This policy provides coverage for treatment to a maximum of U.S. $2,000,000.00 per person annually, less the deductible as stated on the Certificate of Insurance and the member's Identification Card. Deductibles are per person per policy year. Families have a maximum of three (3) times the stated deductible per year.

Benefits (See policy for complete list)

• Worldwide Coverage - has no geographical exclusions
• $2,000,000 annual benefit maximum - relieves concern over limited coverage
• No lifetime benefit maximum - complete peace of mind even for long-term needs
• Coverage for pre-existing conditions - eliminates concern over existing medical conditions
• Emergency medical air transportation - provides for air evacuation when necessary
• Dependents Coverage - allows for full coverage of dependents until age 21 or 24
• HIV coverage including AIDS treatment - excludes coverage as a pre-existing condition
• Well baby care - covers up to 9 visits and up to 24 months for immunizations
• Maternity benefit of $10,000
• Emergency Room Treatment - covers standard emergency room expenses
• Emergency Dental - $5,000 maximum for emergency treatment
• Prescription drug coverage included
• Acupuncture / homeopathy - annual coverage of $500
• Preventive Care Benefit - if selected provides up to $200 or $400 per year for physical examinations
• Policies available with geographic restrictions
• Treatment for alcohol and drug abuse is covered through an online substance abuse program
• Mental health including Attention Deficit Disorder and Attention Deficit Hyperactive Disorder

Exclusions (See policy for complete list)

• Charges in Excess of Usual and Customary - patient is responsible for excess costs
• Addictive Conditions - treatment as a result of drug and alcohol abuse and self-inflicted injury
• Reproductive Treatments - birth control pills, vasectomies, sexual dysfunction
• Cosmetic and Elective Surgery - treatment not deemed medically necessary