Med Sense Guaranteed Association Members
Guaranteed Issue Limited Medical Indemnity Insurance

Consider Health Essential Limited Indemnity Medical if you:

• Do not have adequate health insurance

• Have health insurance with high deductibles or out-of-pocket expenses

• Want to supplement the coverage you may have

 
Membership in Med Sense Guaranteed Association offers these outstanding features:

Insurance Benefits:

• Guaranteed Issue for members & their spouse's ages 18 through 64, and dependent children through age 26

• $1,000,000 Lifetime Maximum per Covered Person

• U.S. Citizenship not required, only U.S. residency for 12 consecutive months

• In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day

• Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits

• Doctor Office Visits benefit - Choice of $95 or $105 per visit, up to 5 visits per insured, per policy year

• Doctors Office Wellness Visit benefit - Choice of $95 or $105 for one visit

• Freedom to choose any doctor or hospital

• $2,000 Accidental Injury Medical Benefit

• $10,000 Accidental Death and Dismemberment

Non-insurance Benefits:

• Access to Beech Street PPO Network Savings

• MedCare USA Prescription Discount Card

• Vision Discounts

Your total membership cost consists of association information and awareness benefits, consumer savings and service programs, insurance coverage's, marketing and administration costs.

The Health Essential Plan series is available in all states except: AK, CT, KS, MD, ME, MT, NH, OR, RI, WA, or VT. There are plans available in NJ and NY, but they have different benefits, rates and the sales distribution is restricted.
 
Insured Benefits Provided By:
United States Fire Insurance Company , Rated “A” by A.M. Best Reports

To view and download the brochure.  If you are currently contracted and appointed to sell Health Essential your link will take you to the new Platinum Health Essential product page. 

If you would like to become contracted and appointed to sell this product you can download Agent Contracting.

(File is a large one at 530KB) To review the Sample Health Essential Max1500 Sample Surgery Schedule.

To View and download the Health Essential List Bill Form.

Guaranteed Acceptance Membership

Value Access Guarantee
VBA Members Limited Medical

• Guaranteed Issue for members and their spouse's ages 18 through 64. Coverage terminates at age 70.

• Pays Indemnity Benefits – There are NO Deductibles or Co-pays

• Pays Benefits for Doctors Office Visits, Hospitalization, ICU or CCU, Surgery, Anesthesia, Preventive Care, Emergency Room Care, Lab and X-Ray Testing, and Ambulance Services*

• Dependent Child Coverage is available to age 21 if the child is dependent on the parent member; or to age 23 if attending an accredited school full-time.

• Save money through access to Beech Street PPO Network

• Or you can use your own Doctor, Hospital or Licensed Provider

• Pays Benefits in Addition to any Other Insurance Coverage

• Pre-existing Conditions Incurred within the 12 Month Period Preceding the Effective Date are not covered. The Pre-existing Conditions Limitation is waived under the Outpatient Doctors Office Visits Indemnity Benefit**

* This plan is not available in all states and benefit options vary by state.
** Pre-Existing Conditions: No benefits will be payable for expenses incurred as a result of a Pre-Existing Condition until coverage has been in effect under the Policy for 12 consecutive months. This Pre-Existing Conditions Limitation is waived under the Outpatient Physician Office visit Indemnity Benefit.

Value access Forms:

Value Access Guarantee Brochure & Enrollment Forms
(Not available in: CA, CT, HI, ID, IN, MT, NH, NJ, NY, OR, SD, WA, WV)

Value Access Guarantee Surgical Schedule

Beech Street PPO Network

Agent Contracting

Value Plans Draft Dates & New Business Time Lines


Download Adobe Acrobat Reader

Value Med Insurance Plan

Sickness & Accident, Hospital & Medical Insurance

THIS POLICY PROVIDES LIMITED BENEFITS  

Value Med  is now available in:  AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA,  MI, MO, ND, NE, NM, OH, OK,  OR, PA, SC, SD, TN, TX, UT, VA, VT, WI, WV & WY

Download Adobe Acrobat Reader

* The benefits may be paid directly to the hospital or other health care facility if an assignment of benefits is made by the policyholder.

** Pre-existing conditions are those medical conditions disclosed or not disclosed on the application which were diagnosed or for which medical advice or treatment was recommended or received from a Doctor within a 12-month period immediately preceding the Effective Date of Your coverage. Any loss due to a pre-existing condition is not covered unless the loss begins more than 12 months* after the Effective Date of coverage. *The pre-existing condition waiting period is 6 months in Idaho and Oregon.

Wyoming Applicants Only - Your Pre-existing Conditions Limitation reads:
The policy will not cover loss resulting from pre-existing conditions during the first year that your policy is in force. A "pre-existing condition" is any sickness or injury diagnosed for which You received medical advice and /or treatment was received from or recommended by a Physician within the 90 day period immediately before the effective date of Your coverage, or the effective date of an increase in coverage, whichever is applicable

*** The insurer has the right to increase premium rates of all like policies in your state.

**** Instead of age 19 the following states have higher limits: Indiana age 24, New Mexico age 25, North Dakota age 22 and Utah age 26.

***** Hospital confinement must be medically necessary because of injury or sickness. Our definition of hospital excludes (a) a convalescent home, convalescent, rest or nursing facility; or, (b) a facility or portion thereof used primarily for the care of the aged, the terminally ill, drug or alcoholic rehabilitation, or primarily affording custodial, long-term nursing, convalescent or educational care.