Selected Points/Features (see policy for complete list and full details)
Major medical up to $1,000,000 of coverage
$1,000 through $10,000 deductibles
Coinsurance 70/30 or 80/20
$1,000 – $10,000 Max Out-of-Pocket (Does not include deductible)
Rx – discount Card only (We recommend using goodrx.com as an alternative.)
Network or Non-Network Plans. Network plans with PPO network. Non-Network plans – use any doctor – claims should be sent to Allied and they will apply normal network discounts which most providers will accept. (Reference-based billing)
Coverage effective as early as midnight
Premium either Monthly or non-refundable Prepay (saving about 15%)
Not a PPACA qualified plan
NO Copays – all eligible charges apply to deductible.
NO Wellness, Maternity, Mental or Substance Abuse coverage
Pre-existing Condition Clause “Pre-existing Conditions Charges resulting directly or indirectly from a condition for which a Covered Person received medical treatment, diagnosis, care or advice within the sixty-month period immediately preceding such person’s Effective Date are excluded for the first 12 months of coverage hereunder.”
Coverage limited to 180 days in Illinois. Other states have different rules that allow longer coverage.