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Med Sense Guaranteed Association Offers True Discounts to the Health Essential Plan!
Limited Benefit Medical Insurance Benefits are Underwritten by United States Fire Insurance Company, part of Crum & Forster Group, Rated "A" by A.M. Best
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Limited Benefit Medical Insurance Benefits |
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Policy Limits
Maximum Yearly Limit
Lifetime Maximum
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N/A
$1,000,000
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N/A
$1,000,000
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N/A
$1,000,000 |
N/A
$1,000,000 |
Waiting Periods
Accidental Injuries
Sickness
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None
30 Days
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None
30 Days
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None
30 Days
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None
30 Days
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Pre-existing conditions
Applies to hospital semi-private room, Hospital ICU/CCU, surgery and anesthesia
benefits only. Conditions existing up to 12 months prior to effective date of coverage are not covered for 12 months following effective date of coverage.
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12/12
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12/12
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12/12
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12/12
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Hospital Indemnity
Maximum Amount Per Day
Maximum Stays
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$500
31 Days
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$750
31 Days
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$1000
31 Days
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$1500
31 Days
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Surgery
Inpatient
One(1) allowable Surgery Per Policy Period
Outpatient
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$1,000
$1,000 |
$1,500
$750
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$3,000
$1,500
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$10,000
$10,000
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Anesthesia
Inpatient
Outpatient
Maximum Per Year |
N/A
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$225
$150
1 |
$450
$200
1 |
15% of surgery to max of
$1500
$200
1 |
Doctor Office Visits(Injury or Illness)
Maximum Per Visit
Maximum Visits Per Policy Year
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$25
5 |
$50
5 |
$50
5 |
$75
5 |
Doctor Office Visits(Wellness)
Maximum Per Visit
Maximum Visits Per Policy Year
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N/A |
$50
1 |
$50
1 |
$75
1 |
Diagnostics X-rays, Labs
Maximum Per Visit
Maximum Visits Per Policy Year
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N/A |
$50
5 |
$50
5 |
$75
5 |
Emergency Room Visits
Maximum Per Visit
Maximum Visits Per Policy Year |
$50
1 |
$50
1 |
$50
1 |
$50
1 |
Ambulance
Maximum Per Visit
Maximum Visits Per Policy Year |
$50
1 |
$50
1 |
$50
1 |
$50
1 |
Accidental Injury
Maximum Benefit Amount Per Injury
Maximum Number of Injuries Per Year
Deductible per Accident |
$2,000
2
$100 |
$2,000
2
$100 |
$2,000
2
$100 |
$2,000
2
$100 |
Accidental Death and Dismemberment
Principal Amount
Covered Spouse
Covered Dependent |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
$10,000
$5,000
$2,500 |
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Med Sense Guaranteed Association Membership Benefits |
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Emergency Medical Information Card
Wallet size card provides personal medical information in case of emergency. |
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Global Fit Fitness Program
To help improve member health and well-being you and your family can take advantage of discounts at 1,500 top fitness clubs nationwide.
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Vitamin Discount
Nutritional R&D provides a complete line of quality vitamins, nutritional supplements, herbal remedies and health food products at discount prices.
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GymAmerican.com
You and your family receive special pricing on the all-in-one interactive toolkit for a personalized diet and exercise program designed specifically for you.
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Car Rental Discounts
Take advantage of affordable auto rental rates from Alamo, Avis, Hertz and National. |
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