The Millennium SAGE U Plan
for
LinCU Visa Debit Cardholders
ADVANTAGES of the SAGE U Plan:
MILLENNIUM INSURANCE
BROKERS LIMITED
Introduces
LifeCare
The MILLENNIUM SAGE U
PLAN
A Comprehensive Major Medical
Health Insurance Plan
Available Exclusively for
LinCU Visa Debit Cardholders
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A Pro –Active Health Care Card
Coverage for the Lifetime of the Insured
Benefits are portable
Coverage can be converted to Individual Health Plan
No Claim Forms to be completed
Small cash outlay at time of receiving Medical Attention
Access to an extensive, growing Network of Health Care Providers
throughout Trinidad & Tobago
Choice of using the Preferred Provider Organisation Network or
your own Provider
No restrictions on Reasonable and Customary as with traditional
Group Health Plans
Coverage for Substance Abuse and Mental Illness
Extended Prescription Drug Coverage for Chronic Problems
24 Hour Answering Service
Emergency Air Ambulance
Total confidentiality
The Millennium SAGE U Plan
Active Employees MAXIMUM BENEFIT
$500,000.00
$250,000.00
BENEFIT PERIOD
3-Year Revolving
Lifetime
SPECIFIC LIMITS
CO PAYMENT
In Network
CO PAYMENT
Out Network
80%
70%
Individual
None
$200.00
Family
None
$400.00
Overseas & Local - Average Semi- Private
80%
70%
PRESCRIPTION DRUGS – Eligible prescribe drugs
80%
80%
MATERNITY BENEFIT
Normal Delivery - $4,000
100%
100%
Caesarean Section/Extra uterine Pregnancy Surgical benefit
80%
80%
Miscarriage - $1,500.
100%
100%
AIRFARE BENEFIT
80%
80%
100%
100%
30.00 Co pay (80%)
70%
Home, Hospital - (Limit $200.00)
SPECIALISTS VISITS
Office - (limit $200.00)
$40.00 Co pay (80%)
70%
COINSURANCE – Unless Otherwise Specified
DEDUCTIBLE – CALENDAR YEAR
DAILY ROOM & BOARD
MILLENNIUM INSURANCE
BROKERS LIMITED
Introduces
LifeCare
The MILLENNIUM SAGE U
PLAN
A Comprehensive Major Medical
Health Insurance Plan
Available Exclusively for
LinCU Visa Debit Cardholders
Retirees
Maximum per Trip - $4,000. ( Max 2 trips per yr)
AIR AMBULANCE BENEFIT
Maximum per trip - US$18,000. (Max 1 trip per yr.)
DOCTORS VISITS
Office - (Limit $120.00)
Home, Hospital - (limit $300.00)
Millennium SAGE U Plan
SPECIFIC LIMITS
IN NETWORK
Out Network
EMERGENCY ACCIDENT
90%
90%
$3,500.00
$50.00
Preventative
80%
70%
Basic Restorative
80%
70%
Major Restorative
80%
70%
75%
50%
WAITING PERIOD - 3 Months
VISION CARE
Maximum Benefit = $1,500.00
80%
70%
Deductible per Calendar Year
$50.00
80%
70%
Frames 24 consecutive Months
Lenses 12 consecutive Months
WAITING PERIOD - 3 months
Per disability - $500
DENTAL CARE
Maximum Benefit per Calendar Year
Deductible per Calendar Year
Benefits
MILLENNIUM INSURANCE
BROKERS LIMITED
Introduces
LifeCare
The MILLENNIUM SAGE U
PLAN
A Comprehensive Major Medical
Health Insurance Plan
Available Exclusively for
LinCU Visa Debit Cardholders
CO PAYMENT
Orthodontic Treatment
Included in Maximum Yearly Benefit
Contact Lenses = $750.00
Millennium SAGE U Plan
SPECIFIC LIMITS
MILLENNIUM INSURANCE
BROKERS LIMITED
Introduces
LifeCare
The MILLENNIUM SAGE U
PLAN
A Comprehensive Major Medical
Health Insurance Plan
Available Exclusively for
LinCU Visa Debit Cardholders
PREVENTATIVE CARE BENEFIT
Males
Lipid Profile
$150.00
Annual Medical Examination
$400.00
Annual Test for Prostate Cancer
$200.00
Annual Glaucoma Test
$100.00
Females
Lipid Profile
$150.00
Annual Medical Examination
$400.00
Annual Mammogram –
$250.00
Annual Pap Smear – Female
$75.00
Annual Glaucoma Test
$100.00
Annual CA125 Test for Ovarian Cancer
$400.00
Vaccinations/Immunizations
$1,000.00
MILLENNIUM INSURANCE
BROKERS LIMITED
Introduces
LifeCare
The MILLENNIUM SAGE U
PLAN
A Comprehensive Major Medical
Health Insurance Plan
Available Exclusively for
LinCU Visa Debit Cardholders
Millennium SAGE U Plan
OTHER COVERED BENEFITS
CO-INSURANCE
In Network – 80% (Reasonable & Customary)
Out Network – 70%
Surgical Benefits
Lithotripsy
* Acupuncture
Assistant Surgeon
Anesthesia
*Home Nursing Care
Organ Transplant
Blood & Derivatives
>Repatriation of Mortal Remains
Use of Medical Equipment
Laboratory
< Congenital Birth Defects
X-rays
Other Diagnostic Tests
Allergy Testing
^Chemotherapy
^Renal Dialysis
*Speech Physiotherapy
*Psychiatric Care
Well Baby Care
*Maximum $5000.00 per calendar year
^Maximium $50,000 per calendar year
>Maximium $20,000 per calendar year
<Maximium $100,000 per calendar year
N/B Pre Existing Conditions are not covered
PRE- CERTIFICATION REQUIRED FOR:
• All non-emergency inpatient hospital admissions
• Surgical Procedures
• MRI’s & CAT Scans: