7 Reasons to Consider The Select Series™ Plans Coverage For You and Your Family

1. Broad benefits - You receive a variety of health care options, plus vision and dental coverage, discounts on prescriptions and laboratory tests and accident coverage.
2. First-dollar coverage - You get cash payments for your health claims (unless you specify otherwise), without any co-payments or deductible, in addition to any other insurance coverage you may have.
3. Cash to spend as you need - You decide how to spend the money you receive - for unreimbursed expenses, treatments, home help, travel or any other purpose.
4. Discounted networks - You make your money stretch further when you visit doctor and hospital networks offering discounts.
5. Simple enrollment - You spend just a few minutes to complete a simple questionnaire and you're enrolled, no medical questions are asked. Guarantee issue policy, no pre-existing condition limitations.
6. Easy to afford, easy to pay - You pay low group rates for coverage through bank draft or credit card.
7. Fast, responsive claims service - When you need to use your coverage, you'll find knowledgeable professionals give you skilled help and prompt claims processing.

Added Benefits Included in your Plan

The added coverages and services (except for the vision coverage) are neither underwritten nor provided by National Union Fire Insurance Company of Pittsburgh, Pa., NUFIC assumes no responsibility or liability for any of the listed services, the providers of the services, the quality of the services, the delivery of the services, or the outcomes of the services. Questions or concerns about the services should be addressed directly to the providers.

Prescription Drugs

Regence PRAM Discount Prescription Card This drug benefit covers most of the commonly prescribed generic drugs and brand name drugs at a great member discount. Our national pharmacy network has over 54,800 chains nationwide, which includes all of the major chains and most of the nation's independent pharmacies.

Insured Vision Benefit

• Coverage for regular vision exams
• Discounts for standard eyeglass lenses, frames & contact lenses
• You can also order replacement contacts online and have contacts mailed to your home.
• Access to thousands of providers nationwide, including the leading optical retailers LensCrafters®, Target Optical®, and most Pearle Vision® and Sears Optical® locations.

Benefit Descriptions

• 5 visits per person per calendar year, 10 visits per family per calendar year

• 1 visit per person per calendar year, Includes routine exams and preventive testing

• Includes physical examinations and immunizations during the first 12 months following birth. 6 visits per covered child per calendar year

• 3 tests per person, 6 per family per calendar year

• 1 visit per person per calendar year

• Inpatient Admission for treatment of Sickness or Injury, limit 2 per person per year

• Pays per day for the first 30 days of Inpatient confinement
• Pays in addition to Hospital Admission Benefit

• Pays per day each day Insured is Confined in the Intensive Care Unit, 15 days per year
• Pays in addition to Hospital Admission Benefit and Hospital Confinement Benefit

% of amount on Surgical Fee Schedule

Anesthesia (% of amount on Surgical Fee Schedule)

Ambulatory Surgery Center (per day)

Accidental Death Benefit

Common Carrier Benefit

Monthly Rates

Limitations and Exclusions

Limited Benefit Health Insurance

No coverage shall be provided and no benefits will be paid for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks:

1. suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or any act of autoeroticism.
2. travel or flight in or on (including getting in or out of, or on or off of any vehicle used for aerial navigation, if the Insured Person is:
   1. riding as a passenger in any aircraft not intended or licensed for the transportation of passengers;
   2. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
   3. riding as a passenger in an aircraft owned, leased or operated by the Insured Person's employer.
3. declared or undeclared war, or any act of declared or undeclared war.
4. full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which the Insured Person is not covered due to his or her active duty status will be refunded.) (Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded.)
5. the Insured Person's being under the influence of intoxicants while operating any vehicle or means of transportation or conveyance.
6. the Insured Person's being under the influence of drugs unless taken under the advice of and as specified by a Physician.
7. the Insured Person's commission of or attempt to commit a felony.
8. services and supplies that are not prescribed by a Physician as necessary to treat an Injury or Sickness; are received without charge or legal obligation to pay; would not normally be paid in the absence of insurance; are received outside of the United States; or are received while incarcerated by legal authorities of any state or country for any reason.
9. dental treatment unless due to an Injury.
10. cosmetic care, except for reconstructive plastic surgery required as a result of Injury; to restore a normal bodily function; to improve functional impairment by anatomic alteration made necessary as a result of a congenital birth defect; or for breast reconstruction following mastectomy.
11. any Injury or Sickness covered under any state or federal Workers Compensation, Employers Liability law or similar law.
12. services and supplies that are not due to an Injury or Sickness except as specifically provided.
13. participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type vehicle in an organized event.
14. mountaineering using ropes and/or other equipment; parachuting; or hang gliding.
15. custodial care or rest.
16. Age of issue cannot exceed 64 years of age. Policy terminates at age 65.

Vision Benefit

Benefits will not be payable under the Policy for expenses incurred for:

1. professional services and/or materials in connection with:
   1. contact lens insurance or care kits and services that are experimental or investigational in nature;
   2. blended bifocals, no line, or progressive addition lenses
   3. compensated or special multi-focal lenses
   4. plain (non-prescription) lenses
   5. anti-reflective, scratch, UV400, or any coating of lamination applied to lenses
   6. Subnormal Visual Aids
   7. tints other than solid
   8. orthoptics, vision training and developmental vision procedures
   9. polycarbonate lenses
2. broken, lost or stolen lenses, contact lenses, or frames;
3. medical or surgical treatment of the eye, unless such treatment is performed during a Vision Examination, subject to the applicable Vision Examination Maximum Benefit shown in the Benefit Schedule;
4. services or materials that are payable under any Workers' Compensation Act or similar law or any public program other than Medicaid;
5. services or materials rendered by a provider other than an Ophthalmologist, Optometrist, or Optician acting within the scope of his or her license; or by an Immediate Family Member;
6. any additional service required outside basic vision analyses for contact lenses, including but not limited to, fitting fees. This Exclusion will be included when the Contact Lenses Benefit is chosen.
7. vision examination for vision materials that may be required as a condition of employment, including but not limited to industrial or safety glasses.
8. services rendered after the date an Insured Person ceases to be covered under the Policy, except when vision materials ordered before coverage ended are delivered and the services rendered to the Insured Person within 31 days from the date of such order; and
9. services rendered or materials ordered before the date coverage began under the Policy.

Regardless of Optical Necessity or Medical Necessity, benefits are not available more frequently than that which is specified in the Benefit Schedule.

www.americaprotect.com
TO ENROLL CALL:
1-866-971-2368
(Enrollment Ext. 223)