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Missionary Medical Insurance > Messenger > Benefit Schedule

MultiNational Underwriters

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
The Benefit is based on your age at time of Death or Dismemberment. "Member" means hand, foot or eye.
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
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