Individual Health Insurance - Time Insurance Company Resources

Plans Offered:

One Deductible Plan PPO:

One Deductible Plan Traditional:

Physician/Hospital PPO Plan:

PPO X-tra Plan:

Traditional Plan:

Value Plan:

Plan Name	One Deductible Plan PPO
Details Brochure	No brochure available
Plan Description Benefit	The One Deductible PPO Plan offers one deductible for all covered expenses, including prescriptions.
Plan Deductible Benefit	1500
Plan Out of Network Deductible Benefit	$1,500
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$1,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	Not applicable - this is an individual plan
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Subject to deductible and coinsurance
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	One Deductible Plan PPO
Details Brochure	No brochure available
Plan Description Benefit	The One Deductible PPO Plan offers one deductible for all covered expenses, including prescriptions.
Plan Deductible Benefit	2550
Plan Out of Network Deductible Benefit	$2,550
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$1,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	Not applicable - this is an individual plan
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Subject to deductible and coinsurance
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	One Deductible Plan PPO
Details Brochure	No brochure available
Plan Description Benefit	The One Deductible PPO Plan offers one integrated deductible for all covered persons and for all covered expenses, including prescriptions. There are no individual deductibles to satisfy with this plan.
Plan Deductible Benefit	1750
Plan Out of Network Deductible Benefit	$3,500 per family
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$1,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$0 in network, $1,000 out of network - deductible not included in this amount
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Subject to deductible and coinsurance
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	One Deductible Plan Traditional
Details Brochure	No brochure available
Plan Description Benefit	The One Deductible Traditional Plan offers one integrated deductible for all covered persons and for all covered expenses, including prescriptions. There are no individual deductibles to satisfy with this plan. There is no network of providers with this plan.
Plan Deductible Benefit	2550
Plan Out of Network Deductible Benefit	$5,100 per family
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	Not applicable - there is no network with this plan
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	Not applicable - there is no network with this plan
Plan Family Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Subject to deductible and coinsurance
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Physician/Hospital PPO Plan
Details Brochure	No brochure available
Plan Description Benefit	The Physician/Hospital PPO Plan offers enhanced benefits and multiple options.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$2,000 per person, $4,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$2,000 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$4,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$4,000 in network, $8,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	$30 copay per visit. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	$30 copay per visit. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay per visit
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Physician/Hospital PPO Plan
Details Brochure	No brochure available
Plan Description Benefit	The Physician/Hospital PPO Plan offers enhanced health benefits and multiple options.
Plan Deductible Benefit	2500
Plan Out of Network Deductible Benefit	$3,500 per person, $7,500 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$2,000 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$4,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$4,000 in network, $8,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	$30 copay per visit. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	$30 copay per visit. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay per visit
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	PPO X-tra Plan
Details Brochure	No brochure available
Plan Description Benefit	The PPO X-tra Plan is designed to offer expanded health benefits.
Plan Deductible Benefit	2500
Plan Out of Network Deductible Benefit	$3,500 per person, $10,500 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$2,000 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$4,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	$25 copay per visit for up to two visits per person per calendar year. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	$25 copay per visit for up to two visits per person per calendar year. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$25 copay per visit for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	PPO X-tra Plan
Details Brochure	No brochure available
Plan Description Benefit	The PPO X-tra Plan is designed to offer expanded health benefits.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$2,000 per person, $6,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$2,000 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$4,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	$25 copay per visit for up to two visits per person per calendar year. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	$25 copay per visit for up to two visits per person per calendar year. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$25 copay per visit for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Traditional Plan
Details Brochure	No brochure available
Plan Description Benefit	The Traditional (Indemnity) Plan offers the freedom to choose your own providers of health care.
Plan Deductible Benefit	2500
Plan Out of Network Deductible Benefit	Not applicable - no network with this plan
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	Not applicable - no network with this plan
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	Not applicable - no network with this plan
Plan Family Out of Pocket Maximum Benefit	$0 - deductibles not included in this amount
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Traditional Plan
Details Brochure	No brochure available
Plan Description Benefit	The Traditional (Indemnity) Plan offers the freedom to choose your own providers of health care.
Plan Deductible Benefit	5000
Plan Out of Network Deductible Benefit	Not applicable - no network with this plan
Plan Coinsurance Benefit	You pay 0% of covered medical expenses
Plan Out of Network Coinsurance Benefit	Not applicable - no network with this plan
Plan Out of Pocket Maximum Benefit	$0 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	Not applicable - no network with this plan
Plan Family Out of Pocket Maximum Benefit	$0 - deductibles not included in this amount
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$3,000,000
Plan Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	Subject to deductible and coinsurance
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 20% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Value Plan
Details Brochure	No brochure available
Plan Description Benefit	The Value Plan is designed to be economical. Basic health benefits are provided.
Plan Deductible Benefit	500
Plan Out of Network Deductible Benefit	$1,500 ($1,000 in TX) per person, $4,500 ($3,000 in TX) per family
Plan Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 70% of covered medical expenses (50% in TX and CT)
Plan Out of Pocket Maximum Benefit	$2,500 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$5,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$2,000,000
Plan Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance plus an initial $500 inpatient facility fee
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance plus an initial $250 outpatient surgical facility access fee
Plan Office Visits Benefit	$25 copay for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 50% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Value Plan
Details Brochure	No brochure available
Plan Description Benefit	The Value Plan is designed to be economical. Basic health benefits are provided.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$2,000 per person, $6,000 per family
Plan Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 70% of covered medical expenses (50% in TX and CT)
Plan Out of Pocket Maximum Benefit	$2,500 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$5,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$2,000,000
Plan Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance plus an initial $500 inpatient facility fee
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance plus an initial $250 outpatient surgical facility access fee
Plan Office Visits Benefit	$25 copay for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 50% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Value Plan
Details Brochure	No brochure available
Plan Description Benefit	The Value Plan is designed to be economical. Basic health benefits are provided.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$2,000 per person, $6,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$3,500 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$7,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$2,000,000
Plan Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance plus an initial $500 inpatient facility fee
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance plus an initial $250 outpatient surgical facility access fee
Plan Office Visits Benefit	$25 copay for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 50% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

Plan Name	Value Plan
Details Brochure	No brochure available
Plan Description Benefit	The Value Plan is designed to be economical. Basic health benefits are provided.
Plan Deductible Benefit	2000
Plan Out of Network Deductible Benefit	$3,000 per person, $9,000 per family
Plan Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 70% of covered medical expenses (50% in TX and CT)
Plan Out of Pocket Maximum Benefit	$2,500 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$5,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$2,000,000
Plan Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance plus an initial $500 inpatient facility fee
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance plus an initial $250 outpatient surgical facility access fee
Plan Office Visits Benefit	$25 copay for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 50% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit

Plan Name	Value Plan
Details Brochure	No brochure available
Plan Description Benefit	The Value Plan is designed to be economical. Basic health benefits are provided.
Plan Deductible Benefit	5000
Plan Out of Network Deductible Benefit	$6,000 per person, $18,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$3,500 - deductible not included in this amount
Plan Out of Network Pocket Maximum Benefit	$10,000 - deductible not included in this amount
Plan Family Out of Pocket Maximum Benefit	$7,000 in network, $20,000 out of network - deductibles not included in these amounts
Maternity Benefit	Optional with additional premium. If chosen, includes prenatal care, routine delivery services and routine inpatient newborn services. Covered the same as any other medical service. There is a nine month waiting period. If conception occurs during the first 270 days of coverage, the pregnancy will not be covered.
Plan Lifetime Maximum Benefit	$2,000,000
Plan Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Child Preventive Care Benefit	Available after the plan has been in force for one year. Subject to deductible and coinsurance. $500 calendar year maximum per person.
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance plus an initial $500 inpatient facility fee
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance plus an initial $250 outpatient surgical facility access fee
Plan Office Visits Benefit	$25 copay for up to two non-wellness visits per person per calendar year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an initial $75 fee (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$500 deductible per person; $10 copay for generic; $25 copay plus 50% coinsurance for brand-name. If you choose brand name when generic is available, you pay the difference between the two.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for any condition for which treatment has been received in the 12 month period immediately preceeding the policy effective date until the insured has been continuously insured by Fortis for 12 months.

BC Life and Health
Blue Cross of California
Celtic Insurance Company
Health Net Life Insurance Company
PacifiCare Health Systems
UniCare Life and Health Insurance Company
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Name:	Time Insurance Company
Description:	Time Insurance Company is a member of Assurant Health. In business since 1892, Assurant Health provides health insurance coverage for more than one million people nationwide. Assurant Health develops and provides a wide range of individual medical, small group, short term and student health insurance products, including consumer-choice products such as HSAs and HRAs. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, WI, and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country. Assurant Health products are issued and underwritten by Time Insurance Company, John Alden Life Insurance Company, and Union Security Insurance Company. Assurant Health is found at www. assuranthealth.com. Assurant Health is part of Assurant, which offers specialized insurance products and related services in North America and selected other markets.
Website:	http://www.assurant.com
Customer Service:	1-800-800-1212
Address:	501 West Michigan Milwaukee, WI 53201-0624
Not Offered by QuickQuote in:	AK, AL, DC, HI, ID, KY, MA, ME, ND, NH, NJ, NY, TX, VT, WA, WY
Year Founded:	1892
AM Best Rating:	A- as of 2006
S&P Rating:	A