Each plan is a low-cost alternative (Limited Medical), providing medical insurance at fixed amounts. The Limited Benefit Plans Offer is a good insurance program. The group insurance benefits vary depending upon the plan selected.

This insurance is not designated as a substitute for basic health insurance or major medical coverage. The plan limitations are disclosed in the certificate of coverage provided in the new member kit. For cost and complete details of the coverage, call your licensed healthcare insurance agent.

Policies may have Pre-existing conditions limitations. Pre-existing conditions are not covered until the policy has been in effect for more than twelve (12) months. A Pre-existing condition is a condition, physical or mental, regardless of cause or condition, for which medical advice, diagnosis, care or treatment was recommended, or recieved from a physician within a six month period preceding the effective date of coverage of a covered person.

The benefits represented are contracted through a combination of carriers. Not all benefits and coverage are available in all states under all plans. The plans limitations are disclosed in the certificate of coverage provided in the new member kit. For costs and complete details of coverage, consult your local licensed guaranteed issue insurance agent.

Terms of Coverage:

Coverage remains in effect as long as you pay the required premium charges on time and as long as you maintain membership eligibility. Coverage will be terminated if you become ineligible due to any of the following circumstances:

A) Non-payment of premiums and fees
B) Residency Requirements
C) For other reasons permissible by law.