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Limited Benefit Medical

Key Features:Guaranteed Issue

Available for as few as 10 enrolled (may vary by state)

No pre-existing condition exclusions

No deductibles

No out-of-network penalties

Employees can choose their own physician

Point-of-service prescription drug benefit

COBRA Eligible and Administration

Non-Insurance Benefits Included at NO ADDITIONAL COST to Employees:24-Hour Nurse Helpline PlanOffers a telephone service that allows employees to ask questions and receive information about their health, illnesses and medications.

VSP Access PlanOffers discounts on eye exams and prescription glasses from VSP network doctors. When employees visit a network doctor, they can receive a 20% discount on eye exams; a 15% discount on contact lens exams; a 20% discount on frames, lenses and lens options when a complete pair of prescription glasses is purchased.

Online Wellness Improvement PlanOffers an online service that allows employees access to daily wellness articles and health tips, personalized workout programs for all ages and fitness levels, guidance on nutrition, weight loss and exercise, access to health risk assessments and calculators, and disease prevention studies.

Basic coverage for employees and dependents who do not have access to comprehensive medical coverage.

Five Plans, Access for AllThe Limited Benefit Medical program* features five plans that pay fixed amounts for certain named and commonly used medical services.

The plans are designed for employees not eligible for or who are unable to afford comprehensive major medical insurance, like hourly, temporary, seasonal and low-wage employees.

Limited Benefit Medical plans are intended to provide employees and their covered dependents with basic insurance coverage. They are not comprehensive major medical plans, nor are they intended to replace major medical plans.

What types of services are covered?All plans feature multiple, basic, inpatient and outpatient benefits. Exact benefits, benefit amounts and benefit frequencies vary by plan.

All Plans include:

Benefit DescriptionHospital Confinement

Room & Board Sickness Room & Board Injury ICU Sickness & Injury Mental and NervousSubstance Abuse

Surgery (IP and OP)

Surgical ScheduleAnesthesia

Physician Office Visits

Office Visit BenefitConsultation Visit

Wellness Annual Physical Mammograms

Emergency Room

ER Visit Treatment for Sickness & Injury

Diagnostic Laboratory & Radiology

MRICT ScanX-RaysLab Tests

Prescription Drugs

Generic Scripts

Some Plans include:

Benefit DescriptionHospital Operating Room

Operating Room Charge

Wellness Wellness ScreeningsImmunizations

Diagnostic Cardiovascular

EKG/ECG Echo Cardiograms Stress Tests

Therapeutic & Rehabilitative Care

Phys., Occup., Speech Therapies & Acupuncture

Oncology/Dialysis

Outpatient Surgical Facility

Hospital OP or Freestanding Facility Charges

Ambulance Transport to ER

Nursing Private Duty NursingHome Health Care

Prescription Drugs

Brand Name Scripts

See Limited Benefit Medical Brochure for full plan details and Exclusions and Limitations.*Provided through NGL and administered by ASRM.

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For a quote, email Quotes@AlwaysCareBenefits.com or talk to your AlwaysCare Sales Representative for more information.

The Limited Benefit Medical & Dental Plans and the Term Life (with Accidental Death) & Short Term Disability Plans are underwritten by National Guardian Life Insurance Company* (NGL) under group policy form series NGRPHIP 5/11, et al and NGRPTL 5/11, et al, respectively.

The information provided is for agent use only and/or not for use with the general public. It applies to most states; however, all coverages are not available in all states.

*National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian or Guardian Life.

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LIMITED BENEFIT MEDICAL

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Who can be covered? Everyone without access to major medical can be covered. Employees, spouses and families can be covered by Limited Benefit Medical and the optional Dental and Term Life coverages. Employees only can be covered by the Short Term Disability coverage.

Do employees have to use certain doctors, dentists, or hospitals? No. Employees have access to use any licensed doctor or dentist, or any certified hospital. However, under the Limited Benefit Medical plans, employees can save money by using a network provider.

Are visits to the chiropractor covered under the Limited Benefit Medical plans? Yes, chiropractic office visits are covered; however, chiropractic adjustments, manipulations or modalities are not covered.

Optional Benefits Enhance the PlanDental Rider

• Employees may visit any dentist; no network restrictions

• Covers most common services

• Type I - Preventive and Diagnostic (80% of charges; no waiting period)

• Type II - Basic Services (60% of charges; 3 month waiting period)

• Type III - Major Services (50% of charges; 12 month waiting period)

• Offers enrolled dependents the same coverage

• $500 plan year maximum per person and $50 plan year deductible per person for all services combined

Term Life & Short Term Disability

The Term Life benefit includes a $10,000 employee life benefit and matching $10,000 accidental death benefit. Spouse and dependent child coverage is also available. Employee benefits reduce by 50% at age 70. Spouse coverage ends at age 70.

The Short Term Disability benefit offers 26 weeks of coverage when the employee is totally disabled (after a 14 day elimination period; none if hospitalized). Benefit amount is 50% of base pay up to $125 per week. Employee benefits reduce by 50% at age 70. Short Term Disability coverage is only available for employees; there is no dependent coverage.

1-888-729-5433, Ext. 2013 www.AlwaysCareBenefits.com

Monday-Friday 7:30 a.m. to 8:30 p.m. (CT)Saturday 9:00 a.m. to 3:00 p.m. (CT)