Central Choice The CentralChoice in Supplemental Health Insurance Benefits
This is a Hospital Indemnity Insurance Policy
CENTRAL CHOICE POLICY HIGHLIGHTS: Individual Renewable - meaning the policy is Guaranteed Renewable providing policyholder security subject to our right to change premium rates. Pre-Existing Conditions - with Central Choice, pre-existing conditions (for covered medical conditions) are covered after the first 12 months. No Ineligible Occupations - no occupational classes are excluded from any of the four plan designs. All Provider plan - You may seek treatment from any doctor and any hospital. Our plans pay directly to the insured. You may benefit from negotiated discounts through the First Health Network. No Utilization Review. No Deductibles, Coinsurance or Lifetime Maximums (individual benefit maximums apply). All Central Choice plans feature a surgical benefit*, which is determined by the state in which the policy is sold. In the states of CO, ID, and NM, Central Choice includes a traditional Surgical Schedule. Surgical procedures in these surgical schedule states are covered the same whether received as inpatient or outpatient treatment. In AL, AR, AZ, CA, DC, DE, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, NC, NE, NV, OH, OK, PA, SC, SD, TN, TX, VA, WI, WV, and WY, Central Choice features a unique Daily Surgical Benefit, which provides a surgical amount for each day of a consecutive period of hospital confinement in which one or more surgeries take place, up to a maximum of 5 days per period of confinement. The Daily Surgical Benefit is provided for both INPATIENT while hospital confined and as OUTPATIENT at an Ambulatory Surgical Center. The surgical benefit is reduced to 25% of the daily surgical benefit rate when received as outpatient treatment at an Ambulatory Surgical Center. * The Surgical Benefit does not apply in KS.
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