Members can be enrolled only once. Duplicate or multiple memberships, including United States Fire Insurance Company benefits, is not allowed.
1Underwritten by the United States Fire Insurance Company, rated “A” (Excellent) by AM Best Company (2010 Edition). Benefits not available to residents of AK, CT, KS, MD, NH, NJ, NY, and VT. Maternity is not covered, and there is a 30 day waiting period for sickness. 12/12 Pre-Existing Condition Limitations apply to Hospital Confinement Benefit, Surgery and Anesthesia related to Surgery, Maternity is not covered, and there is a 30 day waiting period for sickness.
2Underwritten by Presidential Life Insurance Company. Benefits not available to residents of AR, CA, CO, ME, MD, MN, MT, NH, NV, OR, SD, UT, VT, and WA. 6/12 Pre-Existing Condition means a Sickness or Injury for which medical care, treatment, diagnosis or advice was received or recommended within the 6 months prior to the Covered Person’s Effective Date of coverage under the Group Policy. Pre-Existing Conditions Limitation: Pre-Existing Conditions Limitation: We will not cover a Pre-Existing Condition as follows: (1)For an Insured Person under the age of 65, Pre-Existing Conditions will be excluded for the first twelve (12) months 1. that coverage under the Group Policy is in effect. (2)For an Insured Person age 65 or older, such Pre-Existing Conditions will be excluded from coverage for the first six 2. (6) months that coverage under the Group Policy is in effect.
3Underwritten by Guarantee Trust Life Insurance Company. Benefit payment is subject to the definitions, limitations, exclusions and other provisions within the Certificate. Benefits underwritten by Guarantee Trust Life Insurance Company are not available to residents of AR, ME, MD, NY, OR, and UT.
4Underwritten by Hartford Life and Accident Insurance Company.
5Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a member of AIG Companies ® NOT available for residents of AR, CT, GA, LA, ME, MT, NC, NY, OR, SD, TX, VT, and WA.
NOTES: See terms and conditions for definitions and exclusions. Terms and conditions may vary by state. THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. HOSPITAL INDEMNITY PLANS ARE EXEMPT FROM COORDINATION OF BENEFITS PROVISIONS.
Check the plan chart for benefit/plan availability. Some plans do NOT contain ALL of the Limited Medical Indemnity Benefits, Additional Insurance Benefits, Discount Medical Plans and Consumer Savings Benefits listed above. Contact your agent for more information.