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Medical Questions
Dental Questions
Vision Questions
Short and Long Term Disablity
Term Lift Questions

Medical Questions

What are the co-pays?
The only co-pays are on the prescriptions: $10 generic & $50 Name brand

What are the deductibles?
No deductible

Are Pre-Existing conditions covered?
All pre-existing conditions are covered from the first day

Does it cover all states? Yes

Is there a website or contact number to find participating providers?
Yes, 800-557-1656

What is the waiting period?
Current month’s payment for following month coverage

How are premiums paid?
Bank draft or credit card or Payroll deduction if Employer participates

Dental Questions

What percentage does this cover?
After annual deductible: Preventive/100%, Basic/80%, Major/50%

What are the deductibles?
$50 annual per person x three, after three no further deductible

Does it include Orthodontia? No

Is there a waiting period?
Preventive/No, Basic/No, Major/12 months without prior coverage

Vision Questions

What percentage does this cover?
100% exam & lenses12 months, Up to $120 frames/24 months

What are the co-pays?
$20 – exams, $20 - materials

Short and Long Term Disability Questions

How long do they have to be off from work before it starts to pay?
30 days

What percentage does it pay?
STD 50% of gross up to $750 weekly, LTD 50% of gross up to $5,000 monthly

How long does each one pay?
STD - 22 weeks, LTD – 2 years

Term Life Questions

What are rates?
Vary, based on age and smoking status

Are there any health questions or exams necessary?
Not when coverage is elected at original enrollment