Loyal Affordable Health Benefits

Loyal American Affordable Health Benefits

Help Protect Yourself and Your Family

The right insurance program can be difficult to find. Whether you are in-between jobs, self-insured, or self-employed; the Loyal American Affordable Health Benefits insurance policy can help fulfill your insurance needs. This coverage is designed to provide a specified dollar amount for you and your family for standard medical needs - No Matter Which Doctor or Hospital You Choose. Use the money any way you want - a great way to help cover healthcare expenses.

And with 4 coverage options to choose from, we can fit into nearly every budget. All options include no deductible and first day coverage, other than the premium saver option, for:

	Premier	Elite	Classic	Value
In-Patient Hospital Benefits Daily Confinement Benefit Any Covered Event Maximum days per calendar year - 100	$2,000 per day	$1,500 per day	$1,000 per day	$500 per day
Daily Benefit for the first 50 days is double if the amount shown above if Hospital Confinement is due to Injury¹
Intensive Care Unit (ICU)/Confinement Benefit¹ Maximum days per calendar year - 30 Pays in addition to the Hospital Benefits shown above	$2,000 per day	$1,500 per day	$1,000 per day	$500 per day
Specialty Radiology (MRI, CAT Scan, PET Scan) Per test amount Maximum tests per calendar year	$400 3	$400 3	$200 5	$200 5
Ambulatory Surgical Center Benefits Benefit per visit Maximum visits per calendar year - 365	$1,000	$1,000	$500	$500
Premium Saver Option *Lower premium rates that utilize a 1 day elimination period for Hospital and ICU Confinements*
¹If for Injury, confinement must begin within 30 days of a Covered Accident.

Benefit

Coverage Pays

Surgery

Limit 365 surgical procedures per year

2 or more surgical events performed during the same operative session
are considered one procedure and will pay the single highest benefit
Benefits equal to the scheduled amount listed in the surgical schedule per surgical procedure

Anesthesia Benefits

Limit 365 Anesthesia Benefits per calendar year
20% of surgical services benefit paid

Inpatient Doctor Visits

Maximum 10 per calendar year
$50 each visit

Outpatient Office Visits & Urgent Care Facility Benefits

Combined, maximum 4 per year
$50 each visit

Outpatient Specialty Radiology (MRI, Cat Scan, PET Scan)

3 per year with Premier & Elite options

5 per year for the Classic & Value options

$400 per test with Premier & Elite options

$200 per test for the Classic & Value options

Outpatient Diagnostic X-Ray & Laboratories

Maximum 10 per calendar year
$50 each test

Emergency Room Accident Or Sickness Visit

Maximum 1 per calendar year
$250 for each visit that does not result in confinement

Ambulance Benefit

Limit 1 each air and ground trip per year

Travel to or from hospital or emergency room:

air $500 per trip, ground $200 per trip

Routine Wellness Visits

Maximum 2 per calendar year
$50 each visit

Supplemental Accident Reimbursement Benefits

Maximum 4 per calendar year

Accident Benefits will coordinate with Hospital & Surgery coverage

Treatment must be within 60 days of covered accident
$2,000 per covered accident

Radiation Therapy & Chemotherapy Benefit

Maximum 30 days per calendar year
$500 Per Day

¹ If selecting Premium Saver Option, one elimination day period For In-Patient Hospital & Intensive Care Unit Confinement

²If as a result of a covered Accident Treatment must be received within 72 hours of the covered accident

Hospital Confinement and Surgical Fixed Indemnity Coverage Includes:

Guaranteed Renewable Up To Age 65, subject to the Company's right to increase premiums on a class basis

First Dollar Coverage means no deductible, unless the Premium Saver Option is selected.

Supplemental Accident Reimbursement Benefit is Built-In

An Unlimited Lifetime Maximum³ on base policy

Coverage is available individually for every member of the family – you can cover only your children with this valuable coverage!

Simple Application - Just Answer Yes-or-No Questions, subject to underwriting and a 2-year contestable period

Read Loyal American Affordable Health Benefits Exclusions and Limitations.

³THIS IS NOT MAJOR OR MEDICAL COVERAGE, POLICY HAS LIMITED HOSPITAL CONFINEMENT AND OTHER FIXED INDEMNITY BENEFITS.

Ohio Outline of Coverage