Wellness Association of America. Karis360 MeMD Telemedicine A1Rx Discount Dental Discount Vision Discount Hearing. AFSLIC Limited Medical

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1 BENEFIT INFORMATION AFSLIC Limited Medical Welcome to AFSLIC Limited Medical! We hope you will find this plan to be the perfect solution to offset the rising cost of health care. At A Healthcare, we understand how important it is to have benefits that provide peace of mind for you and your family, as well as help pay for unexpected out-of-pocket healthcare expenses. Please review this information and contact our Customer Service Department at with any questions. Included in this plan: Association Memberships Wellness Association of America Non-Insured Benefits Karis360 MeMD Telemedicine ARx Discount Dental Discount Vision Discount Hearing Insured Benefits AFSLIC Limited Medical Underwritten by American Financial Security Life Insurance Co. PPO Network MultiPlan Limited Benefit Plan Please read through the following product information to learn about your benefits and how to access them. PRINT CODE V-002

2 Association Benefits

3 About the Association The Wellness Association of America membership is designed to address your everyday health and wellness needs. This program was created to assist members in making the necessary lifestyle changes critical to long term health through free ongoing services in addition to member s only savings on wellness benefits.

4 Association Benefits Improve the quality of your life with our programs and lifestyle benefits supported by our trained wellness doctors who promote good health and wellness for your lifetime. Your Wellness Membership includes programs & services that address your everyday health and wellness needs including a comprehensive Wellness Assessment to start your journey today! Free Wellness Assessment Jump start to a healthy lifestyle journey with our in-depth online Wellness assessment reviewed by our Naturopathic Doctor Free One-on-One Consultation An experienced Wellness Doctor will be able to provide a recommended treatment plan to improve the quality of your life naturally Weight Loss Program Our Naturopathic Doctor will create a customized weight-loss program per each individual s goals Lifetime Weight Management Our Naturopathic Doctor will create a plan to help you maintain your goal weight with your everyday lifestyle Natural Allergy Management Manage your seasonal or yearlong allergies with natural supplements recommended by our Naturopathic Doctor Vitamins & Supplements Receive 5% savings and access to high quality Vitamins & Supplements that are only available through our wellness doctor so you can have a healthy lifestyle Wellness Resources & Articles Receive weekly articles which provides advice on how to overcome common health problems such as type 2 diabetes, obesity, thyroid issues, and other metabolic issues Health & Wellness Card Our health & wellness card gives you and your family access to savings on a wide range of health care products and services Prescription Advocacy Will help you find the lowest RX price available on your prescription. You will save up to 25% or more on savings on your prescription by using our prescription savings card To use these benefits: Visit call , or send an to info@america4wellness.com. Not available in AK, CA, CT, DC, HI, ID, ME, MD, MA, MN, MT, NV, NH, NJ, NY, NC, OR, RI, SC, SD, UT, VT, VA, WA & WY

5 Association Benefits Limitations & Exclusions Membership Terms and Conditions. Lifestyle & Wellness Programs/Insured Dental Benefits Disclosures. The Wellness Association of America (WAOA) offers its members several Wellness programs. These programs offer members enhanced wellness opportunities, advice, and access to Pharmaceutical-grade vitamins and supplements. Your membership also offers you the option to select various types of group health insurance products that are made available to you only as a member of WAOA. These products include (a) short term medical insurance; (b) accidental death and dismemberment insurance; (c) critical illness insurance; (d) PPO dental insurance; (e) HMO dental insurance; and (f) other products that may be made available to you from time to time. All of our insurance products are underwritten by insurance companies that are licensed in your state. Currently, these products are offered by American Fidelity Security Life Insurance Company (AFSLIC) and Delta Dental. 2. Membership Payments to Providers. WAOA does not make payments to the providers of healthcare services, all payments are made directly by the applicable license insurance company or its authorized agent. 3. Membership Fees. Membership fees are due monthly either by the 5th day of each month or by the 20th day of each month (the Billing Date ). The Billing Date will be determined by your initial Effective Date. Payment will be automatically processed monthly based on the method of payment you selected at the time of enrollment and verified with you for your protection. 4. Membership Activation. Your membership will become active on your initial Effective Date (the Effective Date ). The Effective Date either is the st day of each month or the 5th day and is determined by the date the initial payment is received, including the enrollment fee. 5. Termination and Returned Check Policy. WAOA reserves the right to terminate a membership without notice for non-payment of monthly membership fees. In the event you need assistance with payment terms, please contact your Wellness Concierge at and we will gladly assist you. Monthly membership fee payments, made by check by a member to WAOA that are not honored by member s financial institution for reasons including, but not limited to, insufficient funds, will incur a returned check fee of $25.00 imposed by WAOA. This returned check fee and associated monthly membership fee shall be due and payable immediately by member. Failure by member to pay the returned check fee and associated monthly membership fee could result in termination of member s WAOA membership, without notice to member, for non-payment. 6. Cancellation Policy. A formal written notice or of cancellation must be received by WAOA no later than ten (0) days before member s Billing Date and your billing will be terminated for the next month. To cancel your membership program after the Trial Period, either send a formal written notice of cancellation to the address listed at the front of this Membership Fulfillment or send an to info@ america4wellness.com. WAOA must receive the termination notice 0 days prior to your next monthly Billing Date otherwise your next month s membership fee will be automatically processed based on the method of payment you selected at the time of enrollment and verified for your protection. Please note that the enrollment fee is non-refundable. Refunds will be processed within ten (0) days of cancellation. For your protection, WAOA will not process your membership cancellation request without your written authorization and signature on the cancellation document. 7. Questions/Issue Resolution. If you have any questions about your WAOA Membership, please call your Wellness Concierge at Change in Terms and Conditions. The WAOA membership program may be modified and/or subject to additional terms and conditions. WAOA reserves the right to change or terminate any terms, conditions, services or benefits without limitation. Prior notice of any material change will be provided to you whenever possible, if required by law. The Wellness Features and Benefits and Supplemental Dental Insured benefits availability are subject to state regulation. Other Terms and Conditions WAOA is not a licensed insurer, HMO or underwriters of healthcare services. No portion of provider s fees will be reimbursed or paid by WAOA, nor will payments be made directly to a provider. All payments to healthcare providers will be made by the licensed insurance company. Participating providers may change without notice and programs may vary by state. This program and contract are not protected by any state Health and Life Guarantee Association. The member acknowledges that the provider networks may have access to personal information protected by Health Insurance Portability and Accountability Act (HIPAA) and approves the limited use of such information by the networks. This WAOA membership program is not available in every state. WAOA does not warrant any professional services and the participating providers and facilities are solely responsible for the professional advice, services, and treatment rendered to members. WAOA and its affiliates expressly disclaim any liability with respect to such matters.

6 Non-Insured Benefits

7 Patient Advocacy Karis360 Coordinating and scheduling appointments with physicians, facilities, and laboratories that work together within your network while being cost-conscious can be very timeconsuming and frustrating. Let the personal advisors at Karis360 do the legwork for you. Healthcare Navigation Physician, Hospital & Specialists Search Karis360 will provide you with a list of local, qualified providers and their best available pricing on requested procedures. This allows you to make an informed, time and money-saving decision on their health care. Same-Day Prescription Cost Search We will search pharmacies to identify the lowest pricing available. Health Cost Estimates We can provide you with cost estimates for various outpatient procedures in your area so you can make informed decisions. Alternative Medicine We can contact and schedule appointments with alternative medicine providers including acupuncture, chiropractic care, massage therapy and more. Laboratory and Imaging Services We can find lab and imaging locations, provide price estimates for tests, and can schedule appointments upon request. Elder Care Solutions We can assist you in locating living facilities, coordinating Home Health Care, transportation, prescription delivery, and exploring Disability and VA benefits, supplemental insurance and more. Appointment Scheduling We can schedule appointments with doctors, specialists, and more all at the convenience of your schedule. Affordable Care Act Answers Karis360 staff is trained to provide answers to the questions involved in the Affordable Care Act. Medical Bill Negotiation Karis360 Advisors will assign members a personal Patient Advocate to work directly with your health care provider to help reduce medical bills. Whether through program qualification, settlement discounts, personalized payment plans, etc. our expert advocates can help lower these medical bills to something more manageable. Surgery Cost Saver Each Karis360 member has access to an experienced Advisor who researches up to five surgical facilities for non-emergency procedures in your area providing information regarding cost, quality, availability and physician privileges Advisors have found an average $3,000 cost difference between the least expensive and most expensive facilities with no difference in quality ratings. Chaplaincy Christian Chaplains are available to listen and provide support and encouragement. To use this benefit: Call Note: Karis360 is not insurance and does not provide funds to pay for bills. This is a best efforts service. Despite Karis360 diligent efforts on member s behalf, some providers refuse to make accommodations to help resolve outstanding bills. Karis360 will not be active until after the first of the month, your policy became effective.

8 Telemedicine MeMD Connect with a Medical Provider 24/7 by phone or online. $0 Consultation fee.* Save time and money with MeMD. For only $9 month, receive video or phone consults with a U.S.-based medical provider from the comfort of your home or at work for non-emergency medical needs. Get the care you need when your doctor is not available. The MeMD medical team includes physicians, nurse practitioners and physician assistants who practice in top-notch healthcare facilities across the U.S. Additionally, all MeMD providers undergo a rigorous credentialing process based upon guidelines set by the National Committee for Quality Assurance (NCQA). Benefits Include $0 consultation fee Three (3) per family member per month 24/7 access from any location home, work, or on vacation Real-time consultations - via webcam, app or phone High quality medical professionals - U.S.-based, board-certified doctors, nurse practitioners and physician assistants Get better quickly receive a diagnosis and a personalized treatment plan including prescriptions, when medically necessary, within 30 minutes or less Affordable care avoid costly visits to the doctor s office, ER or urgent care Sample of Medical Conditions that MeMD Can Evaluate: Abrasions & Bruises Allergies & Hives Skin Infections Bronchitis Cold & Flu Fever Diarrhea Nausea Vomiting Eye Infections Conjunctivitis Mild Cuts Minor Headaches Arthritic Pain Respiratory Infections Sinus Infections Sore Throat Cough & Congestion Urinary Tract Infections Medication Refills (short-term)* To use this benefit: Visit MeMD provides online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. MeMD is not a replacement for your primary care physician or an annual doctor s office visit. MeMD is available 24/7 nationwide, subject to state regulations. *When medically necessary, MeMD providers can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD s providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed. MeMD will not be active until after the first of the month, your policy became effective.

9 Discount Prescription Program ARx ARx is not insurance, but a discount prescription program that offers savings on prescription medications. ARx Features: Savings up to 80% on prescription medications Accepted at 65,000 pharmacies nationwide An open formulary so nearly all medications qualify for discounts Participating Pharmacies Include: CVS Walgreens Walmart Kroger Publix Rite-Aid Simple to Use: Present your ARx card with a valid prescription at a participating pharmacy, and your discount will be applied. You can find a list of participating pharmacies and check for potential savings on your prescriptions at

10 Discount Dental A Discount Dental A Discount Dental provides access to DenteMax one of the largest dental networks in the United States with over 252,000 dentist access points nationwide. DenteMax dentists have agreed to charge members discounted prices. As a member, you ll experience these price savings each time you visit a DenteMax dentist. Save on Basic, Preventative, Major, and Restorative services such as: Routine Cleanings Orthodontics (Braces) Extractions Exams Dentures Fillings X-Rays Cosmetic Dentistry Oral Surgery Root Canals Crowns Periodontics (Gums) Costs may vary by provider. Please check with your dental provider for cost before receiving treatment. Program Features: Save up to 45% on most dental procedures including routine oral exams, cleanings, and major work such as dentures, root canals, and crowns No administrative forms or difficulties No red tape Membership is automatic No limits Visit your chosen dentist as many times as you like No waiting Join now and start saving today No age restrictions All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements Members may visit any participating dentist on the plan and change providers at any time Sample of Savings Procedure Regular Cost* Plan Cost** Savings $ Savings % Office Visit $82 $52 $30 37% Bitewing 4-Image X-Ray $64.75 $33 $ % Cleanings $89.95 $ % Single Tooth Extraction $70.75 $96 $ % PFM Crown $, $74 $ % Root Canal $90 $687 $227 25% **Fees are for visits to a general dentist and prices may vary by region, provider, and specialty. Retail Cost is based on a survey of dental offices and other published fees. Members should confirm fees and provider participation prior to visiting the dentist. Samples are not a guarantee of savings. Payment required at the time of service. To use this benefit:. Visit to select a participating provider. 2. Tell the provider that you are a member of the Dentemax Network when scheduling your appointment. 3. At your appointment, present your A Discount Dental card before receiving treatment. 4. If you or the provider have any questions, contact customer service at This program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration within a thirty-day period. This program does not make payments directly to health care providers. A list of all program providers within the prospective cardholder s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Access One Consumer Health, your Discount Medical Plan Organization, 84 Villa Rd. Greenville, SC The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. Not available in AK, CT, MT, RI, VT & WA. AO-OUTDX-Av7 DVH.

11 Discount Vision Outlook Vision Services OUTLOOK Vision Services is a discount program that provides substantial savings off the regular retail price for eyewear at participating providers. OUTLOOK Vision Services operates in all fifty (50) states as a discount network. The OUTLOOK provider network is comprised of well-known national and regional vision care centers, independent optometrists or opticians, small and large retail optical centers and one-hour type optical centers. Each approved provider is carefully selected through a stringent process to assure the program s standard of quality is not compromised. All locations are licensed and trained in the use of the latest equipment and techniques and offer the highest quality products and services. All providers carry up-to-date top of the line inventories from leading manufacturers. Highlights: Nationwide vision care discount network consisting of over 0,500 providers. Average discounts from 0% to 50% on frames, prescription lenses and sunglasses. Mail-order contact lenses replacement program. Discounts on corrective surgery, where approved, where available. Purchase as often as you like. Choose from the most popular frames, tints and lenses. Immediate savings at point of purchase. Discounts are applied at the point of sale. No paperwork. Outlook Vision Guarantees All merchandise is covered by manufacturer s warranty for materials and workmanship. Once a purchase is made, if you find the identical eyewear within 30 days at a lower advertised price, the difference will be cheerfully refunded. If an Outlook Vision member is not completely satisfied with an eyewear purchase from a participating provider for any reason, it may be returned within 30 days to the place of purchase for a complete refund. OUTLOOK members may choose from our entire network of eye care professionals consisting of well-known optical retailers. Call (800) or visit for participating locations. This program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration within a thirty-day period. This program does not make payments directly to health care providers. A list of all program providers with in the prospective cardholder s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Access One Consumer Health, your Discount Medical Plan Organization, 84 Villa Rd. Greenville, SC The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. Not available in AK, CT, MT, RI, VT & WA. VISIONADV8.20 AO-OUTDX-Av7

12 Discount Hearing Beltone Hearing Network You and your immediate family (parents, grandparents, spouse and children) will receive a free hearing screening and a 5% discount off the retail price a Beltone hearing instrument at more than,500 locations across the country. Highlights: Beltone Hearing Care Network consists of,500 Preferred Providers. FREE Hearing Screening Includes a 0 Step Evaluation Process 5% discount off the retail price of any Beltone Hearing Aid with over 80 models to choose from. All hearing aid technologies available; state of the art digital hearing aids, programmable and analog aids. Available to immediate family members (grandparents, parents, spouse and children). BelCare TM Member Satisfaction Plan A standardized customer service program that ensures you consistent delivery of service regardless of the Beltone location. BelCare TM is a commitment from Beltone Hearing Care practitioners that ensures your experience is professional, comfortable and worry-free. Lifetime Care Program Beltone will service clean, inspect, adjust and service your hearing aid at any Beltone location in the United States for the life of your hearing aid. Warranty and Lost, Stolen or Damaged Protection Coverage National Finance Options Available Toll-Free Consumer Care Number (800) Hearing Care Information and Provider Location Information at Verification of Benefit Within 30 days of delivery member receives a follow-up comparative test showing the improvement in hearing and comprehension. 30-Day Refund Privilege Beltone Hearing Care practitioners offer a 30-Day refund privilege. The practitioner will supply full details, including the amount of any applicable, nonrefundable preparation fee. This program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration at any time. Cancellations within 30 days will receive a refund of membership fees. This program does not make payments directly to health care providers. A list of all program providers within the prospective cardholder s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Access One Consumer Health, your Discount Medical Plan Organization, 84 Villa Rd. Greenville, SC The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. Not available in AK, CT, MT, RI, VT & WA. BT ADV.205 AO-OUTDX-Av7

13 Insured Benefits

14 About the Carrier American Financial Security Life Insurance Company ( AFSLIC ) currently provides a broad range of insurance services in 25 plus States, including Short Term Medical products, Accidental Death and Dismemberment (AD&D), Critical Illness and Supplemental Insurance products, in both individual and group markets. Through their plans, members are able to receive health benefits customized to their insurance needs, becoming better equipped to meet the financial demands of ever-changing healthcare costs.

15 AFSLIC Limited Medical This plan provides limited medical coverage for accidents, illness and specified disease to help cover basic, minormedical expenses for Members that are not eligible for major medical and would like an affordable option and designed to provide basic help for routine medical expenses with immediate, first-dollar coverage for doctor visits, lab-work, x-rays and prescriptions and provides fixed indemnity payments for hospital confinement to help cover a portion of inpatient expenses. This is not considered major medical insurance and is not minimum essential coverage as defined by the Affordable Care Act. LIMITED MEDICAL BENEFITS - Underwritten by AFSLIC Inpatient Hospital Confinement Benefit Plan Plan 2 Plan 3 Plan 4 Daily Benefit Maximum Days per Coverage Period $200 5 $200 5 $200 5 $300 5 Surgery Benefit Inpatient Outpatient Maximum Days per Coverage Period $400 $200 2 $450 $225 2 $500 $250 2 $750 $300 2 Outpatient Surgery Facility Benefit Daily Benefit Maximum Days per Coverage Period $200 $225 $250 $300 Diagnostic X-Ray/Lab Benefit - Option Daily Benefit Maximum Days per Coverage Period $50 $75 $00 2 $00 2 Physician Office Visit Benefit Daily Benefit Maximum Days per Coverage Period $50 3 $75 3 $00 3 $00 3 Preventive Care Benefit Daily Benefit Maximum Days per Coverage Period $50 $75 $00 $00 NOT available in AK, CA, CO, CT, DC, FL, HI, ID, IA, KS, LA, ME, MD, MA, MI, MN, MO, MT, NH, NJ, NY, NC, ND, OR, RI, SC, SD, TN, UT, VT, VA, WA, WV, WY.

16 AFSLIC Limited Medical Limitations & Exclusions We will not provide a Benefit for any of the items listed in this section regardless of Medical Necessity or recommendation of a health care provider.. Treatment, services and supplies, unless for the Medically Necessary care and treatment of medically diagnosed congenital defects and birth abnormalities, which are not related to a specific diagnosis, acute symptoms or course of treatment; medical care or surgery which is not Medically Necessary; and any maintenance type therapy not reasonably expected to improve the patient s condition; 2. [Pre-employment or pre-marital examinations; or routine physical examinations;] 3. Treatment, services and supplies for an Injury caused by an accident that arises out of or in the course of employment or for which the Covered Person is entitled to benefits under any Worker s Compensation Law, Occupational Disease Law or similar legislation; 4. Non-prescription drugs, vitamins, minerals and nutritional supplements; 5. Experimental substances and/or drugs not approved by the Food and Drug Administration, or for investigative drugs or substances labeled Caution Limited by Federal Law to investigational use ; 6. Treatment, services and supplies for Experimental or Investigational procedures, drugs or treatment methods; 7. Treatment, services and supplies for any Experimental or Investigational organ transplant procedure; 8. Treatment, services and supplies for which the Covered Person is not legally required to pay; 9. Telephone consultations, failure to keep scheduled appointments, completion of claim forms, or providing medical information necessary to determine coverage; 0. Treatment, services and supplies provided by a Close Relative (i.e. spouse, child or parent);. Enrollment in including, but not limited to, a health, athletic or similar club or weight loss, non-smoking, exercise or similar programs; 2. Recreational or educational therapy, or non-medical self-care or self-help training, nutritional counseling, marriage, family or goal oriented counseling; 3. Treatment, services and supplies provided outside the scope of the license for the institution or practitioner rendering services; 4. Education, training, custodial care or bed and board while confined to an institution which is primarily a school or other institution for training, a place of rest or a place for the aged, a personal residence; 5. Cosmetic Surgery; 6. Eye examinations, eyeglasses, or contact lenses to correct refractive errors and related services including surgery performed to eliminate the need for eyeglasses, for refractive errors such as radial keratotomy or keratoplasty and hearing exams, hearing aids, or the fitting of hearing aids; 7. Illness or Injury that results from war or an act of war, riot or in the commission or attempted commission of an assault or felony. This includes an act of international armed conflict. It also includes a conflict in which the armed force of any international authority is involved; 8. To the extent that payment under the Policy is prohibited by any law of the jurisdiction in which the Covered Person resides; 9. Travel or transportation by anyone other than professional ground or Air Ambulance; 20. Treatment, services or supplies received prior to the Covered Person s Effective Date, or after their termination date of coverage under the Policy; 2. Inpatient Hospital admission occurring on a Friday or Saturday in conjunction with a surgical procedure scheduled to be performed during the following week. A Sunday admission will be eligible only for the procedure scheduled to be performed early Monday morning. (This limitation will not apply to necessary medical admissions requiring immediate attention or to Emergency surgical admissions); 22. Pregnancy and related services; 23. Custodial Care; 24. Dental services; 25. Voluntary sterilization or reversal thereof; 26. Transsexual surgery and related surgery; 27. Routine foot care; 28. Amniocentesis, ultrasound or any other procedures requested solely for sex determination of the fetus, unless Medically Necessary to determine the existence of a sex linked genetic disorder; 29. Temporomandibular joint dysfunction; 30. Infertility and impregnation procedures, such as but not limited to, artificial insemination, in-vitro fertilization, embryo and fetal implantation and G.I.F.T. (gamete intrafallopian transfer); 3. Intentional self-inflicted Illness or Injury while sane; except that this exclusion will not apply to any self-inflicted Illness or Injury that is the result of a medical condition ; 32. An Illness or Injury incurred (a) during the commission or attempted commission of a crime or felony or while engaged in an illegal act; or (b) while imprisoned; 33. [Physical therapy, Speech therapy and Occupational therapy;] 34. [Mental and Nervous Disorders except if shown as included in the Schedule of Benefits]; 35. [Substance Use Disorders except if shown as included in the Schedule of Benefits;] 36. [Physician s Office visits, except as specified in the Physician s Office Indemnity Benefit, if shown as included in the Schedule of Benefits; ] 37. [Preventive Care except as specified in the Preventive Care Indemnity Benefit, if shown as included in the Schedule of Benefits;] 38. Venipuncture; 39. Prescription drugs; 40. Hospice Care; 4. Home Health Care; 42. [Treatment, services, supplies for obesity, extreme obesity, morbid obesity or weight reduction, including, but not limited to, wiring of the teeth and all forms of surgery including, but not limited to, bariatric surgery, intestinal bypass surgery and complications resulting from any such surgery;] [and] 43. [Treatment, services and supplies for an Illness prior to the expiration of the Waiting Period.] Limitations and Exclusions for Pre-Existing Conditions Benefits shall not be payable for a Pre-Existing Condition as defined herein. This provision will cease to apply to any loss incurred in connection with a Pre-Existing Condition after 2 months of continuous coverage. This provision does not apply to a newborn or newly adopted child or child placed for adoption under the age of 8 if such child is enrolled for coverage within 3 days from the date of birth or the date of adoption or placement for adoption. Claims Mail Claims to: International Benefits Administrators, Attn: Claims Dept., P.O. Box 9306, Garden City, NY 530 Claims Status & Questions: (866)

17 Medical PPO Network MultiPlan PPO Network MultiPlan is a complementary network for members who either don t have access to a PPO network or choose to go outside of their primary network. Although out-of-network costs will apply, MultiPlan providers are contracted to provide services at discounted rates. More than 27 million members access the MultiPlan network of 569,000 providers, 4,500 hospitals, and 87,000 auxiliary facilities. Though this network allows you to use any healthcare provider you choose, you will receive substantial savings by choosing an in-network provider. To use this benefit: Call or visit to find a MultiPlan network provider in your area. Simply present your plan s ID card to your provider and tell them the name of the appropriate network. Online Provider Search. Select your network: None of these 2. Click Go 3. Go to Back of Card section 4. Select MultiPlan Limited Benefit Plan 5. Click Continue Simply choose the provider type you need and follow the remaining instructions to create a list of providers close to your home or office A Healthcare AFSLIC LimitedMed_PF_V.0_