Overview

Why is this so important?

Because even with major medical coverage, a sudden trip to the hospital often leaves significant medical bills for YOU to pay.

No matter how good your medical coverage is, it generally doesn’t cover EVERYTHING. You’re responsible for deductibles … co-payments … even hospital tests that aren’t covered by your medical insurance.

That’s why the Hospital Pay-To-You Plan was created. This program pays you:

• Benefits from Day 1 of your hospital stay
• DOUBLE Benefits if you need care for cancer or treatment in an intensive care or cardiac care unit
• Benefits for Rehabilitation Facilities … and Inpatient stays at VA Hospitals.
• THIS IS A HOSPITAL INDEMNITY ONLY POLICY.

Put Money Back In Your Pocket To Help With Doctor & Hospital Expenses

The Hospital Pay-To-You Plan gives you benefits − PAID REGARDLESS OF any benefits you get from medical insurance, Medicare or any other coverage you may have.

This member-only Kiwanis Plan steps forward with cash benefits for hospital stays … intensive care, cardiac care or care for cancer … and even rehabilitation facilities.

Benefits

Here’s how it works:

Hospital Pay-To-You Plan starts paying $50.00 a day on Day 1 of your hospital stay. That’s $350.00 paid straight to you or anyone you choose if you stay a week.

You’re in the hospital for cancer? Or you need extra care in an intensive or cardiac care unit? Your cash benefits DOUBLE to $100.00 a day … $700.00 a week.

Your doctor wants you to finish recuperating in a rehabilitation facility? Your cash benefits continue – with $50.00 a day sent straight to you.

Take a look at the important cash benefits available through Hospital Pay-To-You:

Hospital Stays	$50.00 per day Days 1-14	$100.00 per day Days 15-30	$200.00 per day Days 31-365
Cancer, Intensive or Cardiac Care**	$100.00 per day Days 1-14	$200.00 per day Days 15-30	$400.00 per day Days 31-365
REHABILITATION* Facility	$50.00 per day Days 1-100
V.A. Hospital** Up to 60 days per calendar year	$50.00 per day Days 1-60
Intensive or Cardiac Care*	$100.00 per day Days 1-14	$200.00 per day Days 15-30	$400.00 per day Days 31-365

*For all covered persons ending when the member reaches age 85.
** In Lieu of Hospital Benefit above.

Rates

The Hospital Pay-To-You Plan stands as a special bargain for Kiwanis members … especially when you consider that your benefits can easily add up to hundreds – even thousands – of dollars.

Monthly Rates Reserved for Kiwanis Families:

Member's Age	Member	Member & Spouse
65-74	$13.91	$26.82
75+	$16.10	$31.20

Rates include a $1.00 Administrative Fee. You will be billed monthly through automatic bank checking. Please note: you may also have the
option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums
monthly, quarterly or semi-annually, the total amount of premiums and/or administrative fees you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

Your Hospital Pay-To-You Plan becomes effective on the first day of the month following receipt of your Express Activation Form and your first payment to the Kiwanis Member Benefit Administration.

Terms

Please Read Regarding Your Hospital Pay-To-You Coverage

Pre-Existing Conditions Any injury or sickness for which medical advice, care, or treatment was received during the consecutive twelve-month period immediately prior to the insured person’s Effective Date will not be covered until the date the insured person has been insured under the Group Policy for twelve consecutive months. Exclusions Benefits will not be paid for loss caused by or resulting from: intentionally self-inflicted injuries; voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of, a doctor; driving while intoxicated or driving under the influence of a controlled substance unless administered under the advice of a doctor; commission of, or attempt to commit, a felony; participation in a riot or insurrection; declared or undeclared war or act of war; active duty in the armed forces; pregnancy or childbirth; elective abortion or complications of such abortion; any mental or nervous disease or disorder (except for a maximum of 30 days confinement per calendar year); dental surgery; for services and treatment rendered in a non-profit charitable institution; or elective or cosmetic surgery.

Exclusions may vary by state. Please see your Certificate of Insurance for details. Benefits will be limited for hospitals owned or operated by the federal government; up to 60 days per period of confinement. *This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare, or other health coverage that meets “minimum essential coverage” as defined by the Affordable Care Act. **Rehabilitation Benefit ends at age 85.

 

Offered by: Kiwanis International

Offered by:
Association Group Insurance Administrators

Underwritten by:
Transamerica Premier Life Insurance Company,
Cedar Rapids, Iowa

Administered by:
A.G.I.A., Inc.
P.O. Box 26840, Phoenix, AZ 85068
Questions? Call toll-free 1-844-603-0567

IMPORTANT NOTICE TO PERSONS ON MEDICARE

THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy.

This insurance pays a fixed amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

This insurance duplicates Medicare benefits when: any expenses or services covered by the policy are also covered by Medicare. Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• Hospitalization
• Physician services
• Hospice
• Outpatient prescription drugs if you are enrolled in Medicare Part D
• Other approved items and services

Before You Buy This Insurance

• Check the coverage in all health insurance policies you already have.
• For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
• For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).