Secure A dvantage

A Custom-Tailored Approach to

Only Available in Your State From Freedom

Life Insurance Company of America, a
Member of the USHEALTH Group Family
of Companies.

Sickness Accident
Cover age

Exclusively marketed by:

Affordable Health Coverage Built Just For You!

SECADVANTAGE-BR-TX-FLIC-0115

2014 USHEALTH Group. Inc. - ALL RIGHTS RESERVED.

Increasing Healthcare Costs Are The #1 Concern

Of Small Business Owners.1

Affordable

Custom Tailored Cover age

From Freedom Life, a Company You Can Count On!
As a valued member of the American Independent Business Coalition, you are entitled to apply for
coverage under Freedom Lifes Medical Plans issued to the Association. The SecureAdvantage Package
is only available to our Members.

Experienced
Over 50 collective years of industry experience.
Over 15 MILLION customers helped and served.

Dependable
Over 1 billion dollars in CLAIMS PAID!
Average claim paid in LESS THAN 10 CALENDAR DAYS!2

Personalized
Dedicated PROFESSIONAL insurance agents to help You
navigate the complexities of Your insurance purchase!
PERSON to PERSON CUSTOMER SERVICE You dont have
to talk to a machine!

Innovative
Pioneered long-term fixed-rates to help keep Your
coverage affordable.
Access to online tools and resources so You can make
informed decisions about Your healthcare.
We offer two distinct Plans that, when packaged together,
work in harmony to provide coverage that is both affordable
and flexible.
ONLY FROM USHEALTH Group, Inc. - These unique insurance
plans are copyrighted. No other Association in America
offers them!

National Federation of Independent Business website, 2014.

2012 Analysis of Major Medical Expense Claims Processing Time by insurance subsidiaries of USHEALTH Group

1
2

Our Concept

Because it is!
SecureAdvantage
A Tailored Approach to Insurance
Coverage that Fits Like its Made Just for You

Sickness Plan

Accident Plan

Select

Add

Your Sickness Coverage to ensure the right level of

Protection for Yourself and Your family.

Customized Accident Coverage for lifes

unpredictable moments.

The SecureAdvantage Difference

Lock in Your rates for 12, 24 or 36 months

Ask Your Agent how You can lock in Your rates for up to
36 months!*

Flexible Deductible Choices

Choose the most appropriate deductible to meet Your needs and Your budget for
Your Sickness coverage and Your Accident coverage.

The SecureAdvantage Sickness Plans & SecureAdvantage

Accident Plans are not essential health benefits plans.**
Increasing Lifetime Maximum for both
Sickness & Accident coverage

Get rewarded for Your Good Health with Our Increasing Lifetime Maximum for
Sickness and Accident coverage.

24 hour coverage, on or off the job

Coverage You can depend on when You need it the most.

Reinsured with a reinsurer rated A by AM Best.

Portable coverage

You can take it with You even if You move or change jobs.

*The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change
of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes;
or any future requirements of any federal or state law.
**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 individuals household income each year (See page 23 of this brochure for details). The
SecureAdvantage Sickness Plans and SecureAdvantage Accident Plans are insurance plans which provide benefits on an
expense incurred basis up to an annual/lifetime maximum amount for covered services and are neither essential health
benefits plans under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law.
SecureAdvantage Sickness Plans and SecureAdvantage Accident 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 SecureAdvantage
Sickness Plans and/or SecureAdvantage Accident Plans has an exemption from the ACAs individual mandate or maintains
minimum essential coverage under the ACA, the insured will be subject to the ACAs shared responsibility payment (See
page 23 of this brochure for details).

Sickness Accident

SecureAdvantage

Build Security for Yourself & Your Family

Easy
Steps!

1
Select Your

Sickness
Plan

Lock In

Your Rates for

12 Months

Plan

Deductible
Coinsurance
Calendar Year
Maximum

Complete Your

Protection with Our Other

Optional Supplemental
Coverage Such as
99 SecureDental1
Dental Insurance
99 MedGuard1
Critical Illness Protection

24 Months

99 Accident Protector1
Excess Medical
Accident Insurance

36 Months

99 LifeProtector1
Term Life Insurance

Add Our Optional

Accident

99 IncomeProtector1
Short Term
Accident/Disability
Insurance

Deductible
Coinsurance
Calendar Year
Maximum

These optional plans are also

underwritten by Freedom Life Insurance
Company of America. Exclusions and
limitations apply. Not available in all
states.

Sickness

Accident

With Over 900,000 Bankruptcies Each Year

Caused by Medical Bills ...
1

You Need to KNOW You are Covered for Sickness from Head to Toe!!

The SecureAdvantage Sickness Plan covers sicknesses in all systems of the human body.2
Sicknesses
of the Brain &
Nervous System
Sicknesses
of the Respiratory
System

Sicknesses
of the Cardiovascular
System

Sicknesses
of the Musculoskeletal
System

Sicknesses
of the Digestive
System

Sicknesses
of the Reproductive
System

Sicknesses
of the Skin

Sicknesses
of the Immune
System

Sicknesses
of the Endocrine
System

Just a Few Examples of Covered Major Sicknesses

Heart Attacks

the Leading Cause of Death in the US

is Heart Disease (25.4%)
~U.S. CDC National Vital Statistics
Reports:Vol.58, No.19

the

Cancers

2 Leading Cause of Death

in the US (23.2%)
nd

~U.S. CDC National Vital Statistics Reports:

Vol.58, No.19

the

Strokes

3 Leading Cause of Death

in the US (5.6%)
rd

~U.S. CDC National Vital Statistics Reports:

Vol.58, No.19

CNN Health, Study by the American Journal of Medicine

Subject to Exclusions and Limitations of the Plan (see pages 21-23).

1
2

Sickness

The SecureAdvantage Sickness plan provides benefits for covered sicknesses, but unlike a major medical plan, it does
not cover accidental bodily injuries or wellness exams.
accident or wellness coverage is appropriate for you and/or
If Accident
your family, please ask your agent for details on available
options.

Sickness

Sickness

Accident

Sickness Coverages
Benefits Provided

for

Covered Sicknesses :

Hospital Confinement: semi-private daily room and

board
Intensive Care Unit
Hospital miscellaneous medications, prescription drugs,
services and supplies
Surgery
Primary Surgeon
Assistant Surgeon
Anesthesiologist or Nurse Anesthetist
Pathologist Fees
Breast Reconstruction
Radiation, Chemotherapy, Occupational Therapy,
Rehabilitation and Speech Therapy
Inpatient/Outpatient Laboratory and Diagnostic Tests
- subject to $250 Laboratory and Diagnostic Testing
Access Fee for MRI, CAT Scan, Myleogram & Nuclear
Imaging
Emergency Room Services
- subject to $250 Emergency Room Access Fee
(Emergency Room Access Fee waived on Hospital Admission)

Emergency Transportation to Hospital by Ambulance

Outpatient Surgery at a Hospital or Ambulatory
Surgical Center
Diabetes Equipment, Supplies and Self-Management
Training
Medical Equipment and Supplies

A dditional Benefits Provided

for Covered Sicknesses :
Provides up to 60 Provider visits per Hospital
Confinement, including 1 Provider visit per day for each
treating Provider while the Insured is hospitalized
Second Surgical Opinion: Up to $250 of professional fees
Physical Therapy: Covered up to 25 treatments or $2,000
per Calendar Year, per Insured
Organ Transplants: Covered up to $500,000 Lifetime
Maximum*, including up to $10,000 per transplant for
the harvesting of applicable donor organs or donor bone
marrow
Home Health Care: Covered up to 120 days in a
12 month period
Hospice Care: Covered up to 6 consecutive months
Skilled Nursing Home: Covered up to 120 days in a 12
month period
*Unlimited Lifetime Transplant Maximum available

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 individuals household income each year (See page 23 of this brochure
for details). The SecureAdvantage Sickness Plans are insurance plans which provide benefits on an expense incurred basis up to an annual/lifetime maximum amount for
covered services and are neither essential health benefits plans under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law.
SecureAdvantage Sickness 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 SecureAdvantage Sickness Plans has an exemption from the ACAs individual mandate or maintains minimum essential coverage under the ACA, the insured will be
subject to the ACAs shared responsibility payment (See page 23 of this brochure for details).

Sickness

Accident

Benefit Options
Select Your Calendar Year Deductible for Participating Providers (PPO)1,2:
$3,000

$6,000

$9,000

$12,000

$15,000

Choose Your Coinsurance Option3,4:

In-network
Coinsurance Options

In-network
Out of Pocket Maximum

Out-of-network
Coinsurance Options

Out-of-network
Out of Pocket Maximum

80% - 20%

$4,000

60% - 40%

$16,000

70% - 30%

$7,500

50% - 50%

$25,000

60% - 40%

$10,000

50% - 50%

$25,000

Select Your Maximums Per Insured:

Unlimited Lifetime Certificate/Unlimited Lifetime Transplant Maximums Per Insured
$5,000,000 Lifetime Certificate/$5,000,000 Lifetime Transplant Maximums Per Insured
$5,000,000 Lifetime Certificate Maximum with a $500,000 Lifetime Transplant/$250,000 Calendar Year Maximum Per Insured
$5,000,000 Lifetime Certificate Maximum with a $500,000 Lifetime Transplant/$100,000 Calendar Year Maximum Per Insured

Choose Your Premium Rate Guarantee Period. Lock In Your Rate:5

for 12 months

for 24 months

for 36 months

When 3 Insureds satisfy the Sickness Plans Calendar Year Deductible, no additional Calendar Year Deductible for the Sickness Plan will be required for the remainder of the Calendar Year.
An additional deductible equal to Your Calendar Year Deductible is required for Non-PPO Providers.
3
Subject to any coverage limits of this plan and after satisfaction of the Sickness Plans Calendar Year Deductible selected above, as well as payment of Access Fees, the
Separate Deductible For Non-Participating Providers and the Failure to Pre-Certify Treatment Deductible, if any. The Insured is responsible for paying the applicable
coinsurance percentage for all Covered Expenses incurred during the Calendar Year.
4
Does not include Calendar Year Deductible or Access Fees.
5
The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of
Premium Payment; different Participating Provider network; Participating Provider network availability, negotiated discounts, or its relationship to the Company; group policy
coverage, benefits, limitations, exclusions or premium change; requirements of any federal or state law.
1
2

Sickness

Accident

Sickness

Accident

How Does SecureAdvantage Help?

The SecureAdvantage Plan will supplement an essential health benefits plan. These Claims payment examples show how
a SecureAdvantage Sickness Plan can supplement a Bronze essential health benefits plan.

Bronze Essential Health Benefits Plan

SecureAdvantage Sickness Plan

Heart Attack 1
Total Charges:
PPO Network Discount:
Remaining Charges:

Patient Deductible:

$113,289
($39,651)
$73,638

Total Charges:
PPO Network Discount:
Remaining Charges:

$113,289
($39,651)
$73,638

$6,250

Patient Deductible:
Patient Coinsurance:
Emergency Room Access Fee
(waived on Hospital Admission)

$3,000
$4,000
Waived

Plan Pays:

$66,638

Plan Pays:

$67,388

Patient Responsibility:

$6,250

With Our Optional MedGuard Plan, Your responsibility could be ZERO!

Stroke1
Total Charges:
PPO Network Discount:
Remaining Charges:

Patient Deductible:

$52,038
($18,213)
$33,825

Total Charges:
PPO Network Discount:
Remaining Charges:

$52,038
($18,213)
$33,825

$6,250

Patient Deductible:
Patient Coinsurance:
Emergency Room Access Fee
(waived on Hospital Admission)

$3,000
$4,000
Waived

Plan Pays:

$26,825

Plan Pays:

$27,575

Patient Responsibility:

$6,250

With Our Optional MedGuard Plan, Your responsibility could be ZERO!

Breast Cancer - double Mastectomy
w/Reconstruction & Chemother apy1
Total Charges:
PPO Network Discount:
Remaining Charges:

$204,094
($71,433)
$132,661

Total Charges:
PPO Network Discount:
Remaining Charges:

$204,094
($71,433)
$132,661

Patient Deductible:

$6,250

Patient Deductible:
Patient Coinsurance:
Lab & Diagnostic Testing Access Fee

$3,000
$4,000
$250

Plan Pays:

$126,411

Patient Responsibility:

$6,250

Plan Pays:

$125,411

With Our Optional MedGuard Plan, Your responsibility could be ZERO!

Figures shown are for a SecureAdvantage Sickness Plan with a $3,000 deductible and 80-20% coinsurance to $4,000 and a Bronze essential health benefits plan with a $6,250
deductible. Individual results may vary based on the level of coverage selected, provider charges, PPO network discounts, geographic location and any applicable covered healthcare
services. Exclusions and limitations may apply.

Sickness

Accident

Non Fatal Injuries Resulted in

$111 Billion in Medical Costs.

When Accidents H appen

Count on Your SecureAdvantage Accident Plan to Cover Your Accidental Bodily Injury Medical Costs.2
Muscle Strains

Bone Injuries

Poisoning Injuries

Cut & Puncture

Injuries

Ligament & Tendon

Injuries

Back Injuries

Knee Injuries

Accidental Injuries
Covered 24/7 On or Off the Job!
Burn Injuries

Head Injuries

Sports Injuries
1
Centers for Disease Control and Prevention Data and Statistics: Cost of Injury Reports, Unintentional Non-Fatal Injuries, U.S., both sexes, all ages, most recent
data available as of October, 2014.
2
Subject to Exclusions and Limitations of the Plan (see pages 21-23).

Accident

The SecureAdvantage Accident plan provides benefits for covered accidents, but unlike a major medical plan, it
does not cover sicknesses or wellness exams. If sickness or wellness coverage is appropriate for you and/or your
Sickness
on available options.
family, please ask your
agent for details

Accident

Sickness

Accident

Accident Coverages
Benefits Provided

for

Covered Accidents :

Hospital Confinement: semi-private daily room and board

Intensive Care Unit
Hospital miscellaneous medications, prescription drugs, services
and supplies
Surgery
Primary Surgeon
Assistant Surgeon
Anesthesiologist or Nurse Anesthetist
Occupational Therapy, Rehabilitation and Speech Therapy
Inpatient/Outpatient Laboratory and Diagnostic Tests
- subject to $250 Laboratory and Diagnostic Testing Access Fee
for MRI, CAT Scan, Myleogram & Nuclear Imaging
Emergency Room Services
- subject to $250 Emergency Room Access Fee
(Emergency Room Access Fee waived on Hospital Admission)

Emergency Transportation to Hospital by Ambulance

Outpatient Surgery at a Hospital or Ambulatory
Surgical Center
Medical Equipment and Supplies
A dditional Benefits Provided

for

Covered Accidents :

Provides up to 60 Provider visits per Hospital Confinement, including

1 provider visit per day for each treating Provider while the Insured is
hospitalized
Second Surgical Opinion: Up to $250 of professional fees
Physical Therapy: Covered up to 25 treatments or $2,000 per Calendar
Year per Insured
Organ Transplants: Covered up to $500,000 Lifetime Maximum*,
including up to $10,000 per transplant for the harvesting of applicable
donor organs or donor bone marrow
Home Health Care: Covered up to 120 days in a 12 month period
Hospice Care: Covered up to 6 consecutive months
Skilled Nursing Home: Covered up to 120 days in a 12 month period
*Unlimited Lifetime Transplant Maximum available

10

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 individuals household income each year (See page 23 of this brochure
for details). The SecureAdvantage Accident Plans are insurance plans which provide benefits on an expense incurred basis up to an annual/lifetime maximum amount for
covered services and are neither essential health benefits plans under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law.
SecureAdvantage Accident 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 SecureAdvantage Accident Plans has an exemption from the ACAs individual mandate or maintains minimum essential coverage under the ACA, the insured will be
subject to the ACAs shared responsibility payment (See page 23 of this brochure for details).

Sickness

Accident

Benefit Options
Customize Your Calendar Year Deductible for Participating Providers (PPO)1,2:
$1,500
$7,500

$3,000
$9,000

$4,500
$12,000

$6,000
$15,000

Choose Your Coinsurance Option3,4:

In-network
Coinsurance Options

In-network
Out of Pocket Maximum

Out-of-network
Coinsurance Options

Out-of-network
Out of Pocket Maximum

80% - 20%

$4,000

60% - 40%

$16,000

70% - 30%

$7,500

50% - 50%

$25,000

60% - 40%

$10,000

50% - 50%

$25,000

Select Your Maximums Per Insured:

Unlimited Lifetime Certificate/Unlimited Lifetime Transplant Maximums Per Insured
$5,000,000 Lifetime Certificate/$5,000,000 Lifetime Transplant Maximums Per Insured
$5,000,000 Lifetime Certificate Maximum with a $500,000 Lifetime Transplant/$250,000 Calendar Year Maximum Per Insured
$5,000,000 Lifetime Certificate Maximum with a $500,000 Lifetime Transplant/$100,000 Calendar Year Maximum Per Insured

Choose Your Premium Rate Guarantee Period. Lock In Your Rate:5

for 12 months

for 24 months

for 36 months

When 3 Insureds satisfy the Accident Plans Calendar Year Deductible, no additional Calendar Year Deductible for the Accident Plan will be required for the remainder of the Calendar Year.
An additional deductible equal to Your Calendar Year Deductible is required for Non-PPO Providers.
Subject to any coverage limits of this plan and after satisfaction of the Accident Plans Calendar Year Deductible selected above, as well as payment of Access Fees, the
Separate Deductible For Non-Participating Providers and the Failure to Pre-Certify Treatment Deductible, if any. The Insured is responsible for paying the applicable
coinsurance percentage for all Covered Expenses incurred during the Calendar Year.
4
Does not include Calendar Year Deductible or Access Fees.
5
The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of
Premium Payment; different Participating Provider network; Participating Provider network availability, negotiated discounts, or its relationship to the Company; group policy
coverage, benefits, limitations, exclusions or premium change; requirements of any federal or state law.

Sickness

Accident

11

Sickness

Accident

How Does SecureAdvantage Help?

The SecureAdvantage Plan will supplement an essential health benefits plan. These Claims payment examples show how
a SecureAdvantage Accident Plan can supplement a Bronze essential health benefits plan.

Bronze Essential Health Benefits Plan

SecureAdvantage Accident Plan

Motorcycle Accident - Multiple Fr actures1

Total Charges:
PPO Network Discount:
Remaining Charges:

$126,763
($44,367)
$82,396

Total Charges:
PPO Network Discount:
Remaining Charges:

$126,763
($44,367)
$82,396

Patient Deductible:

$6,250

Patient Deductible:
Patient Coinsurance:
Emergency Room Access Fee

Plan Pays:

$76,146

Lab & Diagnostic Testing Access Fee

$3,000
$4,000
Waived
$250.00

Plan Pays:

$75,146

Patient Responsibility:

$6,250

(waived on Hospital Admission)

With Our Accident Protector Plan, Your responsibility could be as little as $250!
Motor Vehicle Accident - Multiple Fr actures1
Total Charges:
PPO Network Discount:
Remaining Charges:

Patient Deductible:

Plan Pays:

Patient Responsibility:

$85,281
($29,848)
$55,433

Total Charges:
PPO Network Discount:
Remaining Charges:

$85,281
($29,848)
$55,433

$6,250

Patient Deductible:
Patient Coinsurance:
Emergency Room Access Fee
Lab & Diagnostic Testing Access Fee

$3,000
$4,000
Waived
$250.00

Plan Pays:

$48,183

$49,183
$6,250

(waived on Hospital Admission)

With Our Accident Protector Plan, Your responsibility could be as little as $250!
Snow Skiing - Broken Collar Bone1
Total Charges:
PPO Network Discount:
Remaining Charges:

Patient Deductible:

Plan Pays:

Patient Responsibility:

$63,112
($22,089)
$41,023

Total Charges:
PPO Network Discount:
Remaining Charges:

$63,112
($22,089)
$41,023

$6,250

Patient Deductible:
Patient Coinsurance:
Emergency Room Access Fee
Lab & Diagnostic Testing Access Fee

$3,000
$4,000
Waived
$250.00

Plan Pays:

$33,773

$34,773
$6,250

(waived on Hospital Admission)

With Our Accident Protector Plan, Your responsibility could be as little as $250!
Figures shown are for a SecureAdvantage Accident Plan with a $3,000 deductible and 80-20% coinsurance to $4,000 and a Bronze essential health benefits plan with a $6,250
deductible. Individual results may vary based on the level of coverage selected, provider charges, PPO network discounts, geographic location and any applicable covered healthcare
services. Exclusions and limitations may apply.

12

Dental

Critical Illness Excess Accident Term Life Disability

SecureDental*
Dental Insur ance

Everyone Deserves A Healthy Smile

SecureDental Offers 3 Plans:
Premium Plan*

Deductibles: $50 for an Individual; $150 for a Family; Additional Orthodontic Deductible $150 per Insured
Covers Preventive Care, Basic Care, Major Care & Orthodontic Care
Calendar Year Maximum Per Insured $1,500; Orthodontic Calendar Year Maximum Per Insured $400

Saver Plus Plan*

Deductibles: $50 for an Individual; $150 for a Family

Covers Preventive Care, Basic Care & Major Care, with Orthodontic Care Services discounted at
participating providers.
Calendar Year Maximum Per Insured $1,000

Saver Plan*

Deductibles: $50 for an Individual; $150 for a Family

Covers Preventive Care & Basic Care, with Major Care & Orthodontic Care Services discounted at
participating providers.
Calendar Year Maximum Per Insured $500

Preventive Care
Benefits include:
Initial & Periodic oral examinations*
Intraoral X-rays, with/without bitewings*
Prophylaxis (cleaning of the teeth) with/without oral examination*
... and more

Basic Care
Benefits include:
Amalgam, silicate cement, acrylic or plastic fillings
Simple tooth Extractions
Oral Surgery
... and more

Major Care
(Covered on Premier Plan & Saver Plus Plans. For Saver Plan, Insured(s) receive discounted services at participating providers for Major Care.)
Benefits include:
Single Crown restorations
Dentures, including fixed or removable prosthetic devices, complete Dentures, upper & lower
Root Canal Therapy, including treatment plan & followup care
... and more

Orthodontic Care
(Covered on Premier Plan. For Saver Plus Plan & Saver Plans, Insured(s) receive discounted services at participating providers for Orthodontic Care.)
Benefits include:
Comprehensive Orthodontic Treatment of the adult dentition
Comprehensive Orthodontic Treatment of the adolescent dentition
Orthodontic retention (removal of appliances, construction & placement of retainer(s))
... and more

See Brochure for a complete listing of SecureDental Benefits

Not available in all states. Limitations, Waiting Periods and Exclusions apply. SecureDental has a separate brochure. If interested in this coverage, please
see the SecureDental brochure and Certificate for complete details.

13

Dental

Critical Illness

Excess Accident Term Life Disability

MedGuard
Critical Illness Insur ance

Filling The Gap Between Health Cover age And Life Insur ance

FACTS:
Men have a 1-in-2 lifetime risk of getting cancer. Women have a 1-in-3 lifetime risk.1
There are 9.6 million cancer survivors in the U.S.2
1.4 million heart attacks occur each year thats one every 33 seconds!3
There are 14 million heart attack survivors in the U.S.3
About 700,000 Americans will have a stroke this year thats one every 45 seconds!3
Surveillance, Epidemiology and End Results (SEER) Program, National Cancer Institute.
American Cancer Society, Cancer Facts & Figures
3
American Heart Association, Heart Disease and Stroke Statistics
1
2

Critical Illness Condition/Surgery

Benefit

Life Threatening Cancer

100% of the Total Benefit Amount

Heart Attack

100% of the Total Benefit Amount

Stroke

100% of the Total Benefit Amount

Kidney Failure

100% of the Total Benefit Amount

Major Organ Transplant

100% of the Total Benefit Amount

Permanent Paralysis

100% of the Total Benefit Amount

Terminal Illness

100% of the Total Benefit amount

Aorta Graft Surgery

25% of the Total Benefit Amount

Coronary Artery Bypass Surgery

25% of the Total Benefit Amount

Heart Valve Surgery

25% of the Total Benefit Amount

Coronary Angioplasty

10% of the Total Benefit Amount

Death Benefit - Primary Insured/Spouse

Death Benefit - Dependent Child

Based on selected monthly premium

Limited up to $15,000 and will not exceed
50% of Primary Insureds coverage
or exceed Spouses coverage

1st through 90th day Total Benefit Amount for any Life Threatening Cancer

$500

1st through 30th day Total Benefit Amount other than Life Threatening Cancer

$500

Benefits are reduced by 50% at age 65.

Benefits are reduced by the amount of the Critical Illness Benefit paid.

14

Dental

Critical Illness

Excess Accident Term Life Disability

Why MedGuard?
Health coverage provides benefits for medical treatment but doesnt
include benefits for non-medical expenses. Traditional life insurance
pays benefits after death. What if You survive a critical illness? Where
will You find the financial resources to cover non-medical costs during
Your recovery?
Fill in the gap between Your Sickness Plans Calendar Year Deductible,
Access Fees, and out-of-pocket Coinsurance expenses!

If You are diagnosed with a covered condition, MedGuard will give You a lump-sum cash payment!

You can use the cash for any purpose You deem necessary, such as helping to:
Protect Your assets from being spent on recovery Pay COBRA or other insurance premiums
Replace lost income for You and Your

Pay home healthcare expenses

caregiving spouse

Pay Your taxes

Pay travel and temporary housing expenses
for You and Your Family while receiving care
away from home

Pay Your mortgage or other obligations

Pay tuition expenses if You need to return to Pay for childcare

school

Pay out-of-pocket or medical expenses not

Reduce Your debt

Finance or protect Your childrens

college tuition

Maintain Your Familys lifestyle

Maintain Your business during recovery

covered by insurance

Pay for experimental treatment

EASY Monthly Premium Options

MedGuard is a money purchase plan with the following premium payment options
available through monthly bank draft:

$20

$55

$25
$60

$30

$65

$90

$35

$70
$95

$40

$75

$100

$45

$80

$50
$85

The benefit amount You receive can help You focus on recovering
instead of worrying where You will find the money to pay Your bills.

Not available in all states. Limitations and Exclusions apply. The MedGuard Plan has a separate brochure.
If interested in this coverage, please see the MedGuard brochure and Certificate for complete details.

15

Dental Critical Illness

Excess Accident

Term Life Disability

Accident Protector
Supplemental Excess Accident Insur ance

Extr a Cover age for Lifes Unpredictable Mishaps

FACTS:
In 2010, nonfatal injuries cost society more than $471 billion in
productivity losses and over $111 billion in medical costs.1
More than 29 million people are treated in emergency rooms for
injuries each year.2
Each year, nearly 9.2 million children aged 0 to 19 years are seen
in emergency rooms for injuries.3
More than 2.8 million people hospitalized with injuries each year.4
Finkelstein E, Corso PS, Miller TR. The incidence and economic burden of injuries in the United States. New York, NY: Oxford University Press.
NCIPC: Web-based Injury Statistics Query and Reporting System (WISQARS)
3
Centers for Disease Control and Prevention Safe Kids Fact sheet
4
NCHS. National hospital discharge survey: National health statistics reports, no. 29. Atlanta, GA; 2010.
1
2

Americas Choice Accident Protector provides extra coverage to help Fill in the gap between Your Accident
Plans Calendar Year Deductible, Access Fees, and out-of-pocket Coinsurance expenses!

Excess Medical Expense Coverages:*

Medically Necessary Treatment by a Physician

Hospital Room & Board

Medically Necessary Treatment by a Nurse

Ambulance

Diagnostic Tests & X-Rays

Outpatient Surgery

Oxygen

Blood & Blood Plasma

Rental of Durable Medical Equipment for a Covered Accident or Injury Casts, Splints & Crutches
Prescription Drugs & Compounded Prescription Drugs

Over-the-Counter Drugs

Medically Necessary Treatment by a Dentist

Dental Work to Sound Natural Teeth

*Benefits are subject to Your Excess Medical Expense Deductible per Accident per Insured.

16

Dental Critical Illness

Excess Accident

Term Life Disability

Accidental Death and Dismemberment1

Unintentional Injuries continue to be the fifth leading cause of death in America. With Accident Protector, if an Insureds
Injury results in a loss, We will pay You up to 100% of the AD&D maximum2 based on this schedule:

Covered Losses:
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of
Loss of

Life
Limbs (two or more)
Speech & Loss of Hearing (both ears)
Sight (both eyes)
Limb (one)
Speech
Hearing (both ears)
Sight (one eye)
Hand (one)
Foot (one)
Hearing (one ear)
Thumb & Index Finger (same hand)

AD&D
Maximums2
100%
100%
100%
100%
50%
50%
50%
50%
50%
50%
25%
25%

Utilize Accident Protector

to provide You with a
financial advantage:
99
Provides lump sum payouts
if Your Injury is due to an
accident and results in a loss.
99
Helps cover the cost of
deductibles, co-pays, and
other expenses not covered
by insurance.

Emergency Air Ambulance

Many accidents require emergency transportation to a Hospital or other facility. You can rest easy knowing weve got You
covered regardless of the Excess Medical Expense Coverage selected.
Up to $4,000 per Accident per Insured
Your coverage includes the amount of Emergency Air Ambulance expense up to the maximum of $4,000 per Accident
per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an
Emergency within 90 days from the date of Injury sustained in an Accident.

We give You the option to select coverage that fits Your budget and needs. Choose Your coverage amount
from the list below:

Coverage Selections & Deductible

$2,500 per Insured with $100 deductible

$5,000 per Insured with $250 deductible

$7,500 per Insured with $250 deductible

$10,000 per Insured with $500 deductible

$12,500 per Insured with $500 deductible

$15,000 per Insured with $500 deductible

When it Comes to Accidents

You Cant Be Too Careful.
Benefits reduce by 50% on the 65th birthday of the Primary Insured and the spouse of the Primary Insured.
AD&D Maximum equal to Excess Medical Expense Coverage Maximum Benefit selected.
Not available in all states. Limitations and Exclusions apply. The Accident Protector Plan has a separate brochure.
If interested in this coverage, please see the Accident Protector brochure and Certificate for complete details.
1
2

17

Dental Critical Illness Excess Accident

Term Life

Disability

LifeProtector
Renewable Ter m Life Insur ance

Provide Peace of Mind for Your Loved Ones

Odds of dying as a consequence of heart disease 1 in 51
Odds of dying as a consequence of cancer 1 in 71
Total odds of dying, any cause 1 in 1 (100%)1
National Safety Council

Most Americans need life insurance, and many who

already have it may need to update their coverage.
LifeProtector is the Right Choice!
Providing peace of mind for Your family is essential. If something unforeseen were to happen to You,
would Your family be taken care of financially? With Americas Choice LifeProtector, You can help
provide the financial security Your family needs and deserves.

Advantages of Americas Choice LifeProtector

Convenient

LifeProtector is a great option to add to Your comprehensive portfolio.

Pure and Simple

Provides protection to help with obligations like mortgage, car payment, childcare or educational expenses and other obligations.

Peace of Mind

Provides protection in the event of unforeseen death.

Not Taxable to Beneficiaries

Provides valuable life insurance benefits that in most instances are free from income tax for the
beneficiary.

Economical

With premium payment options from $10 to $50, all in $5 increments, its easy to find an
economical solution to Your life insurance needs.

$10

$35

$15
$40

$20

$45

$25
$50

$30

Not available in all states. Limitations and Exclusions apply. The LifeProtector Plan has a separate brochure.
If interested in this coverage, please see the LifeProtector brochure and Policy for complete details.

18

Dental Critical Illness Excess Accident Term Life

Disability

IncomeProtector
Short Ter m Accident Disability Insur ance

Protect against the unexpected

How Long Could You Survive

Financially Without a Paycheck?
49% of workers would have difficulty supporting themselves within one month
of becoming disabled.1
In the U.S., a disabling injury occurs every second.2
The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009
National Safety Council, Injury Facts 2010 Ed.

1
2

If You become disabled due to a covered accident, IncomeProtector can help pay Your bills for up to 12 months.
This means You can spend more time on Your recovery and less time worrying about how You will pay Your bills.

Protect Your Income

Easy


Steps!

Choose Your
Elimination
Period
Not available in all states. Limitations and Exclusions
apply. The IncomeProtector Plan has a separate
brochure. If interested in this coverage, please see the
IncomeProtector brochure and Certificate for complete
details.

14 Days
30 Days

Choose Your
Monthly Total
Disability
Benefits

$500
$1,000
$1,500

Choose Your
Maximum
Period for
Benefit
Payments

3 months
6 months
12 months

19

Sickness Accident

Sickness Accident
A dditional Features

A nnual Increase in Lifetime M aximum

The Sickness Plan and the Accident Plan each provide a $250,000 increase
in the amount of their applicable Lifetime Certificate Maximum Per Insured on
each anniversary of the Issue Date when the amount of billed charges submitted
to Us under the applicable plan in the prior year for all Insureds on that plan
is less than the amount of Your Calendar Year Deductible for that plan. A
$125,000 increase in the Lifetime Maximum Per Insured is provided under the
Sickness Plan and the Accident Plan if the amount of billed charges submitted
under the applicable plan is less than twice the amount of the Calendar Year
Deductible. The total amount of benefit increases in the Lifetime Certificate
Maximum Per Insured under each plan is $2 million.1

Premium R ate A djustments

We will not raise Your premium rates on the Sickness Plan or the Accident
Plan on an individual basis due to Your personal claims experience under the
applicable plan. We may raise Your premium rates on Your Renewal Premium
Class for all Certificates under the applicable plan in Your state. Renewal
Premiums under the applicable plan are calculated based on a variety of
factors, some of which are: plan of coverage, age, sex, place of residence,
number of dependents, change in network or negotiated discounts, past claims
experience of Your Renewal Premium Class, inflationary trends, anticipated
advances in medical diagnosis, delivery and treatment and other reasons
permitted by state law. Rates for individuals of the same sex and age may
vary by Issue Date. Insureds are always free to request and apply for new
underwritten coverage on this or other available plans.1

A dditional Deductible for Failure

to

Pre-Certify

Certain procedures that You or Your Provider do not pre-certify with Us under
the Sickness Plan or the Accident Plan are subject to the $500 Failure to
Pre-Certify Treatment Deductible under the applicable plan.1

Termination and R enewability

Coverage is guaranteed renewable under the Sickness Plan and the Accident
Plan except when:
You are no longer an eligible individual; the Group Policy for such plan is
terminated by the Group Policyholder; premium was due and not paid; You
terminate coverage for such plan by notifying Us of the date You desire
coverage to terminate for such plan and specify the Insured whose coverage
is to terminate; We are required by the order of an appropriate regulatory
authority to non-renew or cancel the Certificate or Group Policy for such plan;
We cease offering and renewing coverage of the same form of coverage
as the Certificate for such plan in Your state as described in Termination of
Coverage for such plan; the total amount of any Benefit payments made by
Us are equal to the lifetime maximum for such plan; or the date We receive
due proof that fraud or intentional misrepresentation of material fact existed
in applying for the Certificate for such plan or in filing a claim for Benefits
under the Certificate.1

See the applicable Sickness Plan or Accident Plan Certificate of coverage for details.

20

Sickness Accident
LIMITATIONS-WAITING PERIODS SICKNESS PLAN
Coverage under the Certificate is limited as provided by the definitions, limitations, exclusions, and terms contained in each and every Section of
the Certificate, as well as the following limitations and waiting periods:
Any treatment, medical service, surgery, medication, equipment, claim, loss or expense received, purchased, leased or otherwise incurred as a result of
an Insureds Pre-existing Condition is not covered under the Certificate unless such treatment, medical service, surgery, medication, equipment, claim,
loss or expense constitutes Covered Expenses incurred by such Insured more than twelve (12) months after the Issue Date, and such treatment, medical
service, surgery, medication, equipment, claim, loss or expense are not otherwise limited or excluded by the Certificate or any riders, endorsements, or
amendments attached to the Certificate;
Pre-existing Condition means a condition, whether physical or mental, and regardless of the cause for which medical advice, diagnosis, care or treatment
was recommended or received during the twelve (12) month period immediately preceding the effective date of coverage under the Certificate for the
Insured incurring the expense;
Any Specified Disease loss or expense which is incurred before the expiration of six (6) months from the Issue Date which results from the diagnosis, care
or treatment of hernia, hemorrhoids, varicose veins, tonsils and/or adenoids, or otitis media shall be limited under the Certificate to $500 provided that
(i) such loss or expenses constitutes Covered Expenses incurred by an Insured after the Issue Date, (ii) such Specified Diseases are not otherwise limited or
excluded by the Certificate or any riders, endorsements, or amendments attached to the Certificate,(iii) care for such Specified Disease is Provided on
an Emergency basis, and such Specified Disease is not a Pre-existing Condition;
If as the result of an Emergency treatment of a Specified Disease services are rendered for an Insured by a Non-Participating Provider when a Participating
Provider was not reasonably available in connection with either: (i) on an Outpatient basis in the emergency room of a Hospital, or (ii) an Emergency
Inpatient admission to a Hospital, then the Covered Expenses incurred will be reimbursed by Us as if such Non-Participating Provider were a Participating
Provider up to the point when the Insured can be safely transferred to a Participating Provider. If the Insured refuses or is unwilling to be transferred
to the care of a Participating Provider after such Insured can be safely transferred, then reimbursement shall thereafter be reduced to the Companys
Insurance Percentage for Non-Participating Providers; and
Specified Disease Benefits under the Certificate for any Insured who is eligible for or has coverage under Medicare, and/or amendments thereto, shall be
limited to only the Usual and Customary charges for services, supplies, care or treatment covered under the Certificate that are not payable or reimbursable
by Medicare and/or its amendments, subject to all provisions, limitations, exclusions, reductions and maximum benefits set forth in the Certificate.

LIMITATIONS-WAITING PERIODS ACCIDENT PLAN

Coverage under the Certificate is limited as provided by the definitions, limitations, exclusions, and terms contained in each and every Section of
the Certificate, as well as the following limitations and waiting periods:
If as the result of an Emergency treatment of an Accidental Bodily Injury services are rendered for an Insured by a Non-Participating Provider when a
Participating Provider was not reasonably available in connection with either: (i) on an Outpatient basis in the emergency room of a Hospital, or (ii) an
Emergency Inpatient admission to a Hospital, then the Covered Expenses incurred will be reimbursed by Us as if such Non-Participating Provider were a
Participating Provider up to the point when the Insured can be safely transferred to a Participating Provider. If the Insured refuses or is unwilling to be
transferred to the care of a Participating Provider after such Insured can be safely transferred, then reimbursement shall thereafter be reduced to the
Companys Insurance Percentage for Non-Participating Providers; and
Accidental Bodily Injury Benefits under the Certificate for any Insured who is eligible for or has coverage under Medicare, and/or amendments thereto,
shall be limited to only the Usual and Customary charges for services, supplies, care or treatment covered under the Certificate that are not payable or
reimbursable by Medicare and/or its amendments, subject to all provisions, limitations, exclusions, reductions and maximum benefits set forth in the Certificate.
NON-COVERED ITEMS AT A GLANCE SICKNESS PLAN AND ACCIDENT PLAN
any cost item, charge or expense which does not constitute Covered Expenses; any medical care, service, treatments, procedures, or supplies received,
provided to, or incurred by an Insured for which the Insured and/or any
medical care, service, treatments, procedures, or supplies received, provided
covered family members are not legally liable for payment;
to, or incurred by an Insured before the Certificate Issue Date;

any medical care, service, treatments, procedures, or supplies received,
medical care, service, treatments, procedures, or supplies received, provided
provided to, or incurred by an Insured for which the Insured and/or any
to, or incurred by an Insured after an Insureds coverage under the Certificate
covered family members were once legally liable for payment, but from
terminates, regardless of when the sickness or disease occurred;
which liability the Insured and/or family members were forgiven and released
any medical care, service, treatments, procedures, or supplies received,
by the applicable Provider without payment or promise of payment;
provided to, or incurred by an Insured, which exceed the Lifetime Certificate

any medical care, service, treatments, procedures, or supplies received,
Maximum Per Insured;
provided to, or incurred by an Insured from any state or federal government
any medical care, service, treatments, procedures, or supplies received,
agency, including the Veterans Administration unless, by law, an Insured
provided to, or incurred by an Insured which exceed the Lifetime Transplant
must pay for such services;
Maximum Per Insured for all Solid Organ Transplants, Bone Marrow

any medical care, service, treatments, procedures, or supplies received,
Transplants, and Stem Cell Transplants received by each Insured including
provided to, or incurred by an Insured as a result of experimental procedures
any applicable expense for professional fees and facility fee incurred in
or treatment methods not approved by the American Medical Association
connection with harvesting the applicable donor organ or donor bone
or other appropriate medical society;
marrow for the purposes of such transplantation;
any services Provided by You or a Provider who is a member of an Insured's
any Prescription Drugs;
family;
any medical care, service, treatments, procedures, or supplies received,

any medical condition excluded by name or specific description by either
provided to, or incurred by an Insured and contained on a billing statement
the Certificate or any riders, endorsements, or amendments attached to
to the Insured which exceeds the amount of the Maximum Allowable Charge;
the Certificate;
any medical care, service, treatments, procedures, or supplies received,
provided to, or incurred by an Insured, which You or Your covered family any treatment, care, procedures, services or supplies incurred for the
diagnosis, care or treatment of Mental, Nervous and Emotional Disorders;
members are not required to pay;

Sickness Accident

21

Sickness Accident
NON-COVERED ITEMS AT A GLANCE SICKNESS PLAN AND ACCIDENT PLAN cont'd
any treatment, care, procedures, services or supplies incurred for the any spinal manipulations;
diagnosis, care or treatment of Alcoholism, addiction to illegal drugs or any treatment, care, procedures, services or supplies of Temporomandibular
substances, and/or abuse or illegal drugs or substances;
Joint Disorder (TMJ) and Craniomandibular Disorder (CMD);
any treatment care, procedures, services or supplies incurred for the any treatment received outside of the United States, except as provided
diagnosis, care or treatment of cirrhosis of the liver;
for in the EXTRATERRITORIAL MEDICAL EXPENSES provision; and
any intentional misuse or abuse of Prescription Drugs, including Prescription any services or supplies for personal convenience, including custodial care
Drugs purchased by an Insured for consumption by someone other than
or homemaker services, except as provided for in the Certificate.
such Insured;
ADDITIONAL NON-COVERED ITEMS AT A GLANCE
any accidental bodily injury suffered by an Insured;
any disease, ailment, illness or sickness that is not a Specified Disease;
any eyeglasses, contact lenses, radial keratotomy, lasik surgery, hearing
aids and exams for their prescription or fitting;
any Cochlear implants;
any voluntary abortions, abortifacients or any other drug or device that
terminates a pregnancy;
any treatment, care, procedures, services or supplies incurred by an
Insured which were caused or contributed to by such Insured's being
intoxicated 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;
any cosmetic surgery or reconstructive procedures, except for Medically
Necessary cosmetic surgery or reconstructive procedures performed under
the following circumstances: (i) where such cosmetic surgery is incidental to
or following surgery resulting from Bacterial Infection or Viral Infection; (ii)
to correct a normal bodily function in connection with the treatment of a
covered Specified Disease; or (iii) such cosmetic surgery constitutes Breast
Reconstruction that is incident to a Mastectomy; provided any of the above
occurred while the Insured was covered under the Certificate;
any treatment, care, procedures, services or supplies for breast reduction
or augmentation or complications arising from these procedures;
any treatment, care, procedures, services or supplies for voluntary sterilization,
reversal or attempted reversal of a previous elective attempt to induce or

SICKNESS PLAN
facilitate sterilization;
any treatment, care, procedures, services or supplies for treatment of
infertility, including fertility hormone therapy and/or fertility devices for any
type fertility therapy, artificial insemination or any other direct conception;
any treatment, care, procedures, services or supplies for 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;
any treatment, care, procedures, services or supplies for 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;
any treatment, care, procedures, services or supplies (including Prescriptions)
incurred for the diagnosis, care or treatment of Attention Deficit Disorder
(ADD) or Attention Deficit Hyperactivity Disorder (ADHD);
any treatment, care, procedures, services or supplies incurred for the
diagnosis, care or treatment of autism;
any treatment, care, procedures, services or supplies incurred for the
diagnosis, care or treatment of routine maternity or any other expenses
related to normal labor and delivery, including routine nursery charges
and well-baby care; and
any contraceptives, oral or otherwise, whether medication or device,
regardless of intended use.

ADDITIONAL NON-COVERED ITEMS AT A GLANCE

any damage or harm to the physical structure of the body of an Insured
received as a result of any act of war (whether declared or undeclared);
any damage or harm to the physical structure of the body of an Insured
that was intentionally self inflicted;
any damage or harm to the physical structure of the body of an Insured
caused by suicide or any suicide attempt while sane or insane;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is serving on active duty in the armed forces
of the United States (including the active Reserves) or the National Guard;
any medical care, service, treatments, procedures, or supplies received,
provided to, or incurred by an Insured from any state or Federal government
agency, including the Veterans Administration for a Bodily Injury, unless
the Insured must pay for such services by law;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is serving on active duty in one of the branches
of the armed forces of any foreign country or any international authority;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is engaged in an illegal occupation or attempting
to commit assault or illegal activity;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is resisting arrest by a law enforcement officer,
or otherwise resisting incarceration by a municipality, or other political
subdivision of a state, a state or the federal government;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is incarcerated in a city or county jail or a state
or federal penal institution;

ACCIDENT PLAN
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is engaged in hang gliding, paragliding, hot
air ballooning or any other form of aviation, except as a fare paying
passenger traveling on a regularly scheduled commercial airline flight;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is participating, as a professional contestant,
in any boxing, martial arts or mixed martial arts event, including the
sanctioned practice thereof;
any damage or harm to the physical structure of the body of an Insured while
the Insured is participating, as driver or passenger contestant (professional
or amateur), in any race competition, race, or speed contest, including
sanctioned practice thereof, involving any land vehicle or water craft;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is participating, as a professional contestant, in
any race competition, race or speed contest, including sanctioned practice
thereof, on snow skis or a snowboard;
any damage or harm to the physical structure of the body of an Insured
occurring while the Insured is intoxicated or under the influence of alcohol
or any drug, narcotic or hallucinogens unless administered via a prescription
and on the advice of a Provider, and taken in accordance with the limits
of such advice. An Insured is conclusively determined to be intoxicated by
drug or alcohol if: (i) a chemical test administered in the jurisdiction where
either the Accident occurred or the Insured was medically treated is at or
above the legal limit set by that jurisdiction; or (ii) the level of alcohol was
such that a persons coordination, ability to reason, was impaired, regardless
of the legal limit set by that jurisdiction;

22

Sickness Accident
ADDITIONAL NON-COVERED ITEMS AT A GLANCE
any damage or harm to the physical structure of the body of an Insured
occurring during any surgical procedure or operation performed in the
treatment of any disease, illness, sickness or ailment;
any damage or harm to the physical structure of the body of an Insured
occurring as a result of the intentional inhalation or ingestion of any poison,
gas or fumes;
any damage or harm to the physical structure of the body of an Insured
occurring as a result of the operation by an Insured of any motor vehicle
without the permission/consent of the owner of such vehicle;
any damage or harm to the physical structure of the body of an Insured
occurring as a result of the operation by an Insured of any motor vehicle
without a valid operators license/permit;
any damage or harm to the physical structure of the body of an Insured
that did not occur Accidentally;
any disease, illness, ailment or sickness of any type or character suffered
or sustained by an Insured;
any damage or harm to the physical structure of the body of an Insured
received as a result of any voluntary abortions, abortifacients or any other
drug or device that terminates a pregnancy;
cosmetic surgery or reconstructive procedures, except for Medically
Necessary cosmetic surgery or reconstructive procedures performed under

ACCIDENT PLAN cont'd

the following circumstances: (i) where such cosmetic surgery is incidental to
or following surgery in treatment of a Bodily Injury; (ii) to correct a normal
bodily function in connection with the treatment of a covered Bodily Injury;
or (iii) such cosmetic surgery constitutes Breast Reconstruction that is incident
to a Mastectomy performed in treatment of a Bodily Injury; provided any
of the above occurred while the Insured was covered under the Certificate;
any damage or harm to the physical structure of the body of an Insured
received as a result of any voluntary or elective surgical procedure, including
breast reduction or augmentation or other cosmetic procedure;
any damage or harm to the physical structure of the body of an Insured
received as a result of any voluntary sterilization procedure or sterilization
reversal procedure;
any damage or harm to the physical structure of the body of an Insured
received as a result of any treatment of infertility, including fertility hormone
therapy and/or fertility devices for any type fertility therapy, artificial
insemination or any other direct conception; and
any damage or harm to the physical structure of the body of an Insured
received as a result of any for 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.

ACA Individual Mandate & 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 individuals household income each year. The ACAs 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. specified disease
or illness plans, accident plans, and dental 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 ACAs annual shared
responsibility payment," even if covered under the SecureAdvantage 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, the federal governments website.

Sickness Accident

23

For information contact:

Insurance coverage underwritten by:

Freedom Life Insurance Company of America
A member company of USHEALTH Group
P.O. Box 1719 Fort Worth, TX 76101 1-800-387-9027
The information shown here and in any accompanying
literature is a brief description only and does not contain
the full specifications, limits, and exclusions applicable
to the coverage. Important limitations, reductions, and
exclusions will apply. The Certificate sets forth, in detail,
the rights and obligations of both You and the insurance
company, and only the Certificate defines and controls
the rights and obligations of the parties. It is, therefore
important that You READ THE CERTIFICATE CAREFULLY!

This brochure and the SecureAdvantage Sickness and Accident plans are fully protected under United States copyright laws. Copyright infringement
is a violation of federal law subject to criminal and civil penalties. No part of this publication may be reproduced, adapted, translated, stored
in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior
written permission of the publisher. Any use of these materials, including reproduction, modification, distribution or republication without the prior
written consent of USHEALTH Group, Inc. is strictly prohibited. USHEALTH Group, Inc. will protect its legal rights to the fullest extent possible.
2014 USHEALTH Group, Inc. - All Rights Reserved.

Group Policy: GRP-P-13-FLIC

The underwriting insurance company in Your state has agreed to perform or cause to be performed certain
monthly administrative services on behalf of the association including the collection of certain enrollment fees and
monthly membership dues on behalf of the association, and transmission to the association of monthly membership
census data. The underwriting insurance company in Your state is paid a monthly fee by the association for these
administrative services.