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Missionary Medical Insurance > Messenger > Benefit Schedule
CitizenSecure SM Messenger
| CitizenSecure Messenger | Schedule of Benefits |
| Standard Furlough | Up to 12 months |
| Coverage Area | Worldwide |
| Overall Policy Maximum | $5,000,000 Lifetime |
| Deductibles Available | $250, $500, $1,000, $2,500 or $5,000 per Certificate Period. |
| Family Deductible | Maximum of 3 Deductibles per family per Certificate Period |
| Coinsurance -- Claims incurred in US or Canada | 80% of the next $5,000 of Eligible Medical Expenses after the Deductible, then 100% to the Overall Policy Maximum. The Coinsurance will be waived if expenses are incurred within the PPO. |
| Coinsurance -- claims incurred outside US or Canada | 100% of Eligible Medical Expenses after the Deductible to the Overall Policy Maximum. |
| Hospital Room and Board -- In US or Canada | Average Semi-private room rate. |
| Hospital Room and Board -- Outside US or Canada | Average Private room rate. |
| Intensive Care Unit -- In US or Canada | Usual, Reasonable and Customary. |
| Intensive Care Unit -- Outside US or Canada | Usual, Reasonable and Customary. |
| Prescription Drugs | Usual, reasonable and customary (subject to deductible and co-insurance) |
| Mental Health Disorders | $10,000 per Certificate Period ; $25,000 Lifetime Maximum, $50 maximum per visit per day for outpatient care (after 12 months of continuous coverage). |
| Maternity -- Normal Delivery | After the Deductible, Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses after the Deductible, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post- natal care. (after 12 months of continuous coverage). |
| Maternity -- Complicated Delivery | After the Deductible, Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses after the Deductible, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post- natal care. (after 12 months of continuous coverage). |
| Maximum for Maternity | $250,000 Lifetime |
| Newborn Care | Included as part of Maternity benefits for maximum of 31 days. |
| Pre-existing Conditions | Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider. |
| Local Ambulance | Usual, Reasonable and Customary. |
| Physical Therapy | $50 Maximum per visit. |
| Wellness | $50 per visit (including immunizations), maximum of 3 visits per year for children under the age of 19 (after 12 months of coninuous coverage). $250 per Certificate Period (after 12 months of continuous coverage) for Members age 35 or older. Not subject to Deductible. |
| Human Organ/Tissue Transplants* | Same as any other Illness for Covered Transplants. |
| All Other Eligible Expenses | Usual, Reasonable and Customary. |
| Emergency Medical Evacuation | $50,000 Lifetime Maximum. |
| Repatriation of Remains | $25,000 Limit |
| Emergency Reunion | $10,000 Lifetime Maximum. |
| Pre-certification Penalty | 50% |
| * Covered transplants include Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver, and Allogenic and Autologous Bone Marrow | |
Optional Term Life Insurance and Accidental Death and Dismemberment
| Age | Option 1 - Principal Sum |
Option 2 - Principal Sum |
| 19 to 59 | $50,000 |
$100,000 |
| 60 to 64 | $25,000 |
$50,000 |
| 65 to 69 | $10,000 |
Not Available |
| Dependent Child | $5,000 |
Not Available |
| Accidental Death | Principal Sum |
| Accidental Loss of Two Members | Principal Sum |
| Accidental Loss of One Member | 50% of Principal Sum |
| Optional Dental Rider | ||||||||
| Certificate Period 1 | Certificate Period 2 | Certificate Period 3 | ||||||
| Preventative Dental Benefits Children age 9 through 16 (after 3 months of continuous coverage) | 100% | 100% | 100% | |||||
| Basic Dental Benefits (after 6 months of continuous coverage) | 50% | 65% | 80% | |||||
| Major Dental Benefits (after 6 months of continuous coverage) | 30% | 40% | 50% | |||||
| Dental Deductible | $100.00 per Certificate Period | $100.00 per Certificate Period | $100.00 per Certificate Period | |||||
| Maximum Dental Benefits | $500.00 per Certificate Period | $750.00 per Certificate Period | $1,000.00 per Certificate Period | |||||