VitalOne Health Plans Direct, LLC. now has its very own health plans. Click our logo above to begin the enrollment process and view plans and prices.
Enroll with VitalOne Health Plans!
*VitalOne Health Plans are underwritten by Continental America Insurance Company. By enrolling in this plan, you become member of NWHA, and qualify for the group hospital indemnity insurance. Please refer to the certificate of insurance coverage for benefit details, limitations and conditions.
Outline of Insurance |
Vital 100 |
Vital 300 |
Vital 500 |
Vital 1000 |
| DAILY HOSPITAL CONFINEMENT BENEFIT (PER DAY)
This benefit is payable for a maximum of 30 days, subject to the elimination period if any, when you are confined to a hospital as a resident bed patient as the result of injuries received in a covered accdent or because of a covered sickness. In order to receive this benefit for injuries received in a covered accident, you must be confined to a hospital within 6 months of the date of the covered accident ($3,000 – Vital 100, Vital 300 – $9,000, Vital 500, $15,000, or Vital 1000, $30,000 maximum per confinement). |
$100 per day |
$300 per day |
$500 per day |
$1,000 per day |
| INTENSIVE CARE BENEFIT (PER DAY)
If you are confined in a hospital intensive care unit due to an injury received in a covered accident or because of a covered sickness, the daily benefit amount shown will be paid for a maximum of 30 days. In order to receive this benefit for a covered accident, you must be admitted to a hospital intensive care unit within 6 months of the date of the covered accident. This benefit pays in addition to the dialy Hospital Confinement Benefit ($6,000 – Vital 100, Vital 300- $18,000, Vital 500 – $30,000, or Vital 1000 – $60,000 maximum per confinement). |
$200 per day |
$600 per day |
$1,000 per day |
$2,000 per day |
| AMBULANCE
If you require transportation to a hospital by a professional ambulance service within 90 days after a covered accident, we will pay the amount shown. |
$100 per trip |
$200 per trip |
$300 per trip |
$400 per trip |
| SURGICAL BENEFIT
If surgery is due to an injury received in a covered accident or because of a covered sickness is performed by a physician, we will pay the amount for the Surgical Operation shown opposite the procedure listed in the Schedule of Operations up to the maximum shown per surgical procedure. The surgery can be performed in a Hospital (on an inpatient or outpatient basis). |
up to $1,000 |
up to $3,000 |
up to $5,000 |
up to 7,500 |
| WELL BABY CARE
We will pay the amount shown on the Benefit Schedule page per visit. Pays for up to 4 visits per calendar year per insured baby. (Our definition of a baby is a dependent child 12 months of age or younger). |
$50 per visit |
$50 per visit |
$50 per visit |
$50 per visit |
| PHYSICIAN OFFICE VISIT/HOSPITAL EMERGENCY ROOM VISIT (PER VISIT)
If the insured is injured in a covered accident or receives treatment as the result of a covered sickness, benefits will be paid for each visit as shown in the Benefit Schedule for Physician’s charges, Laboratory fees, X-rays and Injections/Medications. This benefit is limited to 8 visits and Annual Max $200-(Vital 100), $400-(Vital 300 & Vital 500), $600-(Vital 1000) per calendar year. |
$25 8 visits per year |
$50 8 visits per year |
$50 8 visits per year |
$75 8 visits per year |
| OUTPATIENT DIAGNOSTIC LAB (PER TEST)
We will pay the amount shown for tests performed in ann Outpatient Lab because of a covered sickness or injuries receivd in a covered accident. We will pay for no more than 3 tests per calendar year for each insured individual due to outpatient diagnostic lab procedures. Benefits will not paid in addition to Wellness Benefit. |
$25 3 tests per year |
$50 3 tests per year |
$50 3 tests per year |
$75 3 tests per year |
| WELLNESS BENEFIT
We will pay the amount shown per calendar year when you visit a doctor and you are neither injured nor sick. |
$50 1 visits per year |
$50 1 visits per year |
$50 1 visits per year |
$50 1 visits per year |
HOSPITAL INDEMNITY
EXCLUSIONS AND LIMITATIONS
Pregnancy will not be covered if conception was before the Effective Date of an Insured Person’s Certificate. Pregnancy will be covered as any sickness when date of conception is after the Insured Person’s Effective Date of coverage.
We will not pay benefits for loss contributed to, caused by, or resulting from:
1. War – participating in war or any act of war, declared or not, or participating in the armed forces of or contracting with any country or international authority. We will return the prorated premium for any period not coered by this certificate when the insured is in such a service.
2. Suicide – commiting or attempting to commit suicide, while sane or insane.
3. Self-Inflicted Injuries – injuring or attempting to injure yourself intentionally.
4. Traveling – traveling more than 40 miles outside the territorial limits of the United States, Canada, Mexico, Puerto Rico, the Bahamas, Virgin Islands, Bermuda and Jamaica.
5. Intoxication – being legally intoxicated, or being under the influence of any narcotic, unless such is taken under the direction of a physician.
6. Illegal Acts – participating or attempting to participate in an illegal activity, or working at an illegal job.
Outline of Insurance |
Vital 100 |
Vital 300 |
Vital 500 |
Vital 1000 |
| ACCIDENT BENEFIT
Pays actual expenses incurred for emergency care of a covered injury after a $100 deductible per occurrence up to the maximum rider benefit. Payment of the benefit is per Insured Person. All eligible dependent children are counted as one insured person |
$2,500 per accident |
$7,500 per accident |
$7,500 per accident |
$10,000 per accident |
| ACCIDENTAL DEATH & DISMEMBERMENT
Pays a death benefit if a covered injury results in death (within 90 days of a covered injury) or if a covere dinjury results in irrevocable loss of sigh or total severance of hands or feet. |
$5,000
|
$25,000
|
$25,000
|
$50,000
|
| ACCIDENT DISABILITY
Pays $250 per week benefit up to 26 weeks in the event of a medical accident that results in member not being able to perform his/her job function after a 90 day waiting period, this benefit will pay up to $250.00 per week for up to 26 weeks. |
N/A
|
$250 per week up to 26 weeks |
$250 per week up to 26 weeks |
$250 per week up to 26 weeks |
Premiums
| Plan | Member | Member & Children | Member & Spouse | Member & Family |
| Vital 100 | $159.95 | $184.95 | $199.95 | $219.95 |
| Vital 300 | $209.95 | $269.95 | $309.95 | $354.95 |
| Vital 500 | $239.95 | $309.95 | $379.95 | $454.95 |
| Vital 1000 | $344.95 | $459.95 | $599.95 | $714.95 |
One Time Enrollment Fee : $130.00
