Pricing

Coverage	Member	Family
$500 / week	$34 / mo
$500 / week		$44 / mo

Group Accident Only insurance is issued on Form Series MP-1400/GC-1400 by Guarantee Trust Life Insurance Company, Glenview, IL.  This product and its features are subject to state availability and may vary by state.  Certain exclusions and limitations may apply.  For cost and complete details for coverage, please contact us or your agent.

The Group Accident Only Insurance is subject to terms, definitions, condition, exclusions, and limitations of the group policy. All members of National Association for Healthcare Consumers (NAHC) are eligible to receive these benefits. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company. These benefits are under policy for MP 1400 issued to NAHC. Coverage becomes effective on the date provided in your Membership material.

Insurance Benefits are not available in AK, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, UT and WA. Product may vary in CO, KS, NM and RI.

What is DI?

If you become disabled from a covered accident and are unable to work, DI insurance is designed to replace portions of your lost income. This extremely valuable benefit pays weekly benefit checks up to $500. These weekly benefits continue until a covered person is no longer disabled, fails to provide certificate from a physician that he/she remains disabled, reaches the end of the maximum benefit period or dies.

Who needs DI?

All wage earners, that would face financial difficulty if they were left unable to work, due to an accident. Unlike Supplemental Security Income, through the Social Security Administration, which can take up to two years to receive if you are approved, private disability insurance can start after a short 14-day elimination period after a qualified disability due to an accident. Some workers may be covered by disability insurance through their employers, but many workers have limited coverage or no coverage at all.

Who Doesn't Need DI?

To qualify for the benefits of this plan, you must be a wage earner. DI replaces a portion of your lost income after a 14-day elimination period. People that are retired, unemployed or don’t have documented employment would not benefit from having an DI policy.

What is Included?

$500 of Disability Income per week for 26 weeks after a 14-day elimination period.

$10,000 of Air Ambulance Benefit

$5,000 of Accidental Death & Dismemberment

What is Excluded?

The Policy does not provide benefits for:

• Treatment, services or supplies which:
• Are not Medically Necessary;
• Are not prescribed by a Doctor as necessary to treat an Injury;
• Are determined to be Experimental/Investigational in nature;
• Are received without charge or legal obligation to pay;
• Are received from persons employed or retained by any Family Member, unless otherwise specified; or
• Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or club sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.

Pricing

Coverage	Member	Family
$500 / day	$10 / mo
$500 / day		$24 / mo

Group Accident Only insurance is issued on Form Series MP-1400/GC-1400 by Guarantee Trust Life Insurance Company, Glenview, IL.  This product and its features are subject to state availability and may vary by state.  Certain exclusions and limitations may apply.  For cost and complete details for coverage, please contact us or your agent.

The Group Accident Only Insurance is subject to terms, definitions, condition, exclusions, and limitations of the group policy. All members of National Association for Healthcare Consumers (NAHC) are eligible to receive these benefits. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company. These benefits are under policy for MP 1400 issued to NAHC. Coverage becomes effective on the date provided in your Membership material.

Insurance Benefits are not available in AK, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, UT and WA. Product may vary in CO, KS, NM and RI.

What is HI?

We will pay a benefit when a Covered Person is Hospital Confined due to an Injury caused by a covered Accident. Hospital Confinement must be Medically Necessary and provided under the direction of a Doctor. Hospital Confinement must occur while a Covered Person’s coverage under this Certificate is in force.

The Hospital Indemnity Benefit is payable after the end of the Hospital Indemnity Benefit Waiting Period, Per Injury. Payment of the benefit will be paid for each day of Hospital Confinement not to exceed the Hospital Indemnity Maximum Benefit Period, Per Injury.

The Hospital Indemnity Benefit Amount, the Hospital Indemnity Benefit Waiting Period and the Hospital Indemnity Maximum Benefit Period, Per Injury are shown in the Schedule of Benefits.

Who needs HI?

Accident hospital indemnity insurance would be a good supplement to those who have high deductibles for the hospitalization part of their major-medical insurance policy – or a good alternative for those who have no accident and hospital benefits from any of their insurance policies. HI insurance provides financial help to enhance your current insurance coverage. Your health insurance plan may pay only a portion of the total expenses a hospital stay or medical treatment requires.

Who Doesn't Need HI?

Those who have a major-medical insurance policy with no deductible. Unfortunately, these policies are very rare because most come with a high deductible and out of pocket expense.

What is Included?

$500 of Hospital Indemnity per day for 30 days after a 7-day waiting period.

$10,000 of Air Ambulance Benefit

$5,000 of Accidental Death & Dismemberment

What is Excluded?

The Policy does not provide benefits for:

• Treatment, services or supplies which:
• Are not Medically Necessary;
• Are not prescribed by a Doctor as necessary to treat an Injury;
• Are determined to be Experimental/Investigational in nature;
• Are received without charge or legal obligation to pay;
• Are received from persons employed or retained by any Family Member, unless otherwise specified; or
• Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or club sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.

Pricing

Coverage	Member	Family
$2,500 AME / $5,000 ADD / $10,000 Air Ambulance	$24 / mo
$5,000 AME / $5,000 ADD / $10,000 Air Ambulance	$33 / mo
$7,500 AME / $5,000 ADD / $10,000 Air Ambulance	$46 / mo
$2,500 AME / $5,000 ADD / $10,000 Air Ambulance		$49 / mo
$5,000 AME / $5,000 ADD / $10,000 Air Ambulance		$69 / mo
$7,500 AME / $5,000 ADD / $10,000 Air Ambulance		$99 / mo

Group Accident Only insurance is issued on Form Series MP-1400/GC-1400 by Guarantee Trust Life Insurance Company, Glenview, IL.  This product and its features are subject to state availability and may vary by state.  Certain exclusions and limitations may apply.  For cost and complete details for coverage, please contact us or your agent.

The Group Accident Only Insurance is subject to terms, definitions, condition, exclusions, and limitations of the group policy. All members of National Association for Healthcare Consumers (NAHC) are eligible to receive these benefits. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company. These benefits are under policy for MP 1400 issued to NAHC. Coverage becomes effective on the date provided in your Membership material.

Insurance Benefits are not available in AK, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, UT and WA. Product may vary in CO, KS, NM and RI.

What is AME?

In case of an accident, an AME benefit can help you pay for out-of-pocket accident related medical expenses – such as deductibles and copays for ER visits, primary care visits, physical therapy and prescription expenses that may not be covered by your major medical insurance policy. After the deductible is paid, benefits are payable for medical expenses incurred by you as the result of each covered accident. These benefits are paid directly to you unless you choose to have them paid to the provider with an assignment. Convenient: Benefits are paid directly to you or to the hospital or facility where you are being treated, with an assignment. Comforting: This policy is yours, independent of your employer. You can switch jobs but keep the same accident insurance policy.

Who needs AME?

Four out of ten people are treated in emergency rooms every year. The typical length of a hospital stay is five days – and costs are over $10,000. That’s more than two month’s income for the average American As major medical costs go up, consumers are increasing their deductibles and maximum out-of-pocket exposure in an effort to lower their monthly premium. Supplemental plans such as AME are a way for consumers to lessen the impact of the increased out of pocket limits.

Who Doesn't Need AME?

Those with a major comprehensive medical insurance policy that has coverage for hospitalization due to accidents may not need accident insurance. But even with this type coverage, those major-medical policies make payments to the hospital. With a supplemental accident insurance policy, the payments are made directly to you or to the provider with an assignment, and you have discretion over use of the money.

What is Included?

Depending on election, either $2500, $5000 or $7,500 of Accidental Medical Expense

$10,000 of Air Ambulance Benefit

$5,000 of Accidental Death & Dismemberment

What is Excluded?

The Policy does not provide benefits for:

• Treatment, services or supplies which:
• Are not Medically Necessary;
• Are not prescribed by a Doctor as necessary to treat an Injury;
• Are determined to be Experimental/Investigational in nature;
• Are received without charge or legal obligation to pay;
• Are received from persons employed or retained by any Family Member, unless otherwise specified; or
• Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or club sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.

Pricing

Coverage	Member	Family
VSP Vision Care	$22 / mo
VSP Vision Care		$40 / mo

What is VSP?

Vision insurance helps offset the costs of routine eye exams and helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Vision insurance is generally considered supplemental insurance. Prescription lenses are available for a copay, allowances are provided for frames and contacts, and discounts are available for sunglasses and laser vision correction. It is easy to see the benefits in these plans.

Who needs VSP?

Everyone that currently wears glasses or contacts, or encounters trouble reading fine print or seeing things at a distance would benefit from having vision insurance. Without vision coverage, an exam and prescription glasses can cost $300 or more. Regular eye exams are important.

Who Doesn't Need VSP?

Those who have a comprehensive group health plan through their employer that also has some dental benefits and the lucky few who have perfect eyesight and who may think they do not need annual check-ups with eye doctors. Even the perfect eyesight folks can be beset by cataracts and other eye diseases and an annual or bi-annual visit to the eye doctor would test for these conditions.

What is Included?

The OptimumVision program includes money-saving vision services through VSP network doctors. The VSP network doctor list includes highly skilled and professionally certified optometrists and ophthalmologists. Whether your VSP doctor is an optometrist or ophthalmologist, you’ll receive a comprehensive vision exam and you can purchase glasses and contacts in their office.

What is Excluded?

The following represents what is normally excluded in vision insurance: Any exams given during your stay in a hospital or other facility for medical care, an eye exam, or any part of an eye exam, performed for the purpose of the fitting of contact lenses, drugs or medicines, eye surgery for the correction of vision, including radial keratotomy, LASIK and similar procedures, and for prescription sunglasses or light sensitive lenses in excess of the amount which would be covered for non-tinted lenses.

Pricing

Coverage	Member	Family
Dental Insurance	$36 / mo
Dental Insurance		$99 / mo

What is Dental?

With a dental insurance plan, you pay premiums, co-pays and/or deductibles, and the insurance pays the remainder directly to the dentist or through a reimbursement. There are no network provisions, and consumers are reimbursed for a specific amount of a service rendered, regardless of who provides it. For example, when someone covered by an indemnity plan receives a dental cleaning, his or her plan pays a flat amount for the service. Any charge above that amount is the consumer’s responsibility. With an indemnity plan the insured is only responsible for the difference between what the dentist charges and the plan pays.

Who needs Dental?

Your health insurance covers just about everything except your teeth. Much like your car, it doesn't take much to spend a thousand dollars or more on dental work. A crown may cost $1,500, and a root canal might run you $300 to $1,000. Even a simple cleaning will likely come in at more than $100. Dentists aren't cheap and that's why it’s appropriate to have dental insurance.

Who Doesn't Need Dental?

Those that have a comprehensive employer healthcare insurance policy with some dental care benefits may not need a separate individual dental insurance policy. Those with perfect teeth may not need dental insurance but even a basic cleaning of the teeth and a check for cavities can be relatively expensive, and the more major dental work can be expensive.

What is Included?

Dental insurance plans typically have "tiers" of coverage, starting with basic options meant to cover the average expenses associated with hygiene. Your employer (or you, if you're going to bear the entire cost of insurance) can opt for orthodontic coverage, which includes more expensive options like braces, casts and referrals to orthodontic specialists. There are seven basic areas of dental care that plans cover. They are as follows: Preventive Care, Restorative Care, Endodontics, Oral Surgery, Periodontics, Prosthodontics, and Orthodontics.

What is Excluded?

The most costly processes, such as bridges, crowns and dentures would be classified as “major procedures”. They require a greater out-of-pocket cost as opposed to basic and preventive procedures. Usually, these procedures are covered 50 percent or less by your dental plan. Generally speaking, cosmetic dental procedures are not covered under an insurance plan, especially one managed by an employer.

Pricing

Coverage	Member	Family
$100,000	$10 / mo
$250,000	$23 / mo
$100,000		$15 / mo
$250,000		$39 / mo

Group Accident Only insurance is issued on Form Series MP-1400/GC-1400 by Guarantee Trust Life Insurance Company, Glenview, IL.  This product and its features are subject to state availability and may vary by state.  Certain exclusions and limitations may apply.  For cost and complete details for coverage, please contact us or your agent.

The Group Accident Only Insurance is subject to terms, definitions, condition, exclusions, and limitations of the group policy. All members of National Association for Healthcare Consumers (NAHC) are eligible to receive these benefits. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company. These benefits are under policy for MP 1400 issued to NAHC. Coverage becomes effective on the date provided in your Membership material.

Insurance Benefits are not available in AK, CO, KS, ME, MD, MN, MO, MT, NV, NH, NM, NY, NC, OR, RI, UT and WA. (States may vary.)

Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.

What is AD&D?

Pays a lump sum benefit for death, dismemberment, or loss of sight, speech or hearing caused by a covered accident. Benefit amounts vary based on the plan.

Who needs AD&D?

Accidents can happen in an instant, but the consequences can last a lifetime. Accidental death and dismemberment (AD&D) insurance gives you added financial security in sudden and tragic circumstances. AD&D Insurance helps safeguard your assets against the impact a serious injury or accidental death could have on them. It pays a benefit directly to you (or your named beneficiary) in the event of a covered accident, giving you access to the additional security you would need if a catastrophe affected your life.

Who Doesn't Need AD&D?

Because it is a safe guard against the unforeseen – a severe accident or even death – most do not think they need AD&D Insurance. But it is becoming an increasingly more desired insurance benefit to protect individuals and their family against the high medical bills associated with severe accidents. Some high paying professional jobs, company owners, and similar professional folks may have life insurance with riders that pay their beneficiaries in case of the policyholders for accidental death.

What is Included?

Depending on election, either $100,000 or $250,000 of Accidental Death & Dismemberment

Payouts for Family Memberships:

• 100% for Member
• 50% for Spouse
• 25% for Child

What is Excluded?

The Policy does not provide benefits for:

• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.