0 MedSTM Short-Term Medical Insurance I Underwritten by Companion Life Insurance Company

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Geraldine Griffith
5 years ago
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Covered Medical Expenses The following Covered Medical Expenses are for the Insured and each of their Covered Dependents; benefits are subject to the plan Deductible, Coinsurance Percentage,

5 Covered Medical Expenses The following Covered Medical Expenses are for the Insured and each of their Covered Dependents; benefits are subject to the plan Deductible, Coinsurance Percentage, Coinsurance Maximum, and Lifetime Maximum of $2,000,000. Benefits are limited to the UsuaL Reasonable and Customary charge for each Covered Expense. in addition to any specific limits stated in the policy. Medical Expenses Not Covered Charges for the following treatments. services. supplies and conditions are excluded from coverage. This is not a complete list o f the Limitations and Exclusions and they may vary by state. Please see the Policy/Certificate of Insurance for detailed information about these and other Plan Limitations and Exclusions. 0 MedSTM Short-Term Medical Insurance I Underwritten by Companion Life Insurance Company Colorado Residents: The Polley does not provide portability of prior coverage. As a resutt.. any Injury. sickness or pregnancy for which you have incurred charges, received medicallreatment, consulted a health care professiona~ or taken prescription drugs within 12 months of the effectlve date of coverage w1u not be cc.<ered under this poucy.

8 The Med-Sense Guaranteed Associa on ( MSGA), is a not-for profit organiza on that provides memberships to individuals. Members enjoy access to a variety of health, travel, consumer discounts and business services. You can count on MSGA to con nuously and aggressively seek out new discounts to add further value to memberships in the associa on. Services and discounts you will enjoy as a member may include a collec on of the following: ID R I T S The ID resolu on, a leader in providing management services, offers victims or suspected victims unlimited access to an assigned fraud specialist who will facilitate the resolu on of virtually any iden ty-related problem. G A. As a member, you and your family receive special pricing at GymAmerica.com. D H S Your source for discounts on quality hearing aids and accessories. G M In an emergency, ge ng vital health informa on to medical personnel quickly could be cri cal. V D HealthFitLabs is an on-line/mail order company that sells only the highest-quality natural vitamins, nutri onal supplements, and bath and personal care products. L C V C At LensCra ers, one hour service is just the beginning! Your member ID Card brings you & your eligible family members special rates on all materials and services available at LensCra ers. 24-H E R A Associa on Members can gain peace of mind on the road by registering for Emergency Roadside Assistance. H T S. Through a special arrangement with egroup Manager, you have preferred customer access to HopTheShops.com, a premium on-line shopping mall. S C B Everyday savings are right at your fingertips! With your membership, you can get a free copy of our popular Savers Club Book, containing thousands of discounts. F D Your Associa on membership lets you send flowers anywhere in North America from the web site or by phone. As an associa on member, you will receive a 40-60% discount from most retail flower shop prices. C B N 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 be er than their best Internet price, resul ng in a price hundreds of dollars lower than the sales price of the retail sales department. H -P C D E As a member, you receive discounts on HP notebooks, laptops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more. C W S egroupmanager provides the advantage of website development and maintenance. Members receive a 20% discount on the following services: Custom Web Design; Evalua on and Re-Design of Current Sites; Website Hosting; Consulting on Viability of Internet Projects; and Internet marke ng. UPS E D S Improved program - featuring lower rates! Member discounts on UPS delivery services include 14-28% off Next Day Air / Next Day Air Saver Le er/package and Worldwide ExpressSM. S -W /C M B Members receive access to an average savings of 25%-35% compared to Sprint Compe tors 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. O D O S F 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. C R D Take advantage of affordable auto rental from Avis, Budget, and Dollar Rent a Car. Disclaimer: These are association or life style discount services and are not affiliated with any Insurance Product or Insurance Company. There are multiple memberships of the association; the listed benefits are a brief overview, not all benefits are included in every membership of the association. Med-Sense Guaranteed Association membership is not required in the states of: CO, ID, KS, NH and SD. 1st Med STM is not available in the states listed: CA, CT, GA, HI, ME, MD, MA, MT, NJ, NY, NC,ND, OR, UT, VT, WA

Chiro and Podiatry Care Plus Chiropractic With the ChooseHealthy program, you have access to a wide variety of complementary health care programs.

9 Chiro and Podiatry Care Plus Chiropractic With the ChooseHealthy program, you have access to a wide variety of complementary health care programs. Utilize a nationwide alternative health care network of 28,000 credentialed providers, including more than 20,000 contracted chriopractors. Enjoy a 25% disocunt off normal fees of services. Alternative health care network includes chiropractors, massage therapists, acupucturists and registered dietitians. Podiatry The podiatry plan provides consumers with the opportunity to receive savings on top-quality services from America s leading podiatric physicians through the American Footcare Network, a division of Healthcare Networks of America, LLC. *This product is not available in MA. Labs and Diagnostic Imaging DirectLabs* is the leader in direct access laboratory testing. DLS offers a wide variety of important health and wellness blood chemistry tests at over 3,000 certified labs nationwide. No doctor s visits are required prior to testing. US Imaging** is a premier diagnostic scheduling service that provides Careington members with savings from 10% to 60% on advanced imaging procedures at over 2,400 radiology facilities nationwide. *This product is not available in HI, MA, and MD. ND, SD, and VT offer Specialty Lab testing only. **Not all locations may accept orders from other countries. Please notify scheduling specialist in advance so they can verify if participating providers will accept such orders. This product is not available in HI, VT and WY. Vitamins and Supplements Swanson Health Products sells vitamins and supplements, organic foods, natural skincare products, homeopathic remedies and more. Swanson offers members discounted prices on all products. Pet Meds Health Matters International (HMI) focuses on providing a solution to the rising cost of prescription medications and other supplies for pets. Members can be assured they are getting safe, quality products that protect the health and well-being of their pets.

10 THIS PLAN IS NOT INSURANCE. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Montana, Vermont or Washington.

0 MedSTM Short-Term Medical Insurance I Underwritten by Companion Life Insurance Company

0 MedSTM Short-Term Medical Insurance I Underwritten by Companion Life Insurance Company Covered Medical Expenses The following Covered Medical Expenses are for the Insured and each of their Covered Dependents; benefits are subject to the plan Deductible, Coinsurance Percentage, Coinsurance