Gold Plan Highlights

To help you manage and budget your medical expenses, the Consumer's Choice/USA™ plan features:

• a nationwide healthcare provider network to give you access to quality care at lower costs
• first-dollar Hospital Indemnity plan including surgical and outpatient benefits

Consumer's Choice/USA™ is designed to maximize your benefits and save you money when you utilize physicians and medical facilities that are part of the national First Health Network of more than 400,000 hospitals and physicians across the country. However, your insurance benefits can be used with any medical provider.

• Simplified Underwriting— Applying for coverage is simple. You'll know automatically if you're eligible to participate.
• No Deductibles, Copays or Coinsurance— The Consumer's Choice/USA™ benefit plan is simple to understand. Benefit reimbursements are fixed and annual maximums are simply stated so you know which benefit payments may apply.
• Peace of Mind— Finally, a program that makes sense.

Medical benefits are subject to exclusions and limitations.

Medical Insurance Benefit Description

Medical insurance benefits are one of the components of the Consumer's Choice/USA™ package. These benefits are underwritten by Companion Life Insurance Company and include:

First-Dollar Hospital Indemnity Benefit

The GOLD Plan pays $1000/day for up to 30 days maximum benefit per person per calendar year. This benefit begins the first day of a covered hospital confinement — no elimination period, no deductible, no copay or coinsurance. Simple to understand, so you know what your plan will pay before you ever go to the hospital.

Inpatient/Outpatient Surgical benefit

A specified amount is paid to you for surgery performed, per calendar year, per insured:

Gold Plan: $1,000 for inpatient surgery / $500 for outpatient surgery

Maximum of one inpatient and one outpatient surgery benefit is payable per calendar year per insured.

Outpatient Physician Office Visit Benefit

$50 benefit paid per visit, up to a maximum of 4 visits per person per calendar year.

Other Outpatient Care and Anesthesia Benefit

$25 benefit paid per visit, up to a maximum of 2 visits combined per person per calendar year for:

• Outpatient Diagnostc X-ray and Laboratory
• Anesthesia

12-month pre-existing condition limitation applies for hospital confinement and surgical benefits. No pre-existing condition waiting period for outpatient benefits. Benefits are subject to change, may vary by state and are subject to the plan's exclusions and limitations.

Ambulance Benefit

$150 benefit per person per calendar year.

Medical Services Discounts through First Health

Consumer's Choice/USA™ includes access to the national First Health Network of health care providers. The First Health Network is one of the nation's largest networks of health care providers, including doctors, hospitals, and ancillary providers. It includes:

• More than 4,700 hospitals and 490,000 doctors and allied health care professionals nationwide
• Locations in all 50 states

Find the First Health providers in your area.

How to Maximize your Savings:

Discounts are made simple!

• Consumer's Choice/USA™ members present their ID card.
• Claims/ medical discounts are electronically processed
• Members receive an explanation of benefits (EOB)
• First Health-negotiated discounted rates only apply to covered services as long as the discounted bill is paid within 30 days from the date of the claim explanation of benefits (EOB). Your payment to the provider can be from insurance proceeds, your credit card, or other accepted payment methods.

How the Plan Works---Claim/Benefit Examples*

*Cites examples of First Health medical provider savings—discounted rates may be higher or lower depending on market and individual medical providers.

**Whether or not insurance benefits are payable, the First Health provider discount may apply to covered services when a First Health medical provider is used. No limit on the number of times used.

NOTE:
Companion Life Insurance Company does not endorse, nor is there any affiliation with the other programs, discounts, vendors, and benefits described herein for the Consumer's Choice/USA™ program of America's Health Care Consumer Association.
 
First Health is not affiliated with Companion Life nor does the medical benefit underwritten by Companion Life contain a PPO benefit provision.

This program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration within a thirty-day period. This program does not make payments directly to health care providers. A list of all program providers within the prospective cardholder’s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Group Dental Service of Maryland, Inc. (GDS-MD), your Discount Medical Plan Organization, 111 Rockville Pike, Suite 950, Rockville, MD 20850, 800-285-0374, www.consumers-choice-usa.com. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered.