Policy Benefit Options OmniFlex™ is there when you need it most. When you need assistance with two or more Activities of Daily Living ( Bathing, Continence, Dressing, Eating, Toileting, Transferring ) or suffer from a cognitive impairment, benefits are paid directly to you or a medical provider that you designate. OmniFlex™ benefits are paid in addition to any other health care coverage. The benefits and premiums for this coverage will vary based on the plan options selected.
Daily Benefit $50 - $400 ($10 increments)
Elimination Period 0, 20, 60 or 90 days
Benefit Periods 90, 180, 270 or 360* days
Your Lifetime Maximum Benefit Period is equal to two times your chosen Benefit Period.
Other Benefits Included In Your Policy
Restoration of Benefits After a period of 180 days in which no care is required and no benefit paid out, your Facility Care or Home Health Care Benefit Period restores, until you’ve reached your Lifetime Maximum shown in your policy schedule. See policy for details and definitions. *In ID, 360 day benefit period does not apply. **In NV, and OR, spouse or domestic partner; In RI, spouse or civil union partner Prescription Drug Benefit Your policy includes a benefit of $10 for each generic or $25 for each brand name prescription drug, up to a policy year maximum of $300. You do not need to be receiving services from your OmniFlex™ plan to receive Prescription Drug reimbursements under this Benefit. Fast-50 ™ Benefit Exclusive to OmniFlex™ STC plans, the Fast-50™ Benefit waives the Elimination Period and pays a first-day cash benefit equal to 50% of your accumulated Daily Benefit. While it can be used for anything, Fast-50™ is perfect for times when a spouse**, family or friends chip in and help with your care. Bed Reservation The Bed Reservation benefit will reserve your room for up to10 days at the Facility where you reside in the event you are admitted to a hospital. The lifetime maximum is 20 days.
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