VitalOne Health Plans Direct, LLC. now has its very own health plans.
Enroll with VitalOne Health Plans!
*VitalOne Health Plans are underwritten by Markel Insurance. By enrolling in this plan, you become member of NDAA, 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 |
Bronze |
Silver |
Gold |
Platinum |
| DAILY HOSPITAL CONFINEMENT BENEFIT Regular Inpatient Stay – Overnight stays in hospital (maximum of 100 days per confinement) |
$100 per day |
$300 per day |
$500 per day |
$1,000 per day |
| DOCTOR OFFICE VISITS5 visits per covered person per calendar year, including one visit for wellness care. |
$60 5 visits per year |
$80 5 visits per year |
$100 5 visits per year |
$100 5 visits per year |
| DIAGNOSTIC TESTING OR X-RAY For medically necessary diagnostic tests and x-rays performed in a doctors office or outpatient facility (3 visits per covered person per calendar year, includin gone visit for wellness care). |
$50 per trip 8 visits per year |
$100 per trip 5 visits per year |
$100 per trip 6 visits per year |
$100 per trip 3 visits per year |
| CHILD WELLNESS VISITSBenefits payable for routine well child care doctor visits at eleven specified age intervals, from birth through age five. Well-child care includes physical exams, laboratory tests, immunizations, vision screenings and hearing screenings. |
$60 1 visit per year |
$80 1 visit per year |
$100 1 visit per year |
$100 1 visit per year |
| ICU/CCU Maximum of 30 days per confinement |
None |
None |
None |
$2000 for 30 days |
| MENTAL ILLNESS50% of cost up to maximum daily benefit and confinement of 30 days |
None |
None |
None |
$500 for 30 days |
| CONVALESCENT FACILITYConfinement must begin within three days of a hospitalization stay of at least three days (50% cost to maximum benefit up to 60 days per confinement) |
None |
None |
None |
$500 for 60 days |
| EMERGENCY ROOMApplicable for emergency room visits when patient is not confined to the hospital ( 1 visit for injuries and 1 visit for sickness per person per calendar year.) |
None |
None |
None |
$100 |
| SURGERYInpatient: One inpatient surgery per covered person per calendar year.
Outpatient: One outpatient surgery (performed in a hospital or outpatient surgery center) per covered person per calendar year. |
Inpatient $1000 Outpatient $400 |
Inpatient $2000 Outpatient $800 |
Inpatient $2000 Outpatient $800 |
Inpatient $2000 Outpatient $800 |
| ACCIDENTAL DEATH AND DISMEMBERMENT Pays the beneficiary up to the benefit amount listed for the member’s death in a covered accident or a portion of that amount of the loss of certain body parts. |
$5000
|
$15000
|
$20000
|
$10000
|
| ACCIDENTAL MEDICALPays part of the expenses you are charged by a hospital, doctor, or other charges up to a maximum amount listed if you are injured in a covered accident. $100 Deductible per covered accident applies. |
$2000 |
$5000 |
$5000 |
$5000 |
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.
Premiums
| Plan | Member | Member & Children | Member & Spouse | Member & Family |
| Bronze | $170.69 | $339.51 | $340.84 | $485.60 |
| Silver | $280.22 | $486.76 | $509.08 | $715.56 |
| Gold | $323.30 | $552.96 | $595.16 | $816.60 |
| Platinum | $351.34 | $627.86 | $657.54 | $934.06 |
| * $10 – Monthly Administration Fee Added to All Plans* $125 – One Time Non-Refundable Enrollment Fee | ||||
