Health Insurance - Affordable Health Care

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agent-less enrollment process

Your Coverage Includes:

You will be enrolled in Consumer Assistance Services Association (CASA)

Your membership in CASA gives you access to health related discounts and membership privileges. It is through this membership that you have the group benefits associated with all five areas of coverage.

On the enrollment form, you'll see a $100.00 association fee. This is a fee that will only be charged once and is what gives you access to all of the benefits the Association has to offer, including the Access Health Partners program. Don't worry, this is also covered in our Risk-Free Money Back Guarantee if you decide this is not right for you.

Your program is built on Five Areas of Coverage through our quality providers below:

1.	Doctor and Hospital	provided by
2.	PPO Network	provided by
3.	Off-the-Job Accident Coverage	provided by
4.	Prescription Plan	provided by
5.	Health Savings / Privileges	provided through

Note: You will see all coverage details on the chart below based on the pricing you select.

You will receive the following:

+	Customized certificate of insurance for TransChoice® Plus
+	ID Cards for all covered dependents
+	Description of coverage
+	Welcome documents and online orientation video
+	All customer service phone numbers and important administrator contact information
+	All log-in details to access discount sites and PPO Network
+	All forms for filing insurance claims

YES! I'm ready to get coverage.

	Level 1	Level 2	Level 3
	$99/month	$159/month	$219/month
	$169/month	$279/month	$389/month
	$169/month	$259/month	$359/month
	$249/month	$369/month	$479/month
INDEMNITY BENEFITS
Outpatient Doctor Visits This benefit pays the listed amount per physician's office visit as a result of a sickness or accident. The maximum benefit per covered person is listed as the maximum amount per calendar year.	Pays $60 per visit, maximum $300 per calendar year	Pays $80 per visit, maximum $400 per calendar year	Pays $100 per visit, maximum $500 per calendar year.
Outpatient Diagnostic, X-Ray & Laboratory This benefit pays the listed amount on a per test day basis for tests performed. The maximum benefit per covered person is listed as the maximum amount per calendar year. This benefit applies to outpatient services only.	Pays $75 per test day, maximum $400 per calendar year	Pays $100 per test day, maximum $500 per calendar year	Pays $100 per test day, maximum $600 per calendar year
Daily In-Hospital When a covered person is confined in a hospital as a result of an accident or sickness, this policy pays the listed benefit amount per day. Benefits are paid for each stay over 23 hours the insured is confined in a hospital, up to a maximum of 30 days per confinement, or up to the calendar year annual maximum benefit amount listed. This benefit pays an additional listed amount per covered person per calendar year when he/she receives treatment or surgery while confined to a hospital as an inpatient as a result of a covered accident or sickness. The maximum benefit per covered person per calendar year is 1 confinement.	Pays daily benefit of $100 per day; $10,000 per calendar year Additional benefit: Pays an additional $500 per hospital confinement, maximum 1 confinement per calendar year	Pays daily benefit of $300 per day; $10,000 per calendar year Additional benefit: Pays an additional $1000 per hospital confinement, maximum 1 confinement per calendar year	Pays daily benefit of $500 per day; $20,000 per calendar year Additional benefit: Pays an additional $2000 per hospital confinement, maximum 1 confinement per calendar year
Surgery When a covered person undergoes a surgical procedure listed in the Table of Surgical Indemnity Benefits as a result of a covered accident or sickness, the plan pays the scheduled amount up to the amount listed.	Pays up to $1,000 for Surgery	Pays up to $3,000 for Surgery	Pays up to $5,000 for Surgery
Anesthesia The anesthesia benefit is 30% of the surgical benefit amount. If two or more procedures are performed through the same incision or operative field, the benefit paid will be for only the procedure that has the larger benefit. If more than one procedure is performed, but each through a separate incision or in a separate operative field, the amount payable will be the specified amount for the primary procedure plus 50% of the amount payable for all other surgical procedures performed.	Pays 30% of Surgical Schedule	Pays 30% of Surgical Schedule	Pays 30% of Surgical Schedule
Ambulance This benefit pays the listed amount per trip in an ambulance. This benefit allows a maximum of 3 trips per covered person per calendar year with a lifetime maximum of 6 trips. Treatment must be received within 72 hours of the accident or onset of sickness, and must be provided by a licensed ambulance company for benefits to be payable.	Pays $250 per ambulance trip. Maximum 3 trips per calendar	Pays $300 per ambulance trip. Maximum 3 trips per calendar	Pays $350 per ambulance trip. Maximum 3 trips per calendar
Critical Illness When a covered person is first positively diagnosed with a covered critical illness, a benefit in the amount listed is paid. This amount is payable up to two times for each covered person, once under the Critical Illness Indemnity Benefit and once under the Subsequent Critical Illness Indemnity Benefit and is paid in addition to any other benefits paid by the policy. The Subsequent Critical Illness Indemnity Benefit is paid if the covered person is diagnosed for the first time as having a subsequent and separate covered critical illness more than 60 days after the first covered critical illness.	Pays $5,000 lump sum for initial diagnosis of a covered critical illness; an additional $5,000 for a subsequent and differed covered critical illness, 50% of amount for dependent coverage.	Pays $7,500 lump sum for initial diagnosis of a covered critical illness; an additional $7,500 for a subsequent and differed covered critical illness, 50% of amount for dependent coverage.	Pays $10,000 lump sum for initial diagnosis of a covered critical illness; an additional $10,000 for a subsequent and differed covered critical illness, 50% of amount for dependent coverage.
Wellness This benefit pays $100 for each covered person who undergoes the following: blood screenings, flexible sigmoidoscopy, immunizations, mammograms, pap smear, physical examinations, prostate-specific antigen tests. The maximum benefit per covered person per calendar year is 1 visit. Benefits are also paid for well-baby visits. For children 0-12 months, up to 4 visits per year are allowed and from 12-24 months up to 2 visits per year are allowed. Services must be under the supervision of or recommended by a physician, and a charge must be incurred.	Pays $100 per visit, maximum 1 visit per calendar year	Pays $100 per visit, maximum 1 visit per calendar year	Pays $100 per visit, maximum 1 visit per calendar year
Accident Insurance Offered by The Chesapeake Life Insurance Company As a member, you are covered at up to the stated dollar amount for injuries from any one accident (after a $100 deductible). - Use any doctor, emergency room or hospital - Pays directly to you unless you assign benefit payment to a medical provider	$2,500 per dependant	$5,000 per dependant	$7,500 per dependant
Non-Insurance Benefits
PPO Network This program includes a membership to one of the nation’s largest PPO Networks called the Beech Street PPO Network. This provides you with front end savings on practitioners, hospitals and specialty care facilities through negotiated discounted rates.	Currently, Beech Street contracts with over 560,000 respected practitioners, 5,000 hospitals, and 85,000 specialty care facilities.	Currently, Beech Street contracts with over 560,000 respected practitioners, 5,000 hospitals, and 85,000 specialty care facilities.	Currently, Beech Street contracts with over 560,000 respected practitioners, 5,000 hospitals, and 85,000 specialty care facilities.
Health Savings / Privileges This program includes an association membership called Consumer Assistance Services Association (CASA) giving you access to a variety of benefit programs.	24 Hour Nurse Hotline, Patient Advocacy, Wellness Savings, Counseling Services	24 Hour Nurse Hotline, Patient Advocacy, Wellness Savings, Counseling Services	24 Hour Nurse Hotline, Patient Advocacy, Wellness Savings, Counseling Services
Pharmacy Benefits HealthWINS RX Pharmacy Drug Plan	$10/$20/$40 copay; average 15% savings on brand and 40%-60% on generic.	$10/$20/$40 copay; average 15% savings on brand and 40%-60% on generic.	$10/$20/$40 copay; average 15% savings on brand and 40%-60% on generic.

The group limited hospital indemnity insurance, discounts, and other services offered through this program are not a substitute for and are not recommended to replace any comprehensive program in health insurance in which you currently participate in or are considering.

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