Plan Persons insured under this plan may choose to be treated within, or out of, the MultiPlan PPO Network. MultiPlan consists of hospitals, physicians, and other health care providers who have contracted to provide specific medical care at negotiated prices. MultiPlan has almost 900,000 healthcare providers under contract, an estimated 57 million consumers accessing the network products, and 40 million claims processed through the networks each year, giving them more of the experience and resources healthcare payers and providers need to face today s unprecedented costs and competitive pressures. MedCare USA Prescription Discount Card* Members save an average of 15% off retail price on many brand name prescription drugs and 54% off retail price on many generic prescription drugs. Because it is a discount program there are no claim forms, no reimbursement procedures, no pre-existing condition exclusions, no waiting periods, no deductible, no benefit maximums. This card is accepted at over 53,000 pharmacies throughout the United States, including most chains and independent pharmacies. OUTLOOK Vision Discounts* Offers significant savings for the entire family on eyeglasses. Contact lenses, LASIK surgery and eye exams at select locations where approved. Providers conveniently located throughout all 50 states. Most leading retail centers are included in the OUTLOOK Vision network and offer discounts from 10% to 50%. Discounts are given at point of purchase, no limits, no restrictions, and no paperwork. *These are not insurance benefits and are not affiliated with Freedom Life Insurance Company of America or the Freedom Access Membership.