Prescription Drug Benefits | -covered, subject to deductible and coinsurance; includes prescription drug card |  | Doctor Visits | - -covered for unexpected illness and injury, subject to deductible and coinsurance
- -you may keep your own doctors. You select the doctors and hospitals you want
- -discounts for using network doctors - on average 20-35%
| | Hospital Benefits | - -Inpatient and outpatient services covered, subject to deductible and coinsurance
- -discounts for using network facilities - on average 20-35%
| | Emergency Room Care | -Covered, subject to deductible and coinsurance | | Ambulance | -Service to nearest hospital to treat condition | | Outpatient Surgery | -Covered, subject to deductible and coinsurance | | X-ray and Laboratory | -Covered, subject to deductible and coinsurance | | Transplant Benefits | -$100,000 includiing up to $10,000 in donor expenses | | Deductible choices* (the amount you must pay before Assurant pays any benefits) | -$500, $1,000, or $2,500 - only one deductible must be satisfied for all family members | | Coinsurance* (Assurants Health's portion/your portion of the first $10,000 after deductible) | -80% / 20% | | Lifetime Maximum | -$2 Million (can be increased by upgrading your policy at time of issue) | |
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*additional deductible, coinsurance, and lifetime maximum options are available. What's Not Covered: - Treatment of a pre-existing condition, including those not inquired about on the enrollment form
- Routine care or checkups, examinations, or immunizations
- Illness or injury that is self-inflicted or caused while engaging in a felony, under the influence of an illegal substance, driving under the influence, in military service, in a hazardous occupation or activity for which compensation is received, or playing interscholastic sports
- Vision or dental treatments, foot care, or orthotics
- Maternity, genetics, or fertility treatment or testing
- Custodial care or private nursing
- Cosmetic, experimental, investigational, or not medically necessary treatment
- Treatment of mental illness or substance abuse
- Expenses incurred outside of the United States, its possessions,, and Canada
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