IsaGenix Healthcare Benefits Flyer

7/27/2019 IsaGenix Healthcare Benefits Flyer

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Enjoy the peace o mind that comes

with protection or you and your amily.

Qualied Associates can participate in our aordable

healthcare program that oers medical, dental, vision

and other valuable coverages or you and your amily.

With our limited medical benefts you DONT have

to WORRY about pre-existing conditions or long

waiting periodsYOU WILL BE COVERED!

Eligibility Requirements*

Earn a minimum o $300 in commission in the

six months prior to enrollment.

History o three Autoships with a minimum o

100BV each shipped within the last six months

prior to enrollment.

New members can enroll upon meeting the

criteriano waiting period!

HealthBeneftsProgram

For questions, or how to enroll,

contact a Transtar Benefts

Specialist at 1-866-667-8415*Eligibility requirements may be subject to change.

BeneftsAvailable MedicalHospitalIndemnity(2TierPlanDesigns)IndividualMajor

Medical/PCIP Dental Vision Accident Cancer UniversalLife CriticalIllness 401(k)


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LIMITED MEDICAL INSURANCE

(Choice o 2 PPO plans through TransAmerica):

TRANSSMILE DENTAL:

VISION PLAN THROUGH ADVANTICA VISION: TRANSLEGACY UNIVERSAL LIFE

THROUGH TRANSAMERICA:

Conditional Guaranteed Issue up to $150,000

Builds cash value

Portable

Guaranteed Issue (no underwriting and everyone qualies)

First Dollar Benets (benets pay beore you pay)

Covered Benets Include (calendar year maximums apply):

Ofce Visits

Wellness Visits Diagnostic Services

Surgical Benet (see surgical schedule)

24 hour Teladoc

In-patient/Hospital Stays/Intensive Care

$10,000 Group Term Life Insurance Policy $10 generic Co-Pay Rx card

Critical Illness Benet

Nurses Hotline

Benefts or Isagenix AssociatesOVERVIEW

BASIC

Type 1

Diagnostic & Preventative Services

Type 2

Basic Restorative Services

($500 maximum per person per policy year)

PREFERRED

Type 1

Diagnostic & Preventative Services

Type 2

Basic Restorative Services

Type 3

Major Restorative Services

(12 month waiting period applies)

($1,000 maximum per person per policy year)

Examination 100% Paid once every 12 months

Lenses 100% Paid once every 12 months

Frames 100% Paid once every 24 months

Examination Co-Pay $10

Materials Co-Pay $25

COVERED BENEFITSINCLUDE:

ParticipatingProvider

Non-ParticipatingProvider

Examination 100% Up to $40

Single Vision Lenses 100% Up to $40

Bifocal Lenses 100% Up to $60

Trifocal Lenses 100% Up to $80

Frames 100% Up to $45

Contact Lenses Necessary 100% Up to $225

Contact Lenses - Elective 100% Up to $100

1-866-667-8415

(See reverse side for rates)


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Silver PlanPremium

Platinum PlanPremium

Member Only $ 124.93 $ 206.59

Member/Spouse $ 203.86 $ 354.60

Member/Child(ren) $ 188.30 $ 322.36

Family $ 263.44 $ 464.99

TRANSAMERICA LIMITED MEDICAL

TRANSSMILE DENTAL

Basic PlanPremium

Preerred PlanPremium

Member Only $ 18.89 $ 25.30

Member/Spouse $ 30.97 $ 43.79

Member/Child(ren) $ 37.12 $ 45.77

Family $ 52.58 $ 68.06

ADVANTICA VISION

Premium

Member Only $ 11.93

Member/Spouse $ 18.23

Member/Child(ren) $ 18.86

Family $ 26.37

ACCIDENT INSURANCE

Premium

Member Only $ 25.39

Member/Spouse $ 31.29

Member/Child(ren) $ 31.94

Family $ 31.94

UNIVERSAL LIFE

Non-Smoker/Age* Example

Monthly Rate Death Beneft

Member/37 $ 44.81 $70,000

Spouse/37 $ 20.06 $30,000

* Example rates, individual underwriting required

ALSO AVAILABLE:

Cancer Insurance

Family Legal

Critical Illness

401k(i)

11-3796 01.27.12 1-866-667-8415

Benefts or Isagenix AssociatesMONTHLY RATES


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benefit enrollment guideCall Today! 1.866.667.8415 Monday-Friday 8:00-7:00 ES


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We know that you face a lot of challenges, but finding medical coverageshould not be one of them. Isagenix is proud to offer its members a

Personal Protection Package that is comprehensive, yetaffordable. Review the benefits in this brochure and enroll today!

Review and choose the programs you need!

Call 1.866.667.8415to have your questions answered by theenrollment center and to enroll! A pin code will be created for youand will serve as your signature.

Paying for your premiums is easy through our payroll deductionprogram!

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Enrolling

1 -2- 3is as easy as...

By becoming a member of NAWP, for only$6 per month, you will recieve access to many

great benets! Call today for more information.


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TransChoice Plus

A Group Limited Benefit Hospital Indemnity Insurance Plan.................................

Limitations & Exclusions.....................................................................................................

Non-Insurance Programs....................................................................................................

TransSmile Group Dental Insurance................................................................................

Vision Care...............................................................................................................................

Universal Life..........................................................................................................................

Accident Select.......................................................................................................................

Cancer........................................................................................................................................

Major Medical.......................................................................................................................

Critical Illness..........................................................................................................................

401K(i)........................................................................................................

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Insidethis brochure

2Enroll Today!

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Call for more information!


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TransChoice PlusA Group Limited Benefit

Hospital Indemnity InsuranceCoverage to Include Silver Platinum

Outpatient Benefits

Doctor Office VisitThis benefit pays the amount shown per physicians office visit as a result of a sickness or accident. Benefits are payable for a

maximum of six visits per calendar year per person.

$80 $100

Wellness VisitThis benefit will pay the selected amount for each covered person who undergoes the following:

physical examinations mammograms pap smearsimmunizations flexible sigmoidoscopy blood screeningsprostate-specific antigen tests

This benefit is payable one time per calendar year for each covered person. Services must be under the supervision of or rec-ommended by a physician, and a charge must be incurred.

$100 $150

Diagnostic Tests X-Ray and LabThis benefit pays the amount shown per testing day for tests performed for the purpose of diagnosis of a covered sicknessor accident as indicated by symptoms that would suggest an injury or sickness had occurred. The benefit is limited to four daysof testing per calendar year per covered person and is not payable while the insured is confined in a hospital (i.e., it applies to

outpatient services only).

$100 $150

In-Hospital Indemnity Benefits

Daily In-Hospital Indemnity BenefitWhen a covered person is confined in a hospital as a result of an accident or sickness, this policy pays the benefit amount foreach day the insured is confined in a hospital, up to a maximum of 30 days per confinement.

In-Hospital & Surgical Additional Indemnity BenefitWhen a covered person is confined in a hospital as a result of an accident or sickness, this policy pays the benefit amount forthe first occurrence that the insured is confined in a hospital. This benefit is payable only once each calendar year for eachcovered person. Benefit pays in addition to the Daily-In-Hospital Indemnity Plan.

Intensive CareUp to 30 days per calendar year; if you are confined in a hospital intensive care unit due to an injury recieved in a covered ac-cident or because of a covered sickness.

$300

$0

$300

$600

$1,000

$600

Accident Injury Benefit

Accident Injury Benefit*Pays for medical expenses such as ambulance, hospital room and board, and lab tests resulting from an injury caused by acovered accident; pays up to the policy limit after a $100 deductible

Accidental Death & Dismemberment*Pays lump sum benefit defined under the plan for all covered accidents.

$0

$0

Up to$1,000 per

accident

$2,000

Surgical & Anesthesia Indemnity Benefit

Surgical Benefit (see Surgical Schedule)When a covered person undergoes a surgical procedure listed in the Schedule of Surgical Indemnity Benefits in the certifi-cate as a result of an accident or sickness, the policy pays the benefit amount shown in the Schedule based on the plan levelselected by the group.

If two or more procedures are performed through the same incision or operative field, the benefit paid will be for only the pro-cedure that has the larger benefit. If more than one procedure is performed but each through a separate incision or in a separateoperative field, the amount payable will be the specified amount for the primary procedure plus 50% of the amount payablefor all other surgical procedures performed.

AnesthesiologyThe anesthesia benefit is 20% of the surgical benefit amount.

$1,000

$200

$2,500

$500

Group Term Life Insurance

Term life available for member, spouse and children. Term life with full benefit amountsfor member. Member Life $10,000 / Spouse Life $5,000 / Children Life $2,500

Included Included


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Coverage to Include Silver Platinum

Member Discount Card

Discount Card Included Included

Nationwide PPO Network

PPO Network Included Included

Critical Illness

When a covered person is diagnosed with a covered critical illness, the selected amount will be paid.* This amount is pay-able up to two times for each covered person, first under the Critical Illness Indemnity Benefit and then under the Subse-quent Critical Illness Indemnity Benefit, and is paid in addition to any other benefits paid by the TransChoice policy.

The Subsequent Critical Illness Indemnity Benefit is paid if the covered person is diagnosed as having a subsequent andseparate covered critical illness more than sixty (60) days after the first one.

After the waiting period has expired, benefits are payable for the followingcritical illnesses:

Cancer (including Leukemia and Hodgkins Disease, except Stage 1 Hodgkins Disease);

Heart attack (diagnosis must be based on EKG changes consistent with injury, elevation of cardiac enzymes, and con-firmatory imaging studies);

Stroke (the diagnosis must be based on documented neurological deficits and confirmatory neuroimaging studies);End stage renal failure (chronic, irreversible failure of the function of both kidneys such that a covered person must un-

dergo regular hemodialysis or peritoneal dialysis atleast weekly);

Major organ transplant (undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney, or pan-creas);

Skin cancer including basal cell epitheloma or squamous cell carcinoma; does not include malignant melanoma or myco-sis fungoides; and

Carcinoma In Situ (cancer that is confined to the site of origin without having invaded neighboring tissue).

Dependant coverage equal to 50% of this benefit.

$5,000 $10,000

Additional Benefits

Skilled Nursing Facility - 60 days per year per covered person

Mental Nervous - Maximum of 30 days per covered person per calendar year

Emergency Room Sickness - 2 visits per calendar year per covered person

Ambulance Indemnity Benefit - Maximum of 3 trips per calendar year per covered person.

$0

$0

$100

$150

$360

$500

$200

$200

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TransChoice PlusA Group Limited Benefit

Hospital Indemnity Insurance

Premium RateMember Member + Spouse Member + Child(ren) Family

Silver

Monthly $119.93 $198.86 $183.30 $258.44

Platinum

Monthly $201.59 $349.60 $317.36 $459.99

Underwritten by Transamerica Life Insurance Company, Home Office, Cedar Rapids, IA. Policy Form Series CPCH0200 and CCCH0200.Administration provided by First Service Administrators, Lakeland FL*Underwritten by Zurich, Schaumburg, IL**Underwritten by Companion Life Insurance Company, Columbia, SC

Prescription Benefit

Prescription Drug Indemnity Benefit**Brand / Generic, $10 Retail Co-Pay Formulary Generic / $50 Retail Co-Pay Formulary Brand; Mail: $30 Co-Pay Formulary

Generic / $150 Co-Pay Formulary Brand, $750 / $1,000 Annual Maximum

Included Included


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TransChoice Plus Group Limited Benefit Hospital Indemnity Insurance PolicyForm Series CPCH0200 and CCCH0200No benefits will be payable as the result of:suicide or any attempt thereof, while sane or insane. In the event of suicide, the companys liability

may be limited to only the return of premiums paid. In Missouri, suicide is no defense to paymentof benefits unless the company can show the insured intended suicide when he/she applied/enrolled for coverage;

any intentionally self-inflicted injury or sickness;rest care or rehabilitative care and treatment;immunization shots and routine examinations such as physical examinations, mammograms,

pap smears, immunizations, flexible sigmoidoscopy, prostate-specific antigen tests and bloodscreenings unless the Wellness Benefit is included;

routine newborn care, including routine nursery charges;the treatment of mental illness; functional or organic nervous disorder, regardless of cause;alcohol abuse; drug use, unless such drugs were taken on the advice of a physician and

taken as prescribed. In such circumstances and with respect to payment of the DailyIn-Hospital Indemnity Benefit, benefits will be limited to no more than 10 days in any calendar year;

participation in a riot, civil commotion, civil disobedience, or unlawful assembly;committing, attempting to commit, or taking part in a felony or assault, or engaging in an

illegal occupation;participation in an organized contest of speed, parachuting, parasailing, bungee jumping, or hang

gliding;air travel, except as a fare-paying passenger on a commercial airline on a regularly scheduled route,or as a passenger for transportation only and not as a pilot or crew member; any accidentcaused by the participation in any activity or event, including the operation of a vehicle, whileunder the influence of a controlled substance (unless administered by a physician or takenaccording to the physicians instructions) or while intoxicated (intoxicated means that condition asdefined by the law of the jurisdiction in which the accident occurred);

any procedure or treatment to change physical characteristics to those of the opposite sex andother treatment related to sex change;

the reversal of tubal ligation and vasectomies;artificial insemination, in vitro fertilization, and test tube fertilization, including any related

testing, medications, or physicians services, unless required by law;any loss incurred while on active duty status in the armed forces (if the insured notifies

Transamerica of such active duty, Transamerica will refund any premiums paid for any period forwhich no coverage is provided as a result of this exception);

accidentsorsicknessesarisingoutofandinthecourseofanyoccupationforcompensation,wage,or

profit OR expenses which are payable under Occupational Disease Law or similar law, whether ornot application for such benefits has been made;airorgroundambulancetransportation(unlesstheAmbulanceBenefithasbeenincluded);routineeyeexaminationsorfittingofeyeglasses;hearingaidsorfittingofhearingaids;dentalexaminationsordentalcareotherthanexpensesresultingfromanaccident;careortreatmentofanaccidentorsicknessnotspecificallyprovidedforintheplan;with

respect to the Off-the-Job Accidental Injury Benefit only, charges that the covered person is notlegally required to pay, or charges which would not have been made if this coverage had notexisted;

treatment ofan accidentor sicknessmadenecessary byor arising fromwar, declaredorundeclared, or any act of war; or

anysurgicalprocedurenotspecificallylistedintheScheduleofSurgicalIndemnityBenefits.

Termination of InsuranceYour insurance will cease on the earliest of:1. The last day of the payroll deduction period during which You cease to be eligible for coverage;2. The end of the last period for which premium payment has been made to Us;3. The date the Policy terminates; or4. The last day of the payroll deduction period during which You terminate employment.

The insurance on a Dependent will cease on the earliest of:1. The date Your coverage terminates;2. The end of the last period for which premium payment has been made to Us;3. The date the Dependent no longer meets the definition of Dependent; or4. The date the Policy is modified so as to exclude Dependent coverage.

We will have the right to terminate the coverage of any Covered Person who submitsa fraudulent claim under the Policy. Refer to the policy and certificate for complete details.

Group Term Life Insurance Policy PolicyForm Series CP100200 and CC100200

We will not pay a death benefit if an insured dieby suicide, while sane or insane, within two yearof the date of his/her insurance starts. In the event

of suicide, the Companys liability may be limited toonly the return of premiums paid.

In Missouri, suicide is no defense to paymenof benefits unless the Company can show theinsured intended suicide when he/she appliedenrolled for coverage.

If any death benefit is increased, this suicide exclusionstarts anew, but will apply only to the amount of theincrease.

AD&D RiderRider Form Series CR101100We will not pay any benefits if the loss, directly oindirectly, results from any of the following, even if themeans or cause of the loss is accidental:suicide or intentionally self-inflicted injury

while sane or insane. In the event of suicide, theCompanys liability may be limited to only the returnof premiums paid. In Missouri, suicide is no defenseto payment of benefits unless the Company canshow the insured intended suicide when he/sheapplied/enrolled for coverage;

commission of or attempt to commit an assault ofelony;

sickness or mental illness, disease of any kind, omedical or surgical treatment for any sickness, illnesor disease;

injuries received while under the influence oalcohol, a controlled substance or other drugsas defined by the laws of the State where theaccident occurs, except as prescribed by a doctor;

any poison or gas voluntarily taken, administeredabsorbed, or inhaled (except in the course oemployment);

flight in any kind of aircraft, except as a fare payingpassenger on a regularly scheduled commerciaaircraft;

any bacterial or viral infection;declared or undeclared war, or any act of war; andtaking part in an insurrection.

Limitations & Exclusions

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MEMBER DISCOUNT CARD

This card is provided by New Benefits, Ltd. It offers membersaccess to the Nurses Hotline, counseling services, andbenefits for hearing aids. This is not an insurance plan.Information on how to access the benefits of the MemberDiscount Card will be included in the fulfillment packagethat each insured member receives.

NURSES HOTLINE

The Nurses Hotline allows access to experienced, registered

nurses 24 hours a day, 7 days a week, 365 days a year. Thehotline nurses are an immediate, reliable, and caring sourceof health information, education, and support. Servicesprovided by this plan include:

General information on all types of health concerns Information based on physician-approved guidelinesAnswers about medication usage and interaction Information on non-medical support groupsTranslation services for non-English speaking callersFull-time medical director on staff

HEARING AID BENEFIT

The Hearing Aid benefit provides savings of up to 15% offthe retail cost on over 70 models of hearing aids and a freehearing test when utilizing one of the 1,200 participating Beltonelocations nationwide. The member can also realize savings of upto 50% off the suggested retail price on over 90 models ofhearing aids in over 1,000 locations nationwide.*

In addition to the hospital indemnity benefits provided by Transamerica Life Insurance Company, the plans include a providernetwork and many other discounts offered by other vendors as noted below:

COUNSELING SERVICES

The Counseling Services benefit allows the member tospeak with a counselor 24 hours a day, 7 days a weekregarding any personal problems they may be facing. Inaddition, if the member is referred to one of the 27,000counseling providers nationwide, they will receivediscounts of 25%-30% off the normal billing charges fromthose providers.*

*Discounts on professional services are not available whereprohibited by law.

BEECH STREET NETWORK (NON-INSURANCE)

Our national Preferred Provider Organization (PPO)offers a medical provider network with over 520,000physicians and more than 3,500 hospitals throughout theUnited States. Members have access to a broad network ofindependently contracted physicians, hospitals, andhealthcare professionals who provide services atnegotiated, discounted rates. While all limited benefit plansmay seem equal, using the PPO network (combined withour knowledge and years of healthcare experience) allowsmembers to save dollars on their healthcare services. Formore information, visit www.beechstreet.com.

TELEDOC

Teledoc allows a member access to telephone medicalconsults with licensed physicians who diagnose medical problemsand prescribe short-term medication when appropriate. Alllicensed physicians specialize in telephone medical consults.They are primary care physicians, internists, and urgent carephysicians. Physicians are available 24 hours a day, 365 daysa year.

MEMBER SERVICES

Members can access benefit information and otherservices by dialing one toll free number. We are availableMonday through Friday from 8:00 a.m. To 7:00 p.m. EasternStandard Time to provide information on the following:Account managementMember eligibilityVerification of benefitsGeneral policy questionsPPO network informationPatient advocacy program

ACCESS TO DISCOUNT MEDICAL BENEFITS & SERVICES

Non-Insurance Programs

WMD TYEN1NON 0811


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Services* Coverage Basic Preferred

Type I Diagnostic & Preventative** 100%

Type II Basic Restorative Services*** 80%

Type III Major Restorative Services**** 50%

* Out of network reimbursement based on maximum allowable (MA).** Type I services include: exams, cleanings, topical fluoride, space maintainers and bitewings*** Type II services include: x-rays, emergency treatment for pain, fillings, and simple extractions.**** Type III services include: denture repair, oral surgery (except TMJ), non-surgical periodontics, surgical periodontics,periodontal maintenance, crowns, inlays, onlays, veneers endodontics, prosthodontics and implants. (12 month waitingperiod for Type III); other limitations and exclusions may apply. See policy for details.

Additional Benefit Information

Waiting PeriodType III Services 12 month waiting period

Dependent EligibilityEligible dependents of the insured include the insureds lawful spouse and unmarried children less than 19 or less than 26 ifa full-time student.

Annual MaximumApplies individually to member and each covered family member per policy year.BasicPreferred

$500$1,000

Annual DeductibleApplies to Type II and IIIBasicPreferred

$50$50

Monthly Rates Basic Preferred

Member Only $16.89 $23.30

Member, Spouse $28.97 $41.79

Member, Child $35.12 $43.77

Family $50.58 $66.06

TransSmile Group Dental Insurance is underwritten by Transamerica Life Insurance Company. Home Office: Cedar Rapids, IA, Policy Form Series CPDEN100,CCDEN100. *Rates do not apply in the State of California. Please request rates for California residents.

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TransSmile Dental Insurance


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Monthly Rates

Member Only $9.93

Member, Spouse $16.23

Member, Child $16.86

Family $24.37

Benets

Examination Once every 12 months

Lenses Once every 12 months

Frames Once every 24 months

Examination Co-Pay $10

Materials Co-Pay $25

Benets Participating Provider Non-Participating Provider*

Examination 100% Up to $40

Single / Bifocal /Trifocal Lens (Standard Plastic) 100% Up to $40 / $60 / $80

Polycarbonate Lenses $0 for members age 19 and under,

$30 for members over age 19

N/A

Standard Progressive Lenses $50 additional co-pay N/A

Standard Photochromic Lenses $60 additional co-pay N/A

Frames** 100% Up to $45

Contact Lenses-Medically Necessary*** $250 allowance Up to $225

Contact Lenses-Elective**** $100 allowance Up to $100

Contact - Fitting $30 allowance N/A

Laser Eye Surgery Access to discounted refractive eye surgery procedures from selectedprovider locations.

Insurance coverage underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Companyis not aliated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life.

VisionCoverage

*All out-of-network reimbursement must be submitted to Advantica and are subject to co-pays.**100% coverage applies to frames on Providers special frame selection. If outside special frame selection, member receives a $100 allowance.

***Limited to Aphakia, Keratoconus or Severe Anisometropia and requires pre-authorization by Advantica.****This benet is paid only once during the Groups Benet Period and must be fully utilized at the time of purchase.


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Program Description Group Universal Life Insurance Policy

Benefit Levels Conditional guaranteed issue is up to $150,000 not to exceed $18.00

per week of premium; spouse issue is up to $6.00 per week not to exceed$50,000; eligible dependent children issue is up to $25,000 or $10,000 forterm rider

Eligibility 90 days

Evidence of Insurability Conditional guarantee issue

Cash Value Accumulation The policy builds with a guaranteed interest rate of 4%; current interestrate is 5.25%.

Portable Yes. If you retire or leave your group, you can take comfort in knowing that

the individual rate for your coverage wont change because you leave.

Accidental Death & Dismemberment Rider Pays an additional death benefit up to $100,000 matching your faceamount for death resulting from an accident; rider terminates at age 70.AD&D is not available to children.

Automatic Face Amount Increase Rider Option for member and spouse to add additional coverage withoutproducing evidence of insurability; members up to age 65 can increase thepolicy face amount on their first five contract anniversary dates; spousesup to the age of 60 can increase the policy face amount on their first threecontract anniversary dates; premium will increase by $52.00 annually.

Example*

Age/Non-Smoker Monthly Deduction Death Benefit

Age 37 - Member $44.81 $70,000

Age 37 - Spouse $20.06 $30,000

*Rates are based upon age and tobacco usage.

You must speak with a benefits counselor to receive your applicable rate.

TransLegacy is underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids, IA). Their customer service number is 888.763.7474. Genera

policy form series CPGLDU00 and CCGLDU00. Other limitations and exclusions apply. Please refer to your contract and riders for complete details. May not beavailable in all jurisdictions.

A GROUP UNIVERSAL LIFE INSURANCE POLICY

Those who are inadequately insured may risk their financial security.

TransLegacy Universal Life Insurance complements existing coverageand helps provide additional financial security for you and your eligible

family members.

TransLegacySM


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Policy Description Highlights Descriptio Benefits

Initial Hospitalization for Injury Benefit $500 per person, per calendar year

Accident Emergency Treatment Benefit $100 for member or spouse paid once per covered accident$70 for children paid once per covered accident

Accident Hospital Income Benefit Hospital - $100 per day up to 365 days per year with 30 days of accidentICU - $300 per day up to 15 days per covered person per covered accident

Appliances Benefit $100 per accident, per person

Physical Therapy Benefit $50 per treatment, one treatment per day - up to six treatments per coveredaccident

Prosthesis Benefit $500 per person, per covered accident

Accident Follow-up Treatment Benefit $25 per visit up to a maximum of 3 treatments within 6 months per coveredperson, per covered accident

Wellness Benefit $60 annual benefit for the insured or any one covered family memberafter the first 12 months of paid premium

Ambulance Benefit $150 Ground Ambulance$600 Air Ambulance

Accidental DeathMotorized Vehicle or Pedestrian Accidents

Member - $25,000Spouse - $12,500Child - $2,500

Common Carrier Accident Member - $35,000Spouse - $17,500Child - $3,500

Accidental Dismemberment Pays the percentage of the accidental death benefit:Both arms and legs - 100%

Two arm or two legs - 50%Two eyes, hands, or feet - 50%One eye, hand, foot, arm, or leg - 20%One or more fingers and/or one or more toes - 5%

Specific Sum Injuries Pays benefits for dislocations, burns, ruptured discs, torn knee cartilage,eye injuries, lacerations, internal injuries, fractures, and for blood plasma.Benefits range from $30-$2,000. Ask for copy of rider for specific amountspayable and definitions and limitations for each specific accident. (Benefitswill not be paid for services rendered by a member of the immediatefamily of a covered person)

Benefits Covered On or off the job accidents

Rates Member Member+Spouse Member+Child(ren) Family

Monthly Rates $25.39 $31.29 $31.94 $37.84

AN ACCIDENT ONLY INSURANCE POLICY

Underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids, IA) Policy form TPA0100 or CP500100 & Rider Services TRA0100or CR500100, TRA0200 or CR500200, TRA0300 or CR500300, TRA0400 or CP500400, TRA0500 or CR500500, TRA0700 or CR500700, TRA0800 orCR500800, TRS0100 or CR500900, TRW0100 or CR501000 and TRIH0200 or CR501100.

This is a brief summary of AccidentSelect benefits. Limitations and exclusions may apply. Refer to the contract and riders for complete information. Notavailable in all jurisdictions.

AccidentSelect


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Program Description

Portable Yes

Hospital Confinement & Extended Benefits $200 per day/up to 90 days, beginning 91st day $400 per day.

Government Hospitals $200 per day.

Radiation & Chemotherapy (In/Outpatient) Actual charges up to $15,000 maximum per 12 month benefit period.

Related Radiation & Chemotherapy Expenses $750 per calendar year for treatment consultation and planning, radiation management,physical exams, checkups, laboratory or diagnostic tests when authorized by a radiologist,

chemotherapist or oncologist per 12 months.

Experimental Treatment Actual charges up to $15,000 per year for drugs, chemicals, surgery or therapy approvedby FDA, NCI, or ACS. Treatment must be received in a US hospital when authorized by the

attending physician.

Private Duty Nurse $200 per day during hospital confinement.

Surgery Up to $3,000 for in-hospital surgery and up to $4,500 for outpatient surgery.

Reconstructive Surgery Up to $750 for reconstructive surgery within two years of cancer removal.

Anesthesia Benefit is equal to 25% of surgery benefit.

Skin Cancer Surgery $225 1st removal; $105 per additional removal.Prosthesis Actual charges up to $1,500 per prosthetic device that requires implantation. Hair prosthe-

sis up to $150 for wig or hair piece related to hair loss from cancer treatment.

Attending Physician $40 per day during hospital confinement.

Inpatient Drugs & Medicines $30 per day or during confinement.

Blood, Plasma, & Platelets Actual incurred charges up to $15,000 per 12-month benefit period (except when re-placed by donated blood when there is no charge to the covered person).

Second Surgical Opinion $300 when surgery is prescribed treatment.

Hospice Care $200 per day at hospice center or hospice home visit: Lifetime maximum 100 days.

Ambulance $200 per continuous confinement.

Transportation Benefit Private vehicle- $0.40 per mile up to 750 miles for hospital confinement located more

than 50 miles from your residence.Commercial travel- Actual round trip charges.

Family Lodging Benefit Hospital located more than 100 miles from residence $100 per day with maximum benefit

of 50 days per calendar year.

Extended Care Facility $200 per day, up to the number of days of the hospital stay, when admitted within 14

days of discharge.

Physical Therapy & Speech Therapy $50 per treatment (limit one per day).

Waiver of Premium Premiums are waived after insured is totally disabled for 60 days due to cancer.

Wellness Benefit Pays $50 per unit per calendar year for covered cancer screening tests: mammograms, papsmears, flexible sigmoidoscopy, prostate-specific antigen tests, chest x-rays, hemocult stool

specimen, ultrasounds, CEA, CA125, biopsy, thermography, colonoscopy, serum protein

electropheresis, bone marrow testing, and blood screenings. Service must be under thesupervision of or recommended by a physician, and charge must be incurred.

Cancer Suppressive Therapy, Hematological Drugs, Anti-Nau-

sea Drugs, and Motility Drugs

Actual charges up to $1,000 for any combination of listed cancer maintenance therapy

expenses per calendar year.

Rates Member Member-Child Family

Monthly Rates$15,000 Radiation, Chemotherapy & Blood

$24.51 $28.02 $44.76

Underwritten by Transamerica Life Insurance Company (Home Office in Cedar Rapids, IA) Policy form series CPCAN200 or CCCAN200.

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We may reduce or deny a claim or void the policy and all riders as follows:

During the first 24 months if the member makes a material misrepresentation on the

application; or At any time if the member makes a fraudulent misstatement (this item does not apply in

Georgia, Nebraska, or North Carolina).


This policy provides benefits only for cancer defined in Section A Definitions which is positivelydiagnosed while this policy is in force. It does not provide benefits for any other illness or disease.

No benefits are provided during the first 2 years for any person diagnosed with cancer prior to theeffective date of such persons coverage.

We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submittedto us for each new claim (except as stated under Section E, Item 22 Skin Cancer). We will notpay for any other disease or incapacity that has been caused, complicated, worsened, or affectedby as a result of cancer.

We may reduce or deny a claim or void the policy for loss incurred by a covered person: During the first 2 years from the effective date of such coverage for any misstatements in the

application which would have materially affected our acceptance of the risk; or At any time for fraudulent misstatements in the application

Under no condition will we pay any benefits for losses or medical expenses incurred prior to theeffective date.

Termination

Under a Family policy, your (the insured) spouses coverage will end upon the earlier of: The death of your spouse; A valid decree of divorce received from the insured; or Your written notice to end coverage which is effective upon our receipt of said notice.

Under a Single Parent Family policy or a Family policy, coverage will end on a dependent childupon the earlier of the childs: Death; Marriage; Attainment of age 19; Attainment of age 25 if a full-time student at a regular educational institution; or Written notice to end coverage which is effective upon our receipt of said notice.

Coverage on the insured will end upon the earlier of the insureds: Death; Failure to pay the renewal premium before the grace period ends; or Your written notice to end coverage which is effective upon our receipt of said notice.

Coverage will end on each covered person if the renewal premium is not paid before the graceperiod expires.

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Make smart, simple and economical decisions when choosing health insurance. Enrollment First offers you this by

shopping with multiple insurance carriers to find the insurance plan that fits your individual needs and budget.

How Enrollment First can help you:

We help you individualize a plan that will fit both your needs and your budget.

We offer several different co-insurance plans (e.g. 100/0, 80/20, 60/40, 50/50).

You choose your deductible to reflect your monthly premium target ($500-$5,000).

We offer prescription drug benefits.

We offer a set maximum out-of-pocket expense.

We offer worldwide coverage.

We offer HRA.

We have a nationwide network.

Personalized individual and family quotes available from:

Assurant Golden Rule

Anthem BC/BS

Humana One

Regency BC/BS

Aetna

State-affiliated BC/BS

MajorMedical

Other health benefits:

Wellness benefit Emergency room

Hospitalization

Organ transplants

Ambulance benefits

Rehabilitation benefits

Pre-Existing Condition Insurance Plan (PCIP)Have you been denied coverage due to a pre-existing condition? You are now eligible for coverage through the

Pre-Existing Condition Insurance Plan, created under the Affordable Care Act! PCIP enrollees can choose from

three plan options, with different levels of premiums, calendar year deductibles, prescription deductibles and pre-scription copays. The HSA Option provides an opportunity to pen a Health Savings Account, a tax-exempt account

where you can deposit funds for eligible medical

expenses.

Each of the three PCIP Plan options provides preventive care (paid at 100%, with no deductible) when you see an

in-network doctor and the doctor indicates a preventive diagnosis. Included are:

Annual Physicals

Flu Shots

Routine Mammograms

Cancer Screenings

For other care, you will pay a deductible before PCIP pays for your health care and prescriptions. Afteryou pay the deductible, you will pay 20% of medical costs in-network. The maximum you will pay out-

of-pocket for covered services in a calendar year is $5,950 in-network and $7,000 out-of-network. There is no

lifetime maximum or cap on the amount the plan pays for your care.

Am I Eligible?To be eligible for the Pre-Existing Condition Insurance Plan, you must be a citizen or national of the United States

or residing in the U.S. legally, have been uninsured for at least the last six months, and have a pre-existing

condition or have been denied coverage because of your health condition.

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Policy Features Lump-sum benefits paid directly to the insured following the diagnosis of each coveredcritical illness

Coverage may be continued until benefits have been paid in full for each covered critical illnessGuaranteed issue is available for participant coverage and is subject to the participation

requirementBenefit amount available from $5,000 up to $50,000 for participants and $25,000 for spousesAnnual health screening benefits

First Occurrence Benefit After the waiting period, an insured my receive up to 100% of the benefit selected upon thefirst diagnosis of each covered critical illness

Additional Occurrence Benefit If an insured collects full benefits for a critical illness under the policy and later has one ofthe remaining covered illnesses, we will pay the full benefit amount for any additional illness;occurrences must be separated by at least 6 months.

Re-Occurrence Benefit If an insured receives the full benefit for a covered condition and is later diagnosed withthe same condition, we will pay the full benefit again. The two dates of diagnosis must beseparated by at least 12 months or 12 month treatment free for internal cancer.

Covered Critical Illnesses*

Illness covered under plan Percentage of face amount Additional Benefit

Heart Attack 100% Heart Transplant Surgery 100%

Stroke 100% Paralysis not due to stroke - all 4 limbs - 100%

Major Organ Transplant 100% Burns - 3rd degree or 50% coverage - 100%

Renal Failure (end stage) 100% Angioplasty/Stent - 5%Internal Cancer 100% Prostate Cancer with TNM Classification of TI - 25%

Carcinoma in Situ** 25% Skin Cancer - 5%

Coronary Artery Bypass Surgery** 25% Cancer Screening Benefit - $50.00 per calendar year

*At age 70, benefits are reduced by 50%.

** Payment of the partial benefit for Carcinoma in Situ will reduce the benefit for internal cancer. Payment of the partial benefit for coronary artery bypassurgery will reduce the benefit for a heart attack.

This is a brief summary of CriticalAssistancesm Plus, underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPCI0200and CCCI0200. Form and number may vary and coverage may not be available in all jurisdictions. Limitations and exclusions may apply. Refer to the policy,

certificate and riders for complete details.

A GROUP CRITICAL ILLNESS INSURANCE POLICY

Group Critical Illness insurance provides a lump-sump benefit to help cover out-of-pocket medical expenses and the costsassociated with life changes following a covered critical il lness.

Sample Monthly Rates (non-tobacco rates)

Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000

18-35 $5.25 $8.50 $11.75 $15.00 $18.25 $21.50

36-45 $8.60 $15.20 $21.80 $28.40 $35.00 $41.60

46-55 $14.15 $26.30 $38.45 $50.60 $62.75 $74.90

56-60 $20.20 $38.40 $56.60 $74.80 $93.00 $111.2061-64 $29.90 $57.80 $85.70 $113.60 $141.50 $169.40

65+ $33.40 $64.80 $96.20 $127.60 $159.00 $190.40

CriticalAssistanceSM

Plus

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call today for more information

1.866.667.8415

Documents

IsaGenix Healthcare Benefits Flyer