SAVERS CHOICE OF AMERICA ASSOCIATION
Association Benefits provided by:
Billing, Fulfillment, and Customer
Service provided by:
HiiQuote.com
The Savers Choice of America Association (SCA), is a not-for profit organization that provides memberships
to individuals. Members enjoy access to a variety of health, travel, consumer discounts and business services.
You can count on SCA to continuously and aggressively seek out new discounts to add further value to
memberships in the association. Services and discounts you will enjoy as a member may include a collection
of the following:
ID Resolution Identity Theft Service
The ID resolution, a leader in providing management services, offers victims or suspected victims unlimited access to an assigned fraud
specialist who will facilitate the resolution of virtually any identity-related problem.
Sprint-Wireless/Cellular and Mobile Broadband
Members receive access to an average savings of 25%-35% compared to Sprint Competitors 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.
Travel Assistance Plan
As a member, you receive the following services through the Travel Assistance Program when traveling more than one hundred (100)
miles from your permanent residence.
Hewett-Packard Computer and Digital Equipment
As a member, you receive discounts on HP notebooks, laptops, servers, printers, digital cameras, handhelds, point-of-sale (scanners,
cash registers, etc.) and more.
Customized Web Services - NAC Web Services
NAC Web Services provides the advantage of Website development and maintenance. NAC Web Services boasts an experienced staff of
programmers and graphic designers ready to work for you. All of the latest programming capabilities—including HTML, ASP.NET, Flash,
XML, and database connectivity—are available to you as an association member.
UPS Express Delivery Services
Improved program - featuring lower rates! Member discounts on UPS delivery services include 14-28% off Next Day Air®/Next Day Air®
Saver Letter/Package and Worldwide ExpressSM.
Office Depot Office Supplies and Furniture
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.
24-Hour Emergency Roadside Assistance
Association Members can gain peace of mind on the road by registering for Emergency
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Savers Club® Book
Everyday savings are right at your fingertips! With your membership, you can get a free
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Hop The Shops
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Carperks Buying Network
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1800Flowers.com
Your Association membership lets you save 15%* when you order flowers and/or
or gifts from 1800Flowers.com,
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Car Rental Discounts
Take advantage of affordable auto rental from Avis®, Budget®, and Dollar® Rent a Car.
GymAmerica.com
As a member, you and your family receive special pricing at GymAmerica.com.
Vitamin Discount
HealthFitLabs is an on-line/mail order company that sells only the highest-quality
tyy natural
natural vitamins, nutritional supplements, and bath
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and personal care products.
Disclaimer: These are association or lifestyle discount services and are not affiliated with any Insurance Product or Insurance Company. There are
multiple tiers of memberships in the association; the listed benefits is a brief overview, not all benefits are included in every membership of the association.
0218014
Underwritten by: Freedom Life Insurance Company of America
Membership with Savers Choice of America
Association (SCA)* includes a Blanket Group
Fixed Indemnity Insurance Plan and is ideal for
those who:
•
6 Plan Options, Featuring:
Have been declined coverage for an
individual major medical plan due to
health or occupation
•
Hospital Room & Board Daily Fixed
Indemnity Benefit - Choice of $250, $500,
$750, $1,000 or $1,500 per day
•
Cannot afford the cost of an individual
major medical plan
•
No Lifetime Maximum per covered member
•
•
Work for an employer that doesn’t offer
health benefits or has reduced employee
health benefits
Surgery, Lab, X-Ray, Emergency Room, and
Ambulance benefits
•
Wellness Benefits - Annual Physical
Examination, Routine Child Immunizations,
Mammogram
•
Prescription Drug Daily Fixed Indemnity
Benefits
•
No waiting period on Accidental Injuries,
thirty (30) day waiting period on Sickness.
Pre-existing Conditions excluded for twelve
(12) months after the Effective Date of your
membership.
•
Need help covering the deductible and
coinsurance gaps on a major medical plan
Exclusive Features:
• US Citizenship is not required, only US
residency for twelve (12) consecutive months
• Choose any doctor or Hospital in or out of the
MultiPlan PPO Network*
*Multiplan PPO Network is not affiliated with Freedom Life Insurance Company of America.
Who is eligible to apply for membership?
Saver’s Choice Association membership is available to individuals from age eighteen (18) through age sixty-four (64). Dependent children are eligible for
coverage through age twenty-five (25). There is no requirement for the dependent to be a full-time student, only that they must be a dependent of the
Insured member. Dependent coverage ends at age twenty-six (26).
Membership provides access to Blanket Group Fixed Indemnity Insurance benefits, underwritten by Freedom Life Insurance Company of America, available
in the following states: AL, AR, AZ, CO, DE, FL, GA, IA, IL, IN, KY, LA, MO, MS, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV and WY.
Are there any waiting periods for association benefits?
There are no waiting periods. You can begin saving once Your payment is accepted and approved. However Pre-existing Conditions are not covered for
twelve (12) months after Your membership’s Effective Date.
When does my coverage begin?
Once Your payment is processed and approved Your membership can be effective at the earliest two days from Your enrollment date or Your selected
date no longer than thirty (30) days from Your enrollment date. The member’s fulfillment package and ID Card is available immediately after purchase
is completed. Membership handbook and identification cards will arrive via U.S. Mail within 3-5 business days after payment is received and approved.
Do I have to use a MultiPlan Network provider?
Members under this plan may choose to be treated within or outside of the MultiPlan Network. Multiplan consists of hospitals, physicians, and other health care
providers organized into a network for the purpose of delivering quality health care at affordable rates. As part of your Membership plan, an arrangement has
been negotiated with the MultiPlan Network to treat Insured individuals for a reduced fee over the customer fees of non-Network Providers. Reimbursement
rates will vary according to the source of care as described in Your Plan Benefits. In order to use the services of a Participating Provider, you must present the
Identification Card that is provided to You upon purchase of Your plan and payment of the membership retail cost. To determine which providers are in the
MultiPlan Network, call 888-342-7427 or go online to www.multiplan.com.
FALM02282014
Freedom Access Membership - Blanket Group Fixed Indemnity
Savers Choice of America Association with Freedom Access membership offers the following Blanket Group Fixed Indemnity
Insurance benefits, underwritten by Freedom Life Insurance Company of America available in AL, AR, AZ, CO, DE, FL, GA, IA,
IL, IN, KY, LA, MO, MS, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA, WV and WY.
Benefit Schedule
Hospital Room & Board Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Hospital Inpatient Admission Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Excluded Mental Nervous / Substance Abuse
Hospital Intensive Care Unit Room & Board Daily Fixed Indemnity
Benefit
Maximum Calendar Days per Membership Year
Hospital Miscellaneous Expenses Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
QUALITY
CLASSIC
PREFERRED
DELUXE
ULTRA
SELECT
$250
$500
$750
$1,000
$1,500
$1,000
20
20
30
30
30
30
None
None
None
$500
$500
None
0
0
0
1
1
0
Yes
Yes
Yes
Yes
Yes
Yes
None
None
None
None
None
$2,000
0
0
0
0
0
30
None
$100
$100
$200
$200
None
0
2
2
2
2
0
Surgery Daily Fixed Indemnity Benefit payments for each applicable calendar day will be the amount shown for the applicable surgical procedure and
Surgical Period listed in the Schedule of Operations
Surgery Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient Surgery Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Annual Physical Examination Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Mammogram Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Per Provider Visit
Maximum Benefit per Calendar Year
Doctor Office Visit For Sickness & Injury Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Benefit Per Calendar Day - Generic
Maximum Calendar Days per Membership Year
Benefit Per Calendar Day - Brand
None
$10$1,000
$15 - $1,500
$30 $3,000
$50 $5,000
$50 $5,000
0
1
1
1
1
1
None
$10$1,000
$15 - $1,500
$30 $3,000
$50 $5,000
$50 $5,000
0
1
1
1
1
1
$75
None
$50
$100
$75
$75
1
0
1
1
1
1
None
None
$50
$100
$100
None
0
0
1
1
1
0
None
None
$50
$100
$100
None
0
0
1
1
1
0
$50
$50
$75
$100
$100
$50
2
2
3
3
4
2
$10
$10
$10
$10
$10
None
15
15
15
15
15
0
None
None
None
$20
$20
None
Maximum Calendar Days per Membership Year
0
0
0
10
10
0
Emergency Room Daily Fixed Indemnity Benefit
None
$100
$100
$200
$200
$75
Maximum Calendar Days per Membership Year
0
1
1
1
1
1
None
None
None
None
None
$75
0
0
0
0
0
1
$25
$25
$50
$50
$75
$50
Outpatient Surgery Facility Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient Diagnostic X-Ray Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient Diagnostic Lab Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient CAT Scan Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient MRI Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
Outpatient PET Scan Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
2
2
2
2
3
1
$25
$25
$50
$50
$75
$50
2
2
2
2
3
1
None
None
None
$100
$100
None
0
0
0
1
1
0
None
None
None
$100
$100
None
0
0
0
1
1
0
None
None
None
$100
$100
None
0
0
0
1
1
0
Benefit Schedule
Emergency Ground Ambulance Transport Daily Fixed Indemnity
Benefit
Maximum Calendar Days per Membership Year
Emergency Air Ambulance Transport Daily Fixed Indemnity Benefit
Maximum Calendar Days per Membership Year
QUALITY
CLASSIC
PREFERRED
DELUXE
ULTRA
SELECT
None
$100
$100
$100
$100
$125
0
1
1
1
1
1
None
$100
$100
$100
$100
$1,000
0
1
1
1
1
1
Pre-Natal Doctor Office Visit Daily Fixed Indemnity Benefit
None
None
None
None
$60
None
Maximum Calendar Days per female, per Membership Year
0
0
0
0
5
0
In-Hospital Labor & Delivery Daily Fixed Indemnity Benefit
None
None
None
None
$400
None
0
0
0
0
5
0
None
None
None
None
None
$3,000
Maximum Calendar Days per Membership Year
Hospital Miscellaneous Expense Daily Fixed Indemnity Benefits for
Severe Burn
•
There is a twelve (12) month Pre-existing Condition waiting period for Hospital Confinement, ICU, and Surgery relating to a Pre-existing
Condition. Pre-existing Condition means an Insured’s illness or other medical condition, (physical or mental) which Manifested during the
twelve (12) month period immediately preceding the Effective Date of coverage under this Blanket Group Fixed Indemnity Insurance Policy for
such Insured.
•
There is a thirty (30) day waiting period for all Sickness coverage, before Benefits will be paid. Sickness means illness or disease afflicting an Insured,
which first Manifests itself thirty (30) days after the Effective Date and while this Blanket Group Fixed Indemnity Insurance Policy is in full force and
effect for such Insured. Pregnancy, pre-natal evaluations and monitoring, labor and delivery, and recovery therefrom are not considered a Sickness
under this Blanket Group Fixed Indemnity Insurance Policy unless they constitute Complications of Pregnancy.
•
Benefits reduce by fifty percent (50%) when an Insured member reaches age sixty-five (65).
The Blanket Group Fixed Indemnity Insurance is not major medical or comprehensive medical insurance coverage and is
neither a Minimum Essential Health Benefit Plan nor Workers’ Compensation Insurance under federal and/or state law. The
Benefits will not satisfy the individual mandate as defined by the Patient Protection and Affordable Care Act. The Blanket
Group Fixed Indemnity Insurance Policy provides a predetermined and fixed dollar amount of Covered Medical & Surgical
Services. Members are responsible for all amounts charged in excess of the fixed benefit amount and network discounts.
The exact provisions are contained in the Blanket Group Fixed Indemnity Insurance Policy issued to the Savers Choice of
America Association by Freedom Life Insurance Company of America.
*As an SCA member insured under Freedom Access membership, you cannot be disqualified or turned down for the benefits of this program due
to any Pre-existing Condition. The membership does have a twelve (12) month waiting period before You will be eligible for any payable benefits
under the scheduled medical benefit health plan for any Pre-existing Condition. However, if You had prior Creditable Coverage and are able to
provide a valid Certificate of Creditable Coverage from Your prior carrier to the insurance carrier, Your waiting period may be reduced according
to the length of time You were covered under Your prior plan. The insurance carrier will determine if the creditable coverage certificate is qualified.
•
•
This is not an essential health benefits plan*
Pays in addition to your coverage under an essential health benefits plan
*The individual mandate under the Affordable Care Act (“ACA”) generally requires individuals to maintain “minimum essential coverage” in 2014
and beyond, or be subject to payment of the annual shared responsibility payment, the amount of which is based, in part, upon the individual’s
household income each year (See below of this brochure for details). The Freedom Access Membership plans are fixed indemnity insurance plans,
which provide pre-determined fixed dollar benefits on a periodic basis (e.g. daily/monthly) for covered services and are neither “essential health
benefit plans” under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law. Fixed indemnity plans
are “excepted benefit plans” under the ACA, but are not considered “minimum essential coverage” under it. Therefore, unless an insured under
one of our Freedom Access Membership plans has an exemption from the ACA’s individual mandate or maintains “minimum essential coverage”
under the ACA the insured will be subject to the ACA’s “shared responsibility payment” (See page 5 of this brochure for details).
ACA Individual Mandate and Shared Responsibility Payment
The individual mandate under the ACA generally requires individuals to have “minimum essential coverage” in 2014 and beyond, or be subject
to payment of an annual “shared responsibility payment”, the amount of which is based, in part, upon the individual’s household income each
year. The ACA’s “shared responsibility payment” has also been referred to from time to time as a tax and as a penalty, and is payable to the
federal government. Fixed indemnity plans are exempt from the coverage and rating mandates of the ACA, and therefore are not considered
“minimum essential coverage” under the ACA. If an individual (a) does not receive an ACA exemption annually from the federal government for
the individual mandate, or (b) does not maintain “minimum essential coverage” under the ACA for 9 or more consecutive months during each
year, (including coverage under one of the following types of plans (i) an employer sponsored group health plan, (ii) a grandfathered health
plan, (iii) a non-grandfathered health plan for which the government has granted a waiver of the individual mandate, or (iv) an ACA essential
health benefits plan), he will be subject to the ACA’s annual “shared responsibility payment”, even if covered under one of the Blanket Group
Fixed Indemnity Plans. For additional information on the individual mandate, “shared responsibility payment”, exemptions from the mandate
and other matters concerning the ACA, please visit www.healthcare.gov.
Underwritten by: Freedom Life Insurance Company of America
Benefits will not be paid for changes or loss caused by or resulting from any of the following:
LIMITATIONS AND EXCLUSIONS FOR COVERED MEDICAL AND SURGICAL SERVICES
LIMITATIONS - WAITING PERIODS: Coverage under this Blanket Group Fixed Indemnity Insurance Policy is limited as provided by the
definitions, limitations, exclusions, and terms contained in each and every section of this Blanket Group Fixed Indemnity Insurance Policy,
as well as the following limitations and waiting periods:
1. any treatment, medical service, surgery, medication, claim, or loss Provided and received, as a result of an Insured’s Pre-existing Condition is
not covered under this Blanket Group Fixed Indemnity Insurance Policy unless such treatment, medical service, surgery, medication, claim, or loss
constitutes Covered Medical & Surgical Services Provided to and received by such Insured more than twelve (12) months after the Effective Date,
and are not otherwise limited or excluded by this Blanket Group Fixed Indemnity Insurance Policy or any riders, endorsements, or amendments
attached to this Blanket Group Fixed Indemnity Insurance Policy;
2. any Covered Medical & Surgical Services payable under this Blanket Group Fixed Indemnity Insurance Policy will be reduced by fifty
percent (50%) when the applicable Insured is age sixty-five (65) or older, based on the Insured’s most recent birthday, on the date the Benefit
becomes payable; and
3. We will pay Covered Medical & Surgical Services listed in the COVERED MEDICAL AND SURGICAL SERVICES Section of the Blanket Group
Fixed Indemnity Insurance Policy that occur after the first thirty (30) days as defined in the definition of Effective Date.
EXCLUSIONS: Coverage under this Blanket Group Fixed Indemnity Insurance Policy is limited as provided by the definitions, terms,
conditions, limitations, and exclusions contained in each and every section of this Blanket Group Fixed Indemnity Insurance Policy.
In addition, this Blanket Group Fixed Indemnity Insurance Policy does not provide coverage for professional and medical services
Provided to an Insured or any fixed indemnity payment obligation for Us under this Blanket Group Fixed Indemnity Insurance Policy
for any of the following, all of which are excluded from coverage:
1. treatments, care, procedures, services or supplies which do not constitute Covered Medical & Surgical Services;
2. treatments, care, procedures, services or supplies received before the Blanket Group Fixed Indemnity Insurance Policy Issue Date and
the Primary Insured Effective Date;
3. Covered Medical & Surgical Services received after this Blanket Group Fixed Indemnity Insurance Policy terminates, regardless of when
the condition originated;
4. any treatments, care, procedures, services or supplies which are not specifically enumerated in the COVERED MEDICAL AND SURGICAL
SERVICES section of this Blanket Group Fixed Indemnity Insurance Policy and any optional coverage rider attached hereto;
5. any professional services for which the Insured and/or any covered family member are not legally liable for payment;
6. any professional services for which the Insured and/or any covered family member were once legally liable for payment, but from which
liability the Insured and/or family member were released;
7. Injury or Sickness due to any act of war (whether declared or undeclared);
8. services provided by any state or federal government agency, including the Veterans Administration unless, by law, an Insured must pay
for such services;
9. drugs or medication not used for a Food and Drug Administration (“FDA”) approved use or indication;
10. administration of experimental drugs or substances or investigational use or experimental use of Prescription Drugs except for any
Prescription Drug prescribed to treat a covered chronic, disabling, life-threatening Sickness or Injury, but only if the investigational
or experimental drug in question:
a. has been approved by the FDA for at least one indication; and
b. is recognized for treatment of the indication for which the drug is prescribed in:
1) a standard drug reference compendia; or
2) substantially accepted peer-reviewed medical literature.
c. drugs labeled “Caution – limited by Federal law to investigational use”;
11. experimental procedures or treatment methods not approved by the American Medical Association or other appropriate medical society;
12. eye refractions, eyeglasses, contact lenses, radial keratotomy, lasik surgery, hearing aids, and exams for their prescription or fitting;
13. cochlear implants;
14. any professional and medical services Provided an Insured in treatment of a Sickness or Injury caused by such Insured’s being intoxicated, as
determined by the laws of the jurisdiction where such medical treatment is received, or under the influence of any drug, narcotic or hallucinogens
unless administered on the advice of a Provider, and taken in accordance with the limits of such advice;
15. intentionally self-inflicted Injury, suicide or any suicide attempt while sane or insane;
16. Sickness or Injury while serving in one of the branches of the armed forces of the United States of America;
17. Sickness or Injury while in a foreign country and serving on active duty in the United States Army, Navy, Marine Corp or Air Force Reserves or
the National Guard;
18. Sickness or Injury while serving on active duty in the armed forces of any foreign country or any international authority;
19. voluntary abortions, abortifacients or any other drug or device that terminates a pregnancy;
20. services Provided by You or a Provider who is a member of an Insured’s Family;
21. any medical condition excluded by name or specific description by either this Blanket Group Fixed Indemnity Insurance Policy or any
riders, endorsements, or amendments attached to this Blanket Group Fixed Indemnity Insurance Policy;
22. any loss to which a contributing cause was the Insured’s being engaged in an illegal occupation;
23. participation in aviation, except as fare-paying passenger traveling on a regular scheduled commercial airline flight;
24. cosmetic surgery or cosmetic dentistry, except for Medically Necessary cosmetic surgery performed under the following circumstances:
(i) where such cosmetic surgery is incidental to or following surgery resulting from trauma or infection to correct a normal bodily function, or
ii) such cosmetic surgery constitutes Breast Reconstruction that is incident to a Mastectomy provided any of the above occurred while
the Insured was covered under this Blanket Group Fixed Indemnity Insurance Policy;
25. breast reduction or augmentation or complications arising from these procedures;
26. Prescription Drugs or other medicines and products used for cosmetic purposes or indications;
27. voluntary sterilization, reversal or attempted reversal of a previous elective attempt to induce or facilitate sterilization;
28. fertility hormone therapy and/or fertility devices for any type fertility therapy, artificial insemination or any other direct conception;
29. any operation or treatment performed, Prescription or medication prescribed in connection with sex transformations or any type of sexual or
erectile dysfunction, including complications arising from any such operation or treatment, except if this is a result of an accidental Injury,
organic cause, trauma, infection, or congenital disease or anomalies;
30. appetite suppressants, including but not limited to, anorectics or any other drugs used for the purpose of weight control, or services, treatments,
or surgical procedures rendered or performed in connection with an overweight condition or a condition of obesity or related conditions;
31. any Injury which was caused by an Insured racing any land or water vehicle;
32. medical services Provided and received for the diagnosis, care or treatment of Mental & Emotional, Disorders, Alcoholism, and drug addiction/
abuse;
33. Prescription Drugs that are classified as psychotherapeutic drugs, including antidepressants;
34. except for Complications of Pregnancy, routine maternity related to childbirth, including routine nursery services and well-baby care except as
specified in the MATERNITY FIXED INDEMNITY BENEFITS section;
35. contraceptives, oral or otherwise, whether medication or device, regardless of intended use;
36. Outpatient Prescription Drugs that are dispensed by a Provider, Hospital or other state-licensed facility;
37. Prescription Drugs produced from blood, blood plasma and blood products, derivatives, Hemofil M, Factor VIII, and synthetic blood products, or
immunization agents, biological or allergy sera, hematinics, blood or blood products administered on an Outpatient basis; 38. level one controlled
substances;
39. Prescription Drugs used to treat or cure hair loss or baldness;
40. Prescription Drugs that are classified as anabolic steroids or growth hormones;
41. compounded Prescription Drugs;
42. fluoride products;
43. allergy kits intended for future emergency treatment of possible future allergic reactions;
44. replacement of a prior filled Prescription for Prescription Drugs that was covered and is replaced because the original Prescription was lost, stolen or
damaged;
45. any intentional misuse or abuse of Prescription Drugs, including Prescription Drugs purchased by an Insured for consumption by someone other than
such Insured;
46. programs, treatment or procedures for tobacco use cessation;
47. Prescription Drugs that are classified as tobacco cessation products;
48. drugs prescribed for the treatment of any disease, illness or condition that has been excluded from coverage under the Blanket Group Fixed Indemnity
Insurance Policy by exclusionary rider, limitation or exclusion;
49. charges for blood, blood plasma, or derivatives that has been replaced;
50. treatment of autism;
51. Temporomandibular Joint Disorder (TMJ) and Craniomandibular Disorder (CMD); and
52. treatment received outside of the United States;
53. replacement of lost or stolen prosthetics; and
54. Prescriptions, treatment or services for behavioral or learning disorders, Attention Deficit Disorder (ADD) or Attention Deficit Hyperactivity Disorder
(ADHD).
NON-WAIVER: Any fixed indemnity benefit payment that is mistakenly or erroneously made by Us under any section or provision of this Blanket Group
Fixed Indemnity Insurance Policy shall not:
1. constitute on or after the date of such payment(s) a waiver of or modification to any conditions, terms, coverage, or limitations of coverage
contained in this Blanket Group Fixed Indemnity Insurance Policy, specifically including, but not by way of limitation, (i) the definition of any
term in the DEFINITIONS Section of this Blanket Group Fixed Indemnity Insurance Policy, (ii) the content of any part of the COVERED MEDICAL
AND SURGICAL SERVICES Section of this Blanket Group Fixed Indemnity Insurance Policy, (iii) the content of any part of the LIMITATIONS-WAITING
PERIODS Section of this Blanket Group Fixed Indemnity Insurance Policy (including the waiting period for coverage of Pre-existing Conditions), (iv)
the content of any part of the EXCLUSIONS Section of this Blanket Group Fixed Indemnity Insurance Policy, (v) the content of any exclusionary or
other amendatory rider(s) attached to this Blanket Group Fixed Indemnity Insurance Policy, or (vi) the content of any other Section of this Blanket
Group Fixed Indemnity Insurance Policy;
2. operate on or after the date of such payment(s) to alter, amend, affect, abridge or modify the Company’s future rights, duties and obligations under
this Blanket Group Fixed Indemnity Insurance Policy;
3. operate on or after the date of such payment(s) to alter, amend, affect, abridge or modify any Insured’s future rights, duties and obligations under this
Blanket Group Fixed Indemnity Insurance Policy;
4. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel, waiver,
reformation of contract, or other principle of law or equity) for any medical condition, illness, disease or injury;
5. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel, waiver,
reformation of contract, or other principle of law or equity), under any exclusion, waiting period, or limitation of coverage contained in the LIMITATIONS
AND EXCLUSIONS FOR COVERED MEDICAL AND SURGICAL SERVICES Section of this Blanket Group Fixed Indemnity Insurance Policy;
6. create or establish on or after the date of such payment(s) coverage under this Blanket Group Fixed Indemnity Insurance Policy, (by estoppel,
waiver, reformation of contract, or other principle of law or equity), for any illness, disease, injury or medical service that is excluded from cover
age by an exclusionary rider(s) attached to this Blanket Group Fixed Indemnity Insurance Policy; or
7. affect, alter, amend, abridge, constitute or act as a waiver on or after the date of such payment(s) of the Company’s ability to rely upon, assert and apply
such terms, definitions, conditions, limitations and exclusions contained in this Blanket Group Fixed Indemnity Insurance Policy or any amendment(s) or
exclusionary rider(s) attached hereto.
Underwritten by: Freedom Life Insurance Company of America
Health Insurance Innovations includes the following
services and discounts to the Freedom Access
Blanket Group Fixed Indemnity Insurance Plan:
Limited Benefit Plan
MultiPlanPPO Network Providers*
Persons insured under this plan may choose to be treated within, or out of, the MultiPlan PPO Network.
MultiPlan consists of hospitals, physicians, and other health care providers who have contracted to
provide specific medical care at negotiated prices. MultiPlan has almost 900,000 healthcare providers
under contract, an estimated 57 million consumers accessing the network products, and 40 million
claims processed through the networks each year, giving them more of the experience and resources
healthcare payers and providers need to face today’s unprecedented costs and competitive pressures.
MedCare USA Prescription Discount Card*
Members save an average of 15% off retail price on
many brand name prescription drugs and 54% off retail price on many generic prescription drugs. Because
it is a discount program there are no claim forms, no
reimbursement procedures, no pre-existing condition
exclusions, no waiting periods, no deductible, no benefit maximums. This card is accepted at over 53,000
pharmacies throughout the United States, including
most chains and independent pharmacies.
OUTLOOK Vision Discounts*
Offers significant savings for the entire family on
eyeglasses. Contact lenses, LASIK surgery and eye
exams at select locations where approved. Providers
conveniently located throughout all 50 states. Most
leading retail centers are included in the OUTLOOK
Vision network and offer discounts from 10% to 50%.
Discounts are given at point of purchase, no limits,
no restrictions, and no paperwork.
*These are not insurance benefits and are not affiliated with
Freedom Life Insurance Company of America or the Freedom Access
Membership.