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Defined Benefits Health Plan Features
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Lifetime Policy Maximum $5 Million
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Three Calendar year Maximums: $250K, $500K, $1 Million
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Multiple Benefit Levels to Choose from: Value, Preferred, Premier
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Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits
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Guaranteed Renewal to Age 65
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Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K
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Annual Premium Increases 3% or less last 6 years
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Available for Individuals and Groups
Consumer Driven Health Plan Benefits
Benefits featured are based on 2 units of HCP Gold and are available with select plans.
Doctor Visits & Pharmacy Benefit
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Choose your Doctor from All US Licensed Physicians
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Pays $120 for 18 visits per Insured per calendar year, includes 6 chiro. visits - no Deductible or Copay
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Pays $150 for 2 Specialists visits per calendar year
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Generic Drugs $20 per day Brand Name Drugs $40 per day
Preventative Wellness Care Benefit
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Benefit starts 60 days after policy Effective Date
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Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
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Pays Additional $250 for other Preventative Services per calendar year
Surgery Benefit
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Pays for Outpatient & Inpatient Surgeries
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Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
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Pays Surgeons and Anesthesiologists based on RBRVS code (1x, 2x or 3x)
Hospital Inpatient Benefit
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Hospital per day benefit up to $4,500 for Injury and $3,000 for Sickness
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Hospital ICU benefit up to $4,500 per day for 20 days per calendar year
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Optional First Hospital Admission $6,350 Lump Sum - per calendar yr, 24 hr stay required
Accident & Emergency Benefit
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Pays $300 for Urgent or Emergency Care 2 times per year
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Pays up to $4K of Actual Expenses for up to 45 days from the Accident date
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Ambulance air or ground pays up to $10K of Actual Expenses
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Optional Benefit Pays up to $26K of Actual Expenses
Catastrophic Diagnosis Benefit
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Pays Lump Sum Paid upon diagnosis up to $40K per Adult and $10K per child
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Pays up to $250K Additional of Actual Expenses per calendar year
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Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant, Renal Failure