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处方药覆盖

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短期医疗计划药房和药品覆盖信息

短期医疗计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注意:没有邮购续费和90天处方的供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。


长期健康计划药房和药品覆盖信息

长期健康计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注意:没有邮购续费和90天处方的供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。



了解更多关于牛津健康保险ACA计划

由牛津健康保险公司(Oxford Health Insurance)承保的《平价医疗法案》(Affordable Care Act)计划也适用于新泽西州。

牛津健康保险计划计划药房和药品覆盖信息

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注意:没有邮购续费和90天处方的供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

注意:药品价格可能会发生变化,并不是由联合医疗保健或牛津健康保险公司决定的。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。

短期医疗计划药房和药品覆盖信息

短期医疗计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注:没有邮购续费和90天处方供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。


HtmlRenderer转储的资源

资源路径:/内容/ uhone / en /资源/ prescription-drug-coverage / jcr:内容/根/ responsivegrid /集装箱/ container_733677859 container_copy / 2 _1597848043621

资源元数据:{吊索。modificationTime = 1,吊索。characterEncoding = null,吊索。parameterMap ={},吊索。contentType = null,吊索。creationTime = 1,吊索。contentLength = 1, sling.resolutionPath = /内容/ uhone / en /资源/ prescription-drug-coverage / jcr:内容/根/ responsivegrid /集装箱/ container_733677859 / container_copy / 2 _1597848043621}

资源类型:nt:非结构化

资源超级类型:-

资源属性

jcr: primaryType:nt:非结构化
jcr: mixinTypes:(cq LiveRelationship):
偏移量:0
cq: lastRolledout:java.util.GregorianCalendar[时间= 1629387697234,areFieldsSet = true, areAllFieldsSet = true,宽大= false,区= sun.util.calendar.ZoneInfo [id =“GMT-05:00”,抵消= -18000000,dstSavings = 0, useDaylight = false,转换= 0,lastRule = null], firstDayOfWeek = 1, minimalDaysInFirstWeek = 1,时代= 1年= 2021,月= 7,WEEK_OF_YEAR = 34, WEEK_OF_MONTH = 3, DAY_OF_MONTH = 19日DAY_OF_YEAR =DAY_OF_WEEK = 5, 231年DAY_OF_WEEK_IN_MONTH = 3, AM_PM = 0,小时= 10,HOUR_OF_DAY = 10分钟= 41秒= 37岁的毫秒= 234,ZONE_OFFSET = -18000000, DST_OFFSET = 0)
宽度:3.
cq: lastRolledoutBy:kkent101

HtmlRenderer转储的资源

资源路径:/内容/ uhone / en /资源/ prescription-drug-coverage / jcr:内容/根/ responsivegrid /集装箱/ container_733677859 / container_copy / 4 _1597848069463

资源元数据:{吊索。modificationTime = 1,吊索。characterEncoding = null,吊索。parameterMap ={},吊索。contentType = null,吊索。creationTime = 1,吊索。contentLength = 1, sling.resolutionPath = /内容/ uhone / en /资源/ prescription-drug-coverage / jcr:内容/根/ responsivegrid /集装箱/ container_733677859 container_copy / 4 _1597848069463}

资源类型:nt:非结构化

资源超级类型:-

资源属性

jcr: primaryType:nt:非结构化
jcr: mixinTypes:(cq LiveRelationship):
偏移量:0
cq: lastRolledout:java.util.GregorianCalendar[时间= 1629387697241,areFieldsSet = true, areAllFieldsSet = true,宽大= false,区= sun.util.calendar.ZoneInfo [id =“GMT-05:00”,抵消= -18000000,dstSavings = 0, useDaylight = false,转换= 0,lastRule = null], firstDayOfWeek = 1, minimalDaysInFirstWeek = 1,时代= 1年= 2021,月= 7,WEEK_OF_YEAR = 34, WEEK_OF_MONTH = 3, DAY_OF_MONTH = 19日DAY_OF_YEAR =DAY_OF_WEEK = 5, 231年DAY_OF_WEEK_IN_MONTH = 3, AM_PM = 0,小时= 10,HOUR_OF_DAY = 10分钟= 41秒= 37岁的毫秒= 241,ZONE_OFFSET = -18000000, DST_OFFSET = 0)
宽度:3.
cq: lastRolledoutBy:kkent101

短期医疗计划药房和药品覆盖信息

短期医疗计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注:没有邮购续费和90天处方供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。


TriTerm医疗计划药房和药品覆盖信息

TriTerm医疗计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注:没有邮购续费和90天处方供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。


短期医疗计划药房和药品覆盖信息

短期医疗计划由黄金法则保险公司承保。

我的药费报销了吗?

涵盖的处方费用将根据你的计划有所不同。你可以支付部分费用,或者你的药物可能需要扣除部分和共同保险。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

有些药物需要事先获得批准才有资格获得保险覆盖。这里列出了最常见的药物。

Benlysta这个
Cosentyx
Dupixent
恩利
Gilenya
Harvoni


Ibrance
Imbruvica
Orencia
Pomalyst
Praluent

Repatha
Simponi
Tremfya
Xelianz
Xolair

如果您的药物不在此列,请致电1-800-657-8205。

我在哪里可以按处方配药?

药房网络包括大型全国连锁店和许多地方、社区药房。

注:没有邮购续费和90天处方供应。

我的处方药要花多少钱?

根据你的处方药的层次,你可能欠你的药物的copay或你可能支付共同保险后,满足你的免赔额。药物定价工具可以帮助你比较你附近药店的特定药物的价格。

使用优惠券?在配药时,您可以将保险与制造商优惠券结合使用。只有自付的金额将被记入您的免赔额和/或共同保险自付的最大金额。如果优惠券支付药物的全部费用,您将没有任何适用于您的免赔额和/或共同保险自付最高金额。

注意:药品价格可能会发生变化,不由联合医疗或黄金规则保险公司决定。这些清单可能不包括所有的药物,也不是所有列出的药物都包含在你的计划中。你的健康计划提供的福利计划文件是最准确的来源,可以查看是否涵盖了药物。当处方药被排除在保险范围之外时,您和您的代表可以请求例外,以获得被排除的处方药。如需提出要求,请以书面形式与我们联系,或拨打身份证上的免费电话。我们会在72小时内通知你我们的决定。


Health ProtectorGuard计划药房和药品覆盖信息

Health ProtectorGuard固定赔偿计划由金律保险公司承保。

我的药费报销了吗?

如果您有“选择加号”、“首选”、“选择首选”或“首选加号”计划,该计划包括每个日历年每人一定数量的处方填充的固定福利,但受计划条款、排除条款和限制的限制。这一好处适用于任何fda批准的药物-仿制药或品牌-只要你提交了索赔。

此外,Optum津贴折扣卡包括所有健康保护卫士计划提供fda批准的处方药折扣。它不是保险。这只是一个折扣项目。

我在哪里可以按处方配药?

包括处方药福利的Health ProtectorGuard计划不要求你呆在一个网络内。去美国的任何一家药店,支付你的处方费用,并在提交索赔时附上收据。

Optum津贴折扣卡包括所有计划是在大多数美国药店的荣誉。不同药店的折扣金额不同。如果有特定药店参与,请拨打1-866-407-8901。

我的处方药要花多少钱?

该计划附带Optum津贴折扣卡,可提供高达30-80%的储蓄。Optum Perks卡不是保险;这只是一个折扣项目。

此外,“选择加”、“首选”、“选择加”和“首选加”计划包括每个人每个日历年的固定数量的处方填充的固定福利。该计划包括品牌药和非专利药的利益,共同支付取决于你的计划。

注意:如果你有一个大的医疗计划,你可能需要呆在特定的网络和提供商,以获得该计划的最大覆盖范围。一定要考虑到这一点。

根据药房的常规价格和习惯价格。实际的储蓄可能会有所不同。


www.ambest.com","F82":"UnitedHealthcare Global is part of UnitedHealth Group, Incorporated, a Fortune 10 company. Travel assistance services may be provided by or through UnitedHealth Group entities, and/or the UnitedHealthcare Global brand. SafeTrip Insurance Products are underwritten by U.S. Fire Insurance Company and Crum & Forster Segregated Portfolio Company (SPC), which are not related to UnitedHealth Group, Incorporated or the UnitedHealthcare family of companies.","F83":"UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company is the underwriter and Dental Benefit Providers, Inc. is the administrator of these dental plans.","F84":"Personal insurance is not the same as COBRA, so review your COBRA information carefully.","F85":"A terminated employee may be eligible for continuation of coverage under federal or state law. Check with your former employer.","F86":"Bureau of Labor and Statistics, “Labor Statistics from the Current Population Survey,” 2014.","F3":"2014 Website Functionality Benchmark: US Health Insurance Plan Public Sites, Forrester Research, March 2015.","F4":"The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms.This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.","F5":"Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.","F6":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F7":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Products vary by state. 7 HealthiestYou is not an insurance product and is provided by Teladoc®.","F8":"Premium effective date on date of viewing. Actual premium may be different based upon the situation at the time of application. Optional benefits require an additional premium cost. Products vary by state. Some Short Term plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F9":"Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.","F87":"Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.","F10":"THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F18":"Benefits vary by plan. Check brochure for details.","F14":"Murphy, Brooke. 21 statistics on high-deductible health plans. Becker’s Hospital CFO. May 19, 2016.","F15":"Benefitfocus. The State of Employee Benefits: Insights and Opportunities Based on Behavioral Data. Large Employer Edition, 2016.","F16":"HSAs are not available solely in conjunction with fixed indemnity insurance plans. You must have a qualifying high-deductible health plan to qualify for an HSA.","F11":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.","F88":"This product provides limited benefits. This is a supplemental to health insurance and is not a substitute for major medical coverage.","F17":"National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from https://www.nidcr.nih.gov/datastatistics/finddatabytopic/dentalcaries/","F12":"Some states excluded.","F19":"Benefits must be assigned to providers to receive reduced rates.","F20":"2015 Comparative Price Report Variation in Medical and Hospital Prices by Country. International Federation of Health Plans. Retrieved from http://www.ifhp.com/","F21":"All products require separate applications. Separate policies or certificates are issued.","F22":"Intensive care or critical care hospitalization benefits are subject to a 31-day maximum per confinement. If more than one surgery occurs during any given day, the highest tiered amount is paid.","F23":"Available after a 6-month waiting period.","F24":"Drug discount card is for prescription discounts only. This is not insurance.","F35":"To enroll in a Medicare Advantage plan, you must first be enrolled in Medicare Part A and B.","F36":"You must continue to pay your Medicare Part B premium.","F26":"This applies only if you choose a Silver plan on the federal Health Insurance Marketplace or your state's marketplace.","F27":"Premiums do not count toward deductibles. Usually copays do not count toward deductibles. Check your plan brochure for more information.","F13":"Underwritten by Golden Rule Insurance Company.","F32":"THESE PRODUCTS PROVIDE LIMITED BENEFITS. THESE ARE SUPPLEMENTS TO HEALTH INSURANCE AND ARE NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. These products provide benefits in a stated amount regardless of the actual expenses incurred.","F33":"Availability varies by state. CO, CT, ID, MI, PA, and TN have Accident ExpenseGuard only.","F34":"Subject to a lifetime maximum.","F89":"CareCredit is offered through Synchrony Bank, who is not an affiliate of UnitedHealthcare and we are not a vendor of Synchrony. By clicking this link to apply for CareCredit you are moving to a 3rd party website. No line of credit is being provided by Golden Rule Insurance Company or by any UnitedHealthcare legal entity.","F2":"Ratings as of 12/18/2020. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.","F1":"UnitedHealth Group Annual Form 10-K for year ended 12/31/20.","F37":"This product provides limited benefits. This coverage provides a Term Life insurance policy with an optional Critical Illness Benefit that pays cash benefits for a qualifying critical illness. Term Life SafeGuard is not major medical or comprehensive health insurance and does not provide the mandated coverage necessary to avoid a penalty under the Affordable Care Act.","F38":"THIS PRODUCT PROVIDES LIMITED BENEFITS. HOSPITAL SAFEGUARD IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. This product provides benefits in a stated amount regardless of the actual expenses incurred.","F39":"Source: American Heart Association, Heart disease and stroke statistics—2016 update: A report from the American Heart Association [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350. http://professional.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_480086.pdf.","F40":"Consult your tax advisor; restrictions may apply.","F41":"Gen Re Research. U.S. Critical Illness Insurance Market Survey Summary, Highlights of 2018/2019 Results. Retrieved from https://www.genre.com/knowledge/publications/surveylhci19-en.html","F42":"Diagnosed more than 90 days after effective date to receive full benefit. Benefit is less if diagnosis occurs between 30-90 days.","F43":"Benefits available once every 12 months.","F44":"Product is medically underwritten.","F45":"Optional benefits require an additional premium cost. Products vary by state.","F46":"Waiting periods may apply.","F47":"American Heart Association. 2020 Heart Disease and Stroke Statistical Update Fact Sheet At-a-Glance. Retrieved from https://www.heart.org/-/media/files/about-us/statistics/2020-heart-disease-and-stroke-ucm_505473.pdf?la=en","F48":"Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other’s contractual or financial obligations.","F49":"Based on pharmacy’s usual and customary price. Actual savings may vary.","F50":"Short-term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until open enrollment period to get other health insurance coverage. This is not Minimal Essential Coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F51":"Premium amount is expected to change for the second and third policy/certificate terms. Some TriTerm Medical Plans available as association group insurance only to members of FACT, an independent association. Additional membership fees may apply.","F52":"These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.","F53":"Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.","F54":"THIS PRODUCT PROVIDES LIMITED BENEFITS. THIS IS AN ACCIDENT POLICY THAT INCLUDES CRITICAL ILLNESS AND ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.","F55":"THIS IS A LIMITED BENEFITS POLICY. IT PAYS FOR BENEFITS FOR CRITICAL ILLNESSES ONLY AND DOES NOT PROVIDE COVERAGE FOR ANY OTHER MEDICAL CONDITIONS. YOU SHOULD MAINTAIN SEPARATE COMPREHENSIVE HEALTH COVERAGE.","F90":"This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year.","F91":"Ingenix, now known as Optum Insight, Inc. (\"Optum Insight\"), is a wholly-owned subsidiary of UnitedHealth Group Incorporated. Under a January 2009 settlement agreement between UnitedHealth Group Incorporated and the New York Attorney General, Ingenix's Databases closed, and United no longer uses any Ingenix Database to pay out-of-network claims."}">

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