®

Health Benefits

Program*

Enjoy the peace of mind that comes with protection for you and your family.
Qualified Associates can participate in our affordable healthcare program that offers medical, dental, vision and other valuable coverages for you and your family. With our limited medical benefits you DON’T have to WORRY about pre-existing conditions or long waiting periods—YOU WILL BE COVERED!

†† Medical 

Benefits Ava ilable
• Hospital In demnity (2 Tier Plan • Individual Designs) Majo Medical/PCIP r

Eligibility Requirements*
• Earn a minimum of $300 in commission in the six months prior to enrollment. • History of three Autoships with a minimum of 100BV each shipped within the last six months prior to enrollment. • New members can enroll upon meeting the criteria—no waiting period!

†† Dental  †† Vision  †† Accident  †† Cancer  †† Universa  l Life † † C r itical Illness  †† 401(k) 

*Eligibility requirements may be subject to change.

For questions, or how to enroll, contact a Transtar Benefits Specialist at 1-866-667-8415

000 Group Term Life Insurance Policy $10 generic Co-Pay Rx card Critical Illness Benefit Nurses Hotline TRANSSMILE® DENTAL: BASIC Type 1 Diagnostic & Preventative Services Type 2 Basic Restorative Services ($500 maximum per person per policy year) PREFERRED Type 1 Diagnostic & Preventative Services Type 2 Basic Restorative Services Type 3 Major Restorative Services (12 month waiting period applies) ($1.000 maximum per person per policy year) VISION PLAN THROUGH ADVANTICA VISION: Examination Lenses Frames Examination Co-Pay Materials Co-Pay COVERED BENEFITS INCLUDE: 100% Paid – once every 12 months 100% Paid – once every 12 months 100% Paid – once every 24 months $10 $25 Participating Provider Non-Participating Provider TRANSLEGACY® UNIVERSAL LIFE THROUGH TRANSAMERICA®: Conditional Guaranteed Issue up to $150.® Benefits for Isagenix Associates OVERVIEW LIMITED MEDICAL INSURANCE (Choice of 2 PPO plans through TransAmerica®): Guaranteed Issue (no underwriting and everyone qualifies) First Dollar Benefits (benefits pay before you pay) Covered Benefits Include (calendar year maximums apply): • • • • • Office Visits Wellness Visits Diagnostic Services Surgical Benefit (see surgical schedule) 24 hour Teladoc • • • • • In-patient/Hospital Stays/Intensive Care $10.000 Builds cash value Portable (See reverse side for rates) Examination Single Vision Lenses Bifocal Lenses Trifocal Lenses Frames Contact Lenses – Necessary Contact Lenses .Elective 100% 100% 100% 100% 100% 100% 100% Up to $40 Up to $40 Up to $60 Up to $80 Up to $45 Up to $225 Up to $100 1-866-667-8415 .

97 $ 37.27.44 $ 206.06 $70.29 $ 31.30 $ 43.000 $30. individual underwriting required TRANSSMILE® DENTAL Basic Plan Premium Preferred Plan Premium ACCIDENT INSURANCE Premium Member Only Member/Spouse Member/Child(ren) Family $ 18.® Benefits for Isagenix Associates MONTHLY RATES TRANSAMERICA LIMITED MEDICAL Silver Plan Premium Platinum Plan Premium UNIVERSAL LIFE Non-Smoker/Age * Example Monthly Rate Death Benefit Member Only Member/Spouse Member/Child(ren) Family $ 124.93 $ 18.30 $ 263.12 1-866-667-8415 .23 $ 18.77 $ 68.39 $ 31.81 $ 20.86 $ 188.93 $ 203.36 $ 464.58 $ 25.59 $ 354.99 Member/37 Spouse/37 $ 44.60 $ 322.12 $ 52.86 $ 26.94 $ 31.94 ADVANTICA VISION Premium ALSO AVAILABLE: Cancer Insurance Family Legal Critical Illness 401k(i) Member Only Member/Spouse Member/Child(ren) Family $ 11.06 Member Only Member/Spouse Member/Child(ren) Family $ 25.79 $ 45.000 * Example rates.37 11-3796 • 01.89 $ 30.

866.667.benefit enrollment guide Call Today! 1.8415 Monday-Friday 8:00-7:00 EST .

8415 to have your questions answered by the enrollment center and to enroll! A pin code will be created for you and will serve as your signature. 1 2 3 1 We know that you face a lot of challenges. for only $6 per month. but finding medical coverage should not be one of them.. you will recieve access to many great benefits! Call today for more information. Paying for your premiums is easy through our payroll deduction program! 1 -2.667.3 By becoming a member of NAWP.Enrolling is as easy as.. . Review the benefits in this brochure and enroll today! Review and choose the programs you need! Call 1. Isagenix is proud to offer its members a Personal Protection Package that is comprehensive.866. yet affordable.

.................................................................................... 8 Universal Life...................................................................................................................................................................................................................................... 5 Non-Insurance Programs................................................................................ 9 Accident Select.............................. 11 Major Medical.............. Call for more information! Enroll Today! 2 ............................................Inside this brochure 3 Limitations & Exclusions........................................................................................................................ 7 Vision Care...................................................................................................... 401K(i)................................................................................................................................................................... 6 TransSmile Group Dental Insurance........................ 14 TransChoice® Plus A Group Limited Benefit Hospital Indemnity Insurance Plan................ 10 Cancer................................................................................................................................................................................................ 13 Critical Illness.................................................................

$300 $600 Accident Injury Benefit Accident Injury Benefit* Pays for medical expenses such as ambulance. the benefit paid will be for only the procedure that has the larger benefit.000 Intensive Care Up to 30 days per calendar year. $300 $600 In-Hospital & Surgical Additional Indemnity Benefit When a covered person is confined in a hospital as a result of an accident or sickness. it applies to outpatient services only). If more than one procedure is performed but each through a separate incision or in a separate operative field. The benefit is limited to four days of testing per calendar year per covered person and is not payable while the insured is confined in a hospital (i. If two or more procedures are performed through the same incision or operative field. and a charge must be incurred. pays up to the policy limit after a $100 deductible $0 Up to $1..500 Included Included 3 . this policy pays the benefit amount for each day the insured is confined in a hospital. the policy pays the benefit amount shown in the Schedule based on the plan level selected by the group. $80 $100 Wellness Visit This benefit will pay the selected amount for each covered person who undergoes the following: physical examinations immunizations prostate-specific antigen tests mammograms flexible sigmoidoscopy pap smears blood screenings $100 $150 This benefit is payable one time per calendar year for each covered person. $0 $1.000 Accidental Death & Dismemberment* Pays lump sum benefit defined under the plan for all covered accidents. and lab tests resulting from an injury caused by a covered accident. spouse and children. this policy pays the benefit amount for the first occurrence that the insured is confined in a hospital. hospital room and board. up to a maximum of 30 days per confinement. $0 Surgical & Anesthesia Indemnity Benefit Surgical Benefit (see Surgical Schedule) When a covered person undergoes a surgical procedure listed in the Schedule of Surgical Indemnity Benefits in the certificate as a result of an accident or sickness.000 / Spouse Life $5.000 per accident $2.e.000 $2.000 / Children Life $2. $200 Group Term Life Insurance $500 Term life available for member. $1. Member Life $10.500 Anesthesiology The anesthesia benefit is 20% of the surgical benefit amount. Term life with full benefit amounts for member. Diagnostic Tests X-Ray and Lab This benefit pays the amount shown per testing day for tests performed for the purpose of diagnosis of a covered sickness or accident as indicated by symptoms that would suggest an injury or sickness had occurred. Benefit pays in addition to the Daily-In-Hospital Indemnity Plan. $100 $150 In-Hospital Indemnity Benefits Daily In-Hospital Indemnity Benefit When a covered person is confined in a hospital as a result of an accident or sickness. This benefit is payable only once each calendar year for each covered person. the amount payable will be the specified amount for the primary procedure plus 50% of the amount payable for all other surgical procedures performed. Benefits are payable for a maximum of six visits per calendar year per person. Services must be under the supervision of or recommended by a physician.Coverage to Include TransChoice Plus ® Outpatient Benefits A Group Limited Benefit Hospital Indemnity Insurance Silver Platinum Doctor Office Visit This benefit pays the amount shown per physician’s office visit as a result of a sickness or accident. if you are confined in a hospital intensive care unit due to an injury recieved in a covered accident or because of a covered sickness.

The Subsequent Critical Illness Indemnity Benefit is paid if the covered person is diagnosed as having a subsequent and separate covered critical illness more than sixty (60) days after the first one.Coverage to Include TransChoice Plus ® Member Discount Card Nationwide PPO Network Critical Illness A Group Limited Benefit Hospital Indemnity Insurance Silver Platinum Discount Card Included Included PPO Network Included Included When a covered person is diagnosed with a covered critical illness. Dependant coverage equal to 50% of this benefit.Maximum of 30 days per covered person per calendar year Emergency Room Sickness .2 visits per calendar year per covered person Ambulance Indemnity Benefit . Schaumburg. firmatory imaging studies). dergo regular hemodialysis or peritoneal dialysis at least weekly).000 Annual Maximum $0 $0 $100 $150 $360 $500 $200 $200 Included Included Premium Rate Member Silver Monthly Platinum Monthly Member + Spouse Member + Child(ren) Family $119. and is paid in addition to any other benefits paid by the TransChoice policy.60 days per year per covered person Mental Nervous .93 $201. or pan• Skin cancer including basal cell epitheloma or squamous cell carcinoma. IL **Underwritten by Companion Life Insurance Company. and con• Stroke (the diagnosis must be based on documented neurological deficits and confirmatory neuroimaging studies). does not include malignant melanoma or myco• Carcinoma In Situ (cancer that is confined to the site of origin without having invaded neighboring tissue). Administration provided by First Service Administrators. • End stage renal failure (chronic.59 $198.Maximum of 3 trips per calendar year per covered person. sis fungoides. Home Office. Lakeland FL *Underwritten by Zurich.000 • Cancer (including Leukemia and Hodgkin’s Disease. Cedar Rapids. and creas). Policy Form Series CPCH0200 and CCCH0200.44 $459. IA.60 $183. kidney. lung. irreversible failure of the function of both kidneys such that a covered person must un• Major organ transplant (undergoing surgery as a recipient of a transplant of a human heart. $10 Retail Co-Pay Formulary Generic / $50 Retail Co-Pay Formulary Brand. Additional Benefits Skilled Nursing Facility . Mail: $30 Co-Pay Formulary Generic / $150 Co-Pay Formulary Brand.86 $349.36 $258. first under the Critical Illness Indemnity Benefit and then under the Subsequent Critical Illness Indemnity Benefit.000 $10.99 Underwritten by Transamerica Life Insurance Company. the selected amount will be paid. SC 4 . After the waiting period has expired. Columbia. elevation of cardiac enzymes. • Heart attack (diagnosis must be based on EKG changes consistent with injury. Prescription Benefit Prescription Drug Indemnity Benefit** Brand / Generic. except Stage 1 Hodgkin’s Disease).* This amount is payable up to two times for each covered person. liver.30 $317. $750 / $1. benefits are payable for the following critical illnesses: $5.

parasailing. pap smears. or taking part in a felony or assault. the company’s liability may be limited to only the return of premiums paid. directly or indirectly. The insurance on a Dependent will cease on the earliest of: 1. • dental examinations or dental care other than expenses resulting from an accident. • sickness or mental illness. Refer to the policy and certificate for complete details. • artificial insemination. Termination of Insurance Your insurance will cease on the earliest of: 1. with respect to the Off-the-Job Accidental Injury Benefit only. The date the Policy is modified so as to exclude Dependent coverage. prostate-specific antigen tests and blood screenings unless the Wellness Benefit is included. or any act of war. including any related testing. parachuting. The end of the last period for which premium payment has been made to Us. any accident caused by the participation in any activity or event. The last day of the payroll deduction period during which You terminate employment. AD&D Rider Rider Form Series CR101100 We will not pay any benefits if the loss. or medical or surgical treatment for any sickness. In such circumstances and with respect to payment of the Daily In-Hospital Indemnity Benefit. If any death benefit is increased. functional or organic nervous disorder. • rest care or rehabilitative care and treatment. even if the means or cause of the loss is accidental: • suicide or intentionally self-inflicted injury. • any loss incurred while on active duty status in the armed forces (if the insured notifies Transamerica of such active duty. 2. while sane or insane. while under the influence of a controlled substance (unless administered by a physician or taken according to the physician’s instructions) or while intoxicated (intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred). medications. • any intentionally self-inflicted injury or sickness. wage. civil disobedience. In the event of suicide. • care or treatment of an accident or sickness not specifically provided for in the plan. charges that the covered person is not legally required to pay. or 4. results from any of the following. • participation in an organized contest of speed. except as a fare paying passenger on a regularly scheduled commercial aircraft. 3. or inhaled (except in the course of employment). bungee jumping. except as a fare-paying passenger on a commercial airline on a regularly scheduled route. The date the Dependent no longer meets the definition of Dependent. • committing. or profit OR expenses which are payable under Occupational Disease Law or similar law. or physician’s services. including routine nursery charges. flexible sigmoidoscopy. unless required by law. or any act of war. • routine eye examinations or fitting of eye glasses. but will apply only to the amount of the increase. The end of the last period for which premium payment has been made to Us. • the treatment of mental illness. the Company’s liability may be limited to only the return of premiums paid. In the event of suicide. regardless of cause. • declared or undeclared war. or unlawful assembly. • routine newborn care. while sane or insane. • treatment of an accident or sickness made necessary by or arising from war. absorbed. In Missouri. attempting to commit. a controlled substance or other drugs as defined by the laws of the State where the accident occurs. • hearing aids or fitting of hearing aids. mammograms. 2. suicide is no defense to payment of benefits unless the Company can show the insured intended suicide when he/she applied/enrolled for coverage. or 4. within two years of the date of his/her insurance starts. In the event of suicide. We will have the right to terminate the coverage of any Covered Person who submits a fraudulent claim under the Policy.TransChoice® Plus Group Limited Benefit Hospital Indemnity Insurance Policy Form Series CPCH0200 and CCCH0200 Limitations & Exclusions No benefits will be payable as the result of: • suicide or any attempt thereof. except as prescribed by a doctor. this suicide exclusion starts anew. illness or disease. benefits will be limited to no more than 10 days in any calendar year. or charges which would not have been made if this coverage had not existed. • air or ground ambulance transportation (unless the Ambulance Benefit has been included). • alcohol abuse. whether or not application for such benefits has been made. • air travel. or as a passenger for transportation only and not as a pilot or crew member. • the reversal of tubal ligation and vasectomies. declared or undeclared. drug use. • immunization shots and routine examinations such as physical examinations. and test tube fertilization. • flight in any kind of aircraft. unless such drugs were taken on the advice of a physician and taken as prescribed. 5 . immunizations. or • any surgical procedure not specifically listed in the Schedule of Surgical Indemnity Benefits. or engaging in an illegal occupation. The date the Policy terminates. • any poison or gas voluntarily taken. Transamerica will refund any premiums paid for any period for which no coverage is provided as a result of this exception). while sane or insane. Group Term Life Insurance Policy Policy Form Series CP100200 and CC100200 We will not pay a death benefit if an insured dies by suicide. suicide is no defense to payment of benefits unless the company can show the insured intended suicide when he/she applied/ enrolled for coverage. • participation in a riot. The last day of the payroll deduction period during which You cease to be eligible for coverage. including the operation of a vehicle. • injuries received while under the influence of alcohol. or hang gliding. • accidents or sicknesses arising out of and in the course of any occupation for compensation. civil commotion. The date Your coverage terminates. administered. In Missouri. • commission of or attempt to commit an assault or felony. and • taking part in an insurrection. the Company’s liability may be limited to only the return of premiums paid. in vitro fertilization. disease of any kind. • any procedure or treatment to change physical characteristics to those of the opposite sex and other treatment related to sex change. 3. suicide is no defense to payment of benefits unless the Company can show the insured intended suicide when he/she applied/ enrolled for coverage. In Missouri. • any bacterial or viral infection.

Services provided by this plan include: • General information on all types of health concerns • Information based on physician-approved guidelines • Answers about medication usage and interaction • Information on non-medical support groups • Translation services for non-English speaking callers • Full-time medical director on staff HEARING AID BENEFIT The Hearing Aid benefit provides savings of up to 15% off the retail cost on over 70 models of hearing aids and a free hearing test when utilizing one of the 1. The hotline nurses are an immediate. counseling services. and benefits for hearing aids. hospitals. It offers members access to the Nurses Hotline.com. Ltd. and urgent care physicians. We are available Monday through Friday from 8:00 a.200 participating Beltone® locations nationwide. In addition.m. NURSES HOTLINE The Nurses Hotline allows access to experienced. Members have access to a broad network of independently contracted physicians.m. visit www. education. They are primary care physicians.000 locations nationwide. Physicians are available 24 hours a day. reliable. discounted rates. For more information. To 7:00 p. they will receive discounts of 25%-30% off the normal billing charges from those providers. Eastern Standard Time to provide information on the following: • Account management • Member eligibility • Verification of benefits • General policy questions • PPO network information • Patient advocacy program In addition to the hospital indemnity benefits provided by Transamerica Life Insurance Company. 7 days a week regarding any personal problems they may be facing. All licensed physicians specialize in telephone medical consults. TELEDOC Teledoc allows a member access to telephone medical consults with licensed physicians who diagnose medical problems and prescribe short-term medication when appropriate. and healthcare professionals who provide services at negotiated. and caring source of health information. BEECH STREET NETWORK (NON-INSURANCE) Our national Preferred Provider Organization (PPO) offers a medical provider network with over 520. internists. 7 days a week.500 hospitals throughout the United States. and support. the plans include a provider network and many other discounts offered by other vendors as noted below: MEMBER DISCOUNT CARD This card is provided by New Benefits.beechstreet. registered nurses 24 hours a day. if the member is referred to one of the 27. This is not an insurance plan.* 6 WMD TYEN1NON 0811 . The member can also realize savings of up to 50% off the suggested retail price on over 90 models of hearing aids in over 1.* *Discounts on professional services are not available where prohibited by law.ACCESS TO DISCOUNT MEDICAL BENEFITS & SERVICES Non-Insurance Programs COUNSELING SERVICES The Counseling Services benefit allows the member to speak with a counselor 24 hours a day. While all limited benefit plans may seem equal. 365 days a year. 365 days a year.000 physicians and more than 3. using the PPO network (combined with our knowledge and years of healthcare experience) allows members to save dollars on their healthcare services. MEMBER SERVICES Members can access benefit information and other services by dialing one toll free number.000 counseling providers nationwide. Information on how to access the benefits of the Member Discount Card will be included in the fulfillment package that each insured member receives.

emergency treatment for pain. Please request rates for California residents.58 Preferred $23. surgical periodontics. Additional Benefit Information Waiting Period Type III Services – 12 month waiting period Dependent Eligibility Eligible dependents of the insured include the insured’s lawful spouse and unmarried children less than 19 or less than 26 if a full-time student.97 $35. space maintainers and bitewings *** Type II services include: x-rays. prosthodontics and implants.77 $66. crowns. Annual Maximum Applies individually to member and each covered family member per policy year.TransSmile Dental Insurance ® Services* Type I – Diagnostic & Preventative** Type II – Basic Restorative Services*** Type III – Major Restorative Services**** Coverage 100% 80% 50% Basic Preferred p p p p p * Out of network reimbursement based on maximum allowable (MA). . IA. CCDEN100. *Rates do not apply in the State of California. other limitations and exclusions may apply. onlays.79 $43.12 $50. topical fluoride. Basic Preferred Annual Deductible Applies to Type II and III Basic Preferred $500 $1. ** Type I services include: exams.89 $28. non-surgical periodontics. and simple extractions. periodontal maintenance. Spouse Member. fillings. veneers endodontics. See policy for details.000 $50 $50 Monthly Rates Member Only Member.06 7 TransSmile Group Dental Insurance is underwritten by Transamerica Life Insurance Company.30 $41. oral surgery (except TMJ). Child Family Basic $16. **** Type III services include: denture repair. cleanings. Policy Form Series CPDEN100. Home Office: Cedar Rapids. inlays. (12 month waiting period for Type III).

$0 for members age 19 and under. Keratoconus Severe Anisometropia and requires pre-authorization by Advantica. ***Limited Aphakia.93 $6.37 *All out-of-network reimbursement must be submitted Advantica and are subject co-pays. provider locations. Keratoconus oror Severe Anisometropia and requires pre-authorization by Advantica.86 $24. Monthly Rates Monthly Rates Monthly Rates Member Only Member Only Member Only Member. If If outside special frame selection.Fitting Contact . 8 . Spouse Member. $30 for members over age 19 $30 for members over age 19 $50 additional co-pay $50 additional co-pay $60 additional co-pay $60 additional co-pay 100% 100% $250 allowance $250 allowance $100 allowance $100 allowance $30 allowance $30 allowance Non-Participating Provider* Non-Participating Provider* Up to $40 Up to $40 Up to $40 $60 $80 Up to $40 // $60 // $80 N/A N/A N/A N/A N/A N/A Up to $45 Up to $45 Up to $225 Up to $225 Up to $100 Up to $100 N/A N/A Access to discounted refractive eye surgery procedures from selected Access to discounted refractive eye surgery procedures from selected provider locations. ****This benet is t is paid only once during the Group’ s Benet Period t Period and must be fully utilized the time purchase. member receives aa $100 allowance.93 $6. Child(ren) Member. member receives $100 allowance.23 $16. **100% coverage applies toto frames on Provider’s special frame selection.86 $13.23 $13.Insurance coverage underwritten by National Guardian Life Insurance Company. Child Member.37 $21. **100% coverage applies frames on Provider’s special frame selection. Child(ren) Family Family Family $9. ****This bene paid only once during the Group’ s Bene and must be fully utilized atat the time ofof purchase. ***Limited toto Aphakia. Spouse Member.86 $13.National National Guardian Life Insurance Company Insurance coverage underwritten by National Guardian Life Insurance Company.93 $16. VisionCoverage Coverage Vision Benets ts Bene Examination Examination Lenses Lenses Frames Frames Examination Co-Pay Examination Co-Pay Materials Co-Pay Materials Co-Pay Once every 12 months Once every 12 months Once every 12 months Once every 12 months Once every 24 months Once every 24 months $10 $10 $25 $25 Benets ts Bene Examination Examination Single Bifocal /Trifocal Lens (Standard Plastic) Single // Bifocal /Trifocal Lens (Standard Plastic) Polycarbonate Lenses Polycarbonate Lenses Standard Progressive Lenses Standard Progressive Lenses Standard Photochromic Lenses Standard Photochromic Lenses Frames** Frames** Contact Lenses-Medically Necessary*** Contact Lenses-Medically Necessary*** Contact Lenses-Elective**** Contact Lenses-Elective**** Contact . Guardian Life Insurance Company not liated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life. *All out-of-network reimbursement must be submitted toto Advantica and are subject toto co-pays.Fitting Laser Eye Surgery Laser Eye Surgery Participating Provider Participating Provider 100% 100% 100% 100% $0 for members age 19 and under. outside special frame selection. Spouse Member.37 $21.23 $13. isis not a a liated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life.

Member Age 37 . If you retire or leave your group. 9 .000 for term rider 90 days Conditional guarantee issue The policy builds with a guaranteed interest rate of 4%. premium will increase by $52.81 $20. Their customer service number is 888.000 or $10.000 $30.763. Those who are inadequately insured may risk their financial security. eligible dependent children issue is up to $25. Example* Eligibility Evidence of Insurability Cash Value Accumulation Portable Accidental Death & Dismemberment Rider Automatic Face Amount Increase Rider Age/Non-Smoker Age 37 . You must speak with a benefits counselor to receive your applicable rate. AD&D is not available to children.00 annually. you can take comfort in knowing that the individual rate for your coverage won’t change because you leave. current interest rate is 5.000 *Rates are based upon age and tobacco usage. Other limitations and exclusions apply.Spouse Monthly Deduction $44. spouses up to the age of 60 can increase the policy face amount on their first three contract anniversary dates. members up to age 65 can increase the policy face amount on their first five contract anniversary dates.000 not to exceed $18.25%.7474. Option for member and spouse to add additional coverage without producing evidence of insurability. Yes. TransLegacy Universal Life Insurance complements existing coverage and helps provide additional financial security for you and your eligible family members. Please refer to your contract and riders for complete details. TransLegacy is underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids.00 per week of premium.000.A GROUP UNIVERSAL LIFE INSURANCE POLICY TransLegacy SM Program Description Benefit Levels Group Universal Life Insurance Policy Conditional guaranteed issue is up to $150. rider terminates at age 70. General policy form series CPGLDU00 and CCGLDU00. May not be available in all jurisdictions. spouse issue is up to $6.00 per week not to exceed $50. Pays an additional death benefit up to $100.000 matching your face amount for death resulting from an accident. IA).06 Death Benefit $70.

500 Child .AN ACCIDENT ONLY INSURANCE POLICY AccidentSelect ® Policy Description Highlights Descriptio Initial Hospitalization for Injury Benefit Accident Emergency Treatment Benefit Accident Hospital Income Benefit Appliances Benefit Physical Therapy Benefit Prosthesis Benefit Accident Follow-up Treatment Benefit Wellness Benefit Ambulance Benefit Accidental Death Motorized Vehicle or Pedestrian Accidents Common Carrier Accident Benefits $500 per person. hands.$12. per covered accident $25 per visit up to a maximum of 3 treatments within 6 months per covered person. (Benefits will not be paid for services rendered by a member of the immediate family of a covered person) On or off the job accidents Accidental Dismemberment Specific Sum Injuries Benefits Covered Rates Monthly Rates Member $25. foot. TRA0300 or CR500300. internal injuries. TRA0500 or CR500500. arm.94 Family $37. TRW0100 or CR501000 and TRIH0200 or CR501100.$300 per day up to 15 days per covered person per covered accident $100 per accident. Refer to the contract and riders for complete information.50% One eye. TRA0400 or CP500400.$25. This is a brief summary of AccidentSelect benefits. fractures. or leg . Not available in all jurisdictions. per covered accident $60 annual benefit for the insured or any one covered family member after the first 12 months of paid premium $150 Ground Ambulance $600 Air Ambulance Member . eye injuries. or feet . Ask for copy of rider for specific amounts payable and definitions and limitations for each specific accident.000 Spouse .$2. torn knee cartilage. burns.84 Underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids. per calendar year $100 for member or spouse paid once per covered accident $70 for children paid once per covered accident Hospital . ruptured discs. TRS0100 or CR500900.up to six treatments per covered accident $500 per person. Benefits range from $30-$2. lacerations. TRA0200 or CR500200. TRA0700 or CR500700. 10 .000.29 Member+Child(ren) $31. per person $50 per treatment.$35. Limitations and exclusions may apply.$100 per day up to 365 days per year with 30 days of accident ICU .39 Member+Spouse $31.500 Pays the percentage of the accidental death benefit: Both arms and legs .50% Two eyes.500 Member . IA) Policy form TPA0100 or CP500100 & Rider Services TRA0100 or CR500100.$17.20% One or more fingers and/or one or more toes . hand. and for blood plasma.100% Two arm or two legs . TRA0800 or CR500800.$3.5% Pays benefits for dislocations.000 Spouse . one treatment per day .500 Child .

or ACS. $200 per day at hospice center or hospice home visit: Lifetime maximum 100 days. chemotherapist or oncologist per 12 months. $200 per day during hospital confinement.500 for outpatient surgery. beginning 91st day $400 per day.000 per year for drugs. chest x-rays. $40 per day during hospital confinement. $225 1st removal. bone marrow testing. CA125. Actual charges up to $15. Actual charges up to $1. Benefit is equal to 25% of surgery benefit.000 for any combination of listed cancer maintenance therapy expenses per calendar year. Treatment must be received in a US hospital when authorized by the attending physician. $300 when surgery is prescribed treatment.500 per prosthetic device that requires implantation. hemocult stool specimen. Anti-Nausea Drugs. Private vehicle. up to the number of days of the hospital stay. ultrasounds.000 Radiation. $750 per calendar year for treatment consultation and planning. Up to $3. Premiums are waived after insured is totally disabled for 60 days due to cancer. flexible sigmoidoscopy. Chemotherapy & Blood Member $24. CEA. Commercial travel.$0.76 11 Underwritten by Transamerica Life Insurance Company (Home Office in Cedar Rapids. . $105 per additional removal. prostate-specific antigen tests. Plasma. when admitted within 14 days of discharge. $50 per treatment (limit one per day). ® Hospital Confinement & Extended Benefits Government Hospitals Radiation & Chemotherapy (In/Outpatient) Related Radiation & Chemotherapy Expenses $200 per day/up to 90 days. colonoscopy. surgery or therapy approved by FDA. NCI.Program Description Portable Cancer Select Plus Yes $200 per day. Hospital located more than 100 miles from residence $100 per day with maximum benefit of 50 days per calendar year. thermography. Actual charges up to $15. $200 per continuous confinement.000 per 12-month benefit period (except when replaced by donated blood when there is no charge to the covered person). checkups. Hair prosthesis up to $150 for wig or hair piece related to hair loss from cancer treatment.000 for in-hospital surgery and up to $4. $30 per day or during confinement. Service must be under the supervision of or recommended by a physician.02 Family $44. Experimental Treatment Private Duty Nurse Surgery Reconstructive Surgery Anesthesia Skin Cancer Surgery Prosthesis Attending Physician Inpatient Drugs & Medicines Blood.000 maximum per 12 month benefit period. and charge must be incurred. pap smears. and Motility Drugs Rates Monthly Rates $15. physical exams.51 Member-Child $28. biopsy. Actual charges up to $1. chemicals. laboratory or diagnostic tests when authorized by a radiologist. Hematological Drugs. Pays $50 per unit per calendar year for covered cancer screening tests: mammograms.40 per mile up to 750 miles for hospital confinement located more than 50 miles from your residence. radiation management.Actual round trip charges. Up to $750 for reconstructive surgery within two years of cancer removal. $200 per day. Actual incurred charges up to $15. serum protein electropheresis. & Platelets Second Surgical Opinion Hospice Care Ambulance Transportation Benefit Family Lodging Benefit Extended Care Facility Physical Therapy & Speech Therapy Waiver of Premium Wellness Benefit Cancer Suppressive Therapy. and blood screenings. IA) Policy form series CPCAN200 or CCCAN200.

your (the insured) spouse’s coverage will end upon the earlier of:  The death of your spouse. Nebraska.  Marriage. We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submitted to us for each new claim (except as stated under Section E. Item 22 “Skin Cancer”). Under a Single Parent Family policy or a Family policy. No benefits are provided during the first 2 years for any person diagnosed with cancer prior to the effective date of such person’s coverage. complicated. Coverage will end on each covered person if the renewal premium is not paid before the grace period expires. or affected by as a result of cancer.  Attainment of age 25 if a full-time student at a regular educational institution. or North Carolina). It does not provide benefits for any other illness or disease. worsened. We may reduce or deny a claim or void the policy for loss incurred by a covered person:  During the first 2 years from the effective date of such coverage for any misstatements in the application which would have materially affected our acceptance of the risk.  A valid decree of divorce received from the insured. Failure to pay the renewal premium before the grace period ends. 12 . or Your written notice to end coverage which is effective upon our receipt of said notice.cancerselectplus Cancer Select Plus Limitations & Exclusions limitations & exclusions ® ® We may reduce or deny a claim or void the policy and all riders as follows:  During the first 24 months if the member makes a material misrepresentation on the application. or  Written notice to end coverage which is effective upon our receipt of said notice. or  At any time for fraudulent misstatements in the application Under no condition will we pay any benefits for losses or medical expenses incurred prior to the effective date. Termination Under a Family policy.    Coverage on the insured will end upon the earlier of the insured’s: Death. coverage will end on a dependent child upon the earlier of the child’s:  Death.  Attainment of age 19. Limitations & Exclusions This policy provides benefits only for cancer defined in Section A “Definitions” which is positively diagnosed while this policy is in force. We will not pay for any other disease or incapacity that has been caused. or  Your written notice to end coverage which is effective upon our receipt of said notice. or  At any time if the member makes a fraudulent misstatement (this item does not apply in Georgia.

simple and economical decisions when choosing health insurance. prescription deductibles and prescription copays. 13 .g.950 in-network and $7. 50/50).000). calendar year deductibles. Enrollment First offers you this by shopping with multiple insurance carriers to find the insurance plan that fits your individual needs and budget. The maximum you will pay outof-pocket for covered services in a calendar year is $5. We offer prescription drug benefits. Am I Eligible? To be eligible for the Pre-Existing Condition Insurance Plan. We offer HRA. How Enrollment First can help you: – – – – – – – – We help you individualize a plan that will fit both your needs and your budget. you will pay a deductible before PCIP pays for your health care and prescriptions. you will pay 20% of medical costs in-network. with no deductible) when you see an in-network doctor and the doctor indicates a preventive diagnosis.Make smart. We offer a set maximum out-of-pocket expense. After you pay the deductible. You choose your deductible to reflect your monthly premium target ($500-$5. We have a nationwide network. There is no lifetime maximum or cap on the amount the plan pays for your care. Other health benefits: – – – – – – Wellness benefit Emergency room Hospitalization Organ transplants Ambulance benefits Rehabilitation benefits Major Medical Personalized individual and family quotes available from: – – – – – – – Assurant Golden Rule Anthem BC/BS Humana One Regency BC/BS Aetna State-affiliated BC/BS Pre-Existing Condition Insurance Plan (PCIP) Have you been denied coverage due to a pre-existing condition? You are now eligible for coverage through the Pre-Existing Condition Insurance Plan. 100/0. you must be a citizen or national of the United States or residing in the U. have been uninsured for at least the last six months. with different levels of premiums. a tax-exempt account where you can deposit funds for eligible medical expenses. We offer several different co-insurance plans (e. 60/40. Included are: – Annual Physicals – Flu Shots – Routine Mammograms – Cancer Screenings For other care. The HSA Option provides an opportunity to pen a Health Savings Account. created under the Affordable Care Act! PCIP enrollees can choose from three plan options. We offer worldwide coverage. and have a pre-existing condition or have been denied coverage because of your health condition. 80/20.000 out-of-network. legally.S. Each of the three PCIP Plan options provides preventive care (paid at 100%.

Payment of the partial benefit for coronary artery bypass surgery will reduce the benefit for a heart attack. we will pay the full benefit amount for any additional illness.60 $74. This is a brief summary of CriticalAssistancesm Plus. The two dates of diagnosis must be separated by at least 12 months or 12 month treatment free for internal cancer.5% Prostate Cancer with TNM Classification of TI . occurrences must be separated by at least 6 months.$50.80 $113.80 $64.100% Burns . Form and number may vary and coverage may not be available in all jurisdictions.80 $38. we will pay the full benefit again.25 $35. 14 WMD TYEN1CI 0811 .25 $8. ** Payment of the partial benefit for Carcinoma in Situ will reduce the benefit for internal cancer.000 for participants and $25.75 $21.00 $28. Iowa.70 $96. an insured my receive up to 100% of the benefit selected upon the first diagnosis of each covered critical illness If an insured collects full benefits for a critical illness under the policy and later has one of the remaining covered illnesses.000 $21.50 $15. If an insured receives the full benefit for a covered condition and is later diagnosed with the same condition.15 $20.000 $5.50 $41. Limitations and exclusions may apply.000 $15. certificate and riders for complete details. Cedar Rapids. Refer to the policy.60 $127.20 $29.40 $10.40 $57.60 $25. First Occurrence Benefit Additional Occurrence Benefit Re-Occurrence Benefit Covered Critical Illnesses* Illness covered under plan Heart Attack Stroke Major Organ Transplant Renal Failure (end stage) Internal Cancer Carcinoma in Situ** Coronary Artery Bypass Surgery** Percentage of face amount 100% 100% 100% 100% 100% 25% 25% Additional Benefit Heart Transplant Surgery 100% Paralysis not due to stroke .5% Cancer Screening Benefit . underwritten by Transamerica Life Insurance Company.40 $190.000 $11.A GROUP CRITICAL ILLNESS INSURANCE POLICY CriticalAssistance Plus SM Group Critical Illness insurance provides a lump-sump benefit to help cover out-of-pocket medical expenses and the costs associated with life changes following a covered critical illness.75 $93. Policy Features • Lump-sum benefits paid directly to the insured following the diagnosis of each covered critical illness • Coverage may be continued until benefits have been paid in full for each covered critical illness • Guaranteed issue is available for participant coverage and is subject to the participation requirement • Benefit amount available from $5.45 $56.100% Angioplasty/Stent .00 $141.60 $74.60 $85.all 4 limbs .000 $18.25% Skin Cancer .000 $8.60 $14. benefits are reduced by 50%.90 $33.80 $15.000 up to $50.40 *At age 70.00 $62.90 $111.000 for spouses • Annual health screening benefits After the waiting period. Policy form series CPCI0200 and CCCI0200.40 $50.20 $26.00 per calendar year Sample Monthly Rates (non-tobacco rates) Age 18-35 36-45 46-55 56-60 61-64 65+ $5.00 $30.30 $38.20 $20.50 $159.3rd degree or 50% coverage .20 $169.

667.8415 .call today for more information 1.866.

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