Health Insurance

Med Plus STM

Consider Health Essential Limited Indemnity Medical if you:

1 Do not have adequate health insurance 2 Have health insurance with high deductibles or out-of-pocket expenses 3 Want to supplement the coverage you may have

Membership in Med Sense Guaranteed Association offers these outstanding features:

Insurance Benefits   Guaranteed Issue for members & their spouse’s ages 18 through 64, and dependent children to age 19 or age 25 if attending an accredited school full-time $1,000,000 Lifetime Maximum per Covered Person U.S. Citizenship not required, only U.S. residency for 12 consecutive months In-Hospital Daily Indemnity – Choice of $500, $750, $1,000 or $1,500 per day Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits Doctor Office Visits – Choice of $25, $50 or $75 per visit benefit * Doctors Office Wellness Visit – Choice of $50 or $75 for one visit benefit * $2,000 Accidental Injury Medical Benefit $10,000 Accidental Death and Dismemberment     * You can select the NEW option to change the Doctors Office Visit benefit from an Indemnity to a $30 or $20 Co-Pay Benefit.   Non-insurance Benefits   Access to Beech Street PPO Network Savings MedCare USA Prescription Discount Card Vision Discounts

Your total membership cost consists of association information and awareness benefits, consumer savings and service programs, insurance coverage’s, marketing and administration costs.

This plan is not available in the states of AK, CT, KS, MD, ME, NJ, NY or VT. Many state options and benefits vary.

Insured Benefits Provided By: United States Fire Insurance Company , Rated “A” by A.M. Best Reports

Disclaimer. This is limited indemnity insurance coverage. It is not major medical coverage and it is not intended to replace other major medical coverage. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are not insurance benefits. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831 For Claims questions please contact ACI by email at HealthEssential@visit-aci.com or by calling: 1-800-964-7096.

Circumstances in life may have caused you to lose your health insurance. Unexpected illnesses and accidents happen every day, so don’t put your financial future at risk if you can purchase short term medical insurance, until permanent insurance is available for you.

That’s why Health Insurance Innovation’s NEW Med Plus STM is the affordable solution right for you. Med Plus STM pays benefits like a major medical insurance plan, but for a pre determined length of coverage, up to a Lifetime Maximum of $2,000,000 per Covered Person. You can select from a wide range of deductible and coinsurance options to tailor a plan to fit your lifestyle needs and budget!

NEW Med Plus STM is ideal for those who are:

Between jobs or laid off Waiting for employer benefits Part-time or Temporary employees Recently graduated Without adequate health insurance

Exclusive features include:

Up to $2,000,000 Lifetime Maximum per Covered Person Choice of Coverage Periods of up to 6 or 12 months (not available in all states) Doctors Office and Urgent Care Center Visits – $50 Co-pay (Maximum of 3 per Covered Persons) Choice of deductibles – $250, $500, $1,000, $2,500, $5,000, $7,500 or $10,000 Coinsurance options of 80% or 50% up to either $5,000 or $10,000 Freedom to choose any doctor or hospital Choose to pay premiums two convenient ways, in a single upfront payment for 30 to 180 days, or pay by convenient monthly installments

Underwritten by: Starr Indemnity & Liability Company is an admitted insurer rated “A” (Excellent) by A.M. Best Company. A.M. Best ratings range from D to A++.