Benefits
In-Patient and Out-patient Benefits
- Deductible per hospital confinement (PPO and non-PPO deductibles accumulate serparately)
- In-PPO: Choice of $200 or $400
- Out-of-PPO: deductible is two times PPO deductible Maximum benefit per day for inpatient hospital expenses (includes room and board, supplies, drugs, etc,. no limit on days of confinement)- Choice of $750, $1,000 or $1,500
Outpatient Expense Benefits
- Calendar year deductible
- In-PPO: $100
- Out-of-PPO: deductible is two times PPO deductible
- Physician office visit maximum benefit for covered out-patient expenses- $50 per visit
- Prescription Drugs- Subject to separate $100 Rx deductible per person, per calendar year.
- Generic- $15 or 50% of the drug’s cost, whichever is greater. Brand name drugs are not covered.
Optional Benefits Enhancements to suit your needs
You can increase your coverage with these options (available at an additional premium):
- Cancer Benefit Option
- This optional rider provides a maximum of $50 per day for in-hospital visits by a physician
- Up to $200 per day for treatment provided during a hospital confinement or on an outpatient basis for radiation therapy and chemotherapy
- Up to $2,500 per calendar year for charges made by a hospital or physician for experimental treatment or procedures provided during a hospital confinement or outpatient basis
- Limited hotel and transportation reimbursements for a family member
- Up to $75 per day for hotel/motel charges
- Up to $750 per mile for roundtrip
- Up to $100 per covered person per calendar year for eligible diagnostic screening tests
- Up to $4,000 for the eligible charges in relation to surgical benefits (based on the surgical schedule)
- After a $500 deductible, pays for Radiation Therapy and Chemotherapy treatment and pays 80/20, up to $10,000, with a maximum benefit of $50,000 per illness or injury.
- Term Life Benefit Option
- The Term Life Benefit Rider provides you and or your spouse with annually renewable term life insurance coverage in benefit amounts of $10,000, $25,000 or $50,000
Additional Value Added Benefits from the Small Business Association of America
- SBA Accidental Injury Excess Coverage
$250 Deductible then 100% up to $5,000 accidental injury- includes medical and dental, ambulance service, plus accidental death and dismemberment benefits.
- LensCrafters Club
LensCrafters Vision Club and Eyewear Discounts
At LensCrafters,one hour service is just the beginning! Your member ID card brings you and your eligible family members special rates on:
- 20% discount on all purchases at any LensCrafters.
- 10% discount on professional services including eye exams and contact lenses.
Simply present your SBA member ID card at the time of purchase and receive your discount.
- And Many Many More
MONEY SAVING benefits for members of the Small Business Association of America.