Download Report

United Service Association For Health Care
Hospital Indemnity Series
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Medical Indemnity Insurance Benefit
These benefits are underwritten by Standard Life
and Accident Insurance Company and subject to the
exclusions, limitations, terms and conditions of
coverage as set forth in each insurance certificate and
the Group Policies issued to USA+.
Active members are automatically covered under
certain group insurance policies purchased by USA+,
with USA+ being the group policy holder.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Medical Indemnity Insurance Benefit
Benefits included depends upon the Membership
plan purchased.
None of the benefit packages are a substitute for
comprehensive health insurance and should not
be used to replace major medical insurance.
This plan does not include the Essential Benefits
required under the Patient Protection and
Affordable Care Act.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Medical Indemnity Insurance Benefits
 Daily Hospital Confinement Benefit
 Hospital ICU Confinement Benefit
 Continuous Care Benefit
 Emergency Medical Services Benefit
 And much more
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Medical Indemnity Insurance Benefit
Pre-Existing Conditions
 Coverage is not provided for loss due to pre-existing
conditions for 12 months from the Covered Person’s
effective date for the Daily Hospital Confinement
Benefit, Intensive Care and Continuous Care benefits.
 Coverage is not provided for loss due to sickness for
30 days from the Covered Person’s effective date.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Daily Hospital Confinement Benefit
This benefit is payable up to 30 days for each
Period of Confinement when a Covered
Person is Confined in a Hospital as a result of a
covered Accident or Sickness.
Benefit Levels:
 500 Level - $ 500 per day
 1000 Level - $1000 per day
 2000 Level - $2000 per day
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Hospital Intensive Care Unit Benefit
This benefit is payable for up to 15 days for each
Period of Confinement when as the result of a
Covered Injury or Sickness, a Covered Person is
confined to a Hospital ICU unit.
Benefit Levels:
 500 Level - $ 500 per day
 1000 Level - $1000 per day
 2000 Level - $2000 per day
The ICU benefit is paid in addition to the Daily Hospital
Confinement Benefit.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Continuous Care Benefit
This benefit is payable when a Covered Person requires Continuous
Care following a covered hospital stay. We will pay the daily benefit
for each day of Continuous Care for a period equal to the length of
the preceding Period of Confinement in a Hospital not to exceed 30
days. The CCU Benefit is payable for a maximum of 30 days per
person, per policy year.
Benefit Levels:
500 Level - $500 per day
1000 Level - $1,000 per day
2000 Level - $2,000 per day
Continuous Care means care received in a Skilled Nursing Facility, a
Rehabilitation Facility/Unit, Home Health Care Services or Hospice Care for the
same condition treated during the preceding hospital confinement.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Emergency Medical Services Benefit
This benefit is payable if a Covered Person
receives Emergency Medical Services for the
treatment of a Medical Emergency while in an
Emergency Room or Ambulance.
500 Level = $25
1000 Level = $25
2000 Level = $25
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Age Limitations
Adult members are eligible up through age 64.
Coverage for Medical Indemnity Insurance
Benefits is not provided for members age 65
and over.
Dependent children are eligible to age 26.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Best Doctors®
InterConsultation – a high level second opinion, to confirm diagnosis & treatment.
FindBestDoc – assistance in locating doctors in your area that have been identified
as best by their peers to treat specific medical conditions.
FindBestCare – arranging access to hospitals and treatment.
BridgeHealthMedical
BridgeHealthMedical, the premier provider of medical travel services, connects you
with domestic and international hospitals and doctors to provide you with excellent
quality & pricing that is substantially lower than anything you can find on your own.
BridgeHealthMedical provides you with a connection to our pre-screened network
of providers, schedules the surgery/procedure for you, and provides personal
assistance throughout the entire experience – from the initial contact with the
surgeon, to trip planning, updates to friends and family, and follow-up care.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Emergency Helicopter Rescue
In the event that an eligible member suffers from a certified injury that requires
emergency medical transportation by helicopter in accordance with EMS
protocols, the program will reimburse the participant up to a maximum of $7,000
per occurrence.
Emergency Helicopter Rescue
Reimbursement includes expenses incurred from the cost of Medically Necessary
or Life Threatening helicopter transportation from the scene of an accident to the
nearest medical facility capable of treating the injuries or from one medical facility
to another medical facility. Claims for Medically Necessary transports from one
medical facility to another medical facility are subject to review by Lifeguard’s
Medical Officer.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Emergency Helicopter Rescue
Provisions include:
 One benefit will be paid per occurrence.
 Benefit in excess of all other valid collectable insurance.
 Coverage is worldwide.
 Transportation by helicopter only.
This benefit is provided to USA+ members by Lifeguard Emergency Travel, Inc.
Certain terms and conditions apply and benefits are subject to the Exclusions
and Limitations. See your membership Handbook for the details.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
FrontierMEDEX Medical Service with Take Me Home
FrontierMEDEX Medical Services with Take Me Home provides you with Medical
Evacuation and Repatriation Services, Travel Assistance Services, and Medical
Assistance Services when you are 100 or more miles away from home
FrontierMEDEX Medical Service with Take Me Home
Medical Evacuation & Repatriation Services Available
(fully paid service)
 Emergency medical evacuation
 Medically supervised return
 Repatriation of Mortal Remains
 Travel Assistance for dependent children
 Travel Assistance for companion if member hospitalized when traveling alone
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
FrontierMEDEX Medical Service with Take Me Home
Travel Assistance Services Available
 Emergency Travel Arrangements
 Emergency Transfer of Funds
 Worldwide Legal Referrals
 Translation Services
Medical Assistance Services Available
 Worldwide Medical and Dental Referrals
 Transfer of Insurance Information and Medical Records to Medical Providers
 Dispatch of Doctors and Specialists
Hospital Bed to Hospital Bed
 Available at no charge to members when a medical situation requires a transfer of
100 air miles or more from a hospital to a specialized hospital or medical facility.
MEDEX must be contacted in advance to coordinate the arrangements for a safe
and appropriate transfer.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
MyHealthCompass
The most comprehensive consumer health information tool available. With
MyHealthCompass, you will have access to detailed information about
healthcare providers, and be better equipped to make healthcare decisions.
As a member of MyHealthCompass, you’ll benefit from: Quality ratings for
hospitals and medical procedures, Pricing information for medical
procedures, Detailed profiles on doctors and hospitals.
USA+ Benefits Protector
If you have been a member for 6 months and should lose your job through
no fault of your own, USA+ will be there for you. Your membership dues will
be waived and your membership benefits will continue for 3 months.
Certain terms and conditions apply.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Standard Life & Accident Insurance
Company Exclusions and Limitations
WAITING PERIOD FOR SICKNESS
Loss caused by or relating to Sickness will not be covered for
the first 30 days after the Certificate Effective Date of each
Covered Person.
PRE-EXISTING CONDITION LIMITATION
Loss caused by or relating to a Pre-existing Condition is not
covered for the first 12 months after the Certificate Effective
Date of each Covered Person.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Standard Life & Accident Ins. Co. Exclusions & Limitations
EXCLUSIONS
No coverage shall be provided and no benefits will be paid for any loss resulting in whole or in part from, or contributed to, or as a natural and probable consequence of any of the
following excluded risks:
1.Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury or any act of auto-eroticism, while sane or insane.
2.Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Covered Person is:
a. Riding as a passenger in any aircraft not intended or licensed for the transportation of passengers;
b. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
c. Riding as a passenger in an aircraft owned, leased or operated by the Covered Person’s employer;
3. Declared or undeclared war, or any act of declared or undeclared war;
4. Full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. Unearned premium for any period for which the
Covered Person is not covered due to his or her active duty status will be refunded. Loss caused while on short-term National Guard or reserve duty for regularly scheduled training
purposes is not excluded.);
5. The Covered Person’s being intoxicated (defined as blood alcohol concentration equal to or in excess of .08gms/dl blood alcohol). This applies whether or not the Covered Person is
charged with any violation in connection with a loss and there is no need to prove a loss was caused, contributed to, or resulted from the excessive blood alcohol concentration;
6. The Covered Person’s: 1) voluntary use of illegal drugs; 2) the intentional taking of over the counter medication not in accordance with recommended dosage and warning
instructions; and 3) intentional misuse of prescription drugs:
7. The Covered Person’s commission of or attempt to commit a felony.
8. The Covered Person being engaged in an illegal occupation;
9. Services and supplies which are not prescribed by a Physician as Medically Necessary to treat a covered loss.
10. Services and supplies which are received without charge or legal obligation to pay or would not normally be paid in the absence of insurance;
11. Services and supplies which are received outside of the United States of America, its possessions and territories;
12. Dental care or treatment unless due to an injury to a sound and natural tooth;
13. Cosmetic surgery or reconstructive surgery, including breast reduction and surgery to repair, replace, or remove breast implants; however, the Exception does not apply when
surgery is required:
a. To repair a birth defect of a child born to the Insured and continuously covered under the Policy from birth; or
b. For reconstructive surgery following a covered mastectomy;
14. Any covered loss that is covered under any state or federal Worker’s Compensation, Employer’s Liability law or similar law;
15. Any mental or nervous disorders or alcoholism or substance abuse.
16. Any procedure for refractive correction, eye refraction or the purchase of fitting or vision or hearing aids, Cochlear Implants and related devices;
17. Pregnancy or maternity. Complications of Pregnancy are not excluded.
18. Participating in any organized sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type vehicle in an organized event;
19. Care in a custodial institution, domiciliary care or rest cures;
20. Weight reduction or treatment of obesity, including exogenous, endogenous or morbid obesity;
21. Diagnosis or treatment (including surgery) of sexual dysfunctional disorders or inadequacy, or transsexual surgery; or
22. Routine newborn care.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Membership Effective Date
If the membership is purchased from day 1 through day 14 of the month,
the effective date is the 15th of the month
If the membership is purchased on day 15 through the end of the month,
the effective date is the 1st of the following month
Free Look Period
Member has 30 days to review and evaluate the membership.
If a cancellation request is received within the free look period, the
membership will be cancelled and all dues paid refunded.
If a cancellation request is not received within the free look period, the
membership will be cancelled, but no refund will be issued.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Voice Log For Hospital Indemnity Series
 Agents are required to use a voice log for all sales of the
Hospital Indemnity Series.
 Dial the voice log number.
 You will be prompted to enter your agent ID
(Your agent number without the TC).
 You will be prompted to enter the member’s phone number.
 Wait for confirmation of the information you entered.
 Read the provided script with the member on the phone and
wait for responses from the member.
 Once you have completed the script, press # for a
confirmation number.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Combine with USA+ Products
The Hospital Indemnity Series product can be sold in conjunction with any
other USA+ product.
Appointment Paperwork
Appointment with Standard Life and Accident Insurance Company (SLACO)
is required to sell the Hospital Indemnity Series.
The agent must complete the appointment process prior to submitting
business. Resident appointment fees are paid by the carrier; however, the
agent will need to contact SLACO directly, using an 800 number that LPI
Companies will provide for all Team Corp agents.
Fax Appointment form(s), Background Question Form and copies of licenses
to LPI (786) 845-3923 or email to: [email protected].
GA and PA require pre-sale Appointments.
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
MOST CLIENTS WITH HIGH DEDUCTIBLE
HEALTH PLANS CAN USE THIS PRODUCT
TO HELP COVER THEIR PLAN DEDUCTIBLE
AND OTHER OUT OF POCKET EXPENSES
HOSPITAL INDEMNITY PLAN MONTHLY PREMIUMS
H I - 500
Member Only
$ 69
Member + Spouse
$138
Member + Child(ren)
$ 89
Family
$179
H I - 1000
$129
$258
$169
$339
H I - 2000
$249
$498
$309
$639
1st year Commission and Renewals are 25% level with a 6 month advance
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.
Where Great Service Is Always Available!
The LPI Companies
Marketing Team
VICTOR
Thanks You
MIKE
LPI COMPANIES INC.
8333 NW 53rd St., Suite #107
Doral, Florida 33166
DIANA
Phone - 786-845-3900
Fax - 786-845-3923
www.lpicompanies.com
BRENDA