Hospital Help Plan | VF-38757 - vfw
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Hospital Help Plan Overview
Depending on the insurance you have, your share of a hospital bill can quickly add up to hundreds - or even thousands - of dollars.
VFW Hospital HELP Plan (Group Hospital Indemnity Insurance) pays cash benefits that will DOUBLE the longer your covered hospital stay.
The Hospital HELP plan starts accruing cash benefits on the first day of your covered hospital stay. That means:
- You can set up protection to help give yourself (and your family) an extra stream of cash benefits...
- One that isn't tied to your medical insurance...
- Paying regardless of any other health plan...
- Putting money back in your wallet if you were sick or hurt and ended up in the hospital.
That means $60.00 a day paid from the first day you enter the hospital. Another $60.00 on day two. Another $60.00 on day three. $60.00 each and every day for 14 full days.
Your cash benefits jump up to $120.00 a day on day 15.
And they stay at that double-benefit $120.00 level ... paying you $120.00 day after day of your hospital stay... all the way through day 30.
It pays FOUR TIMES as much at $240.00 a day... starting on day 31. And those benefits do not go down. You stay at $240.00 a day. Every single day of your hospital stay. All the way until day 365 if needed.
But what if you run into something really serious? Like cancer? Or a heart attack? Or a stay in the Intensive Care Unit? Medical bills can quickly escalate in those situations. Hospital HELP does, too.
Your cash benefit DOUBLES for each day you are hospitalized due to cancer or are confined in the cardiac care or intensive care unit. That means $120.00 a day from day one. $240.00 a day starting on day 15. $480.00 a day from day 31.
These benefit payments are sent directly to you (unless you tell us otherwise).
Spend the money however you want. There will be no questions asked.
But maybe you're wondering what happens if you get your care in a VA hospital. (Many VFW Members proudly served our nation and earned that right). Hospital HELP stands strong for VA care, too. You get $60.00 a day for days 1-14 and $120 a day for days 15-30. Even if your VA care costs you nothing at all.
NOTE: THIS IS NOT A MAJOR MEDICAL HEALTH INSURANCE POLICY. YOU SHOULD BE COVERED UNDER A MAJOR MEDICAL POLICY BEFORE PURCHASING SUPPLEMENTAL INSURANCE SUCH AS THIS OFFER.
Securian Life Insurance Company, the provider of this coverage, is not connected with or endorsed by any government agency, including the U.S. Military or Veteran's Administration (CMS).
Benefits–Paid REGARDLESS OF Medicare, Medical Insurance, or any other insurance
Hospital costs continue rising and there’s currently no end in sight. That’s why it’s so important to have a plan like the VFW Hospital HELP Plan insurance coverage.
The VFW Hospital HELP Plan steps forward with benefits for hospital stays, intensive care, cardiac care or care for cancer, rehabilitative facilities, and V.A. hospitals.
Here’s how it works: The VFW Hospital HELP Plan starts accruing $60.00 a day from Day 1 of your hospital stay. That’s $420.00 paid straight to you 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 $120.00 a day … $840.00 a week.
Your doctor wants you to continue your recovery in a rehabilitative facility? Your cash benefits continue with $60.00 a day sent straight to you on day one. Benefits continue to be paid to you each day up to day 100.
Take a look at the benefits available through the VFW Hospital HELP Plan.
HOSPITAL CASH BENEFITS:
CANCER, INTENSIVE OR
VA CARE CASH BENEFITS*:
REHABILITATION CASH BENEFITS:
Monthly Rates for VFW Members & Spouses
|Member’s Age||Member Only||Member & Spouse|
You will be billed monthly.
Rates do not include a $3.50 administrative fee per premium payment for direct bill payment, or a $3.00 administrative fee per premium payment for credit card payments, or a $1.25 administrative fee per premium payment for automatic bank deduction.
Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.
Your Hospital HELP Plan insurance coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain a VFW member in good standing, and the Master Policy, under policy series 17-50955, remains in force. Residents of AK, CO, MT, NV, VT and WA will be issued individual policy form series 17-51094.
Doesn’t Medicare or my Medical Insurance pay all of my hospital bills?
Generally, the answer is “no.” Medicare may not pay all of your hospital costs. When you go to the hospital, Medicare and most major medical insurance plans require you to pay a deductible … co-payments … balance billing … and goods and services in the hospital not covered by your plan. As a result, your out-of-pocket hospital bills could add up to hundreds, if not thousands of dollars– even for a short stay. The Hospital HELP Plan pays you a flat indemnity payment to help with your non-medical, out-of-pocket costs while in the hospital.
Securian Life Insurance Company, the provider of this coverage, is not connected with or endorsed by any government agency, including the Centers for Medicare and Medicaid.
Do I need a medical exam to enroll?
Absolutely not. There are NO medical exams or health questions involved when you sign up for this important program. As a VFW Member, you (and your spouse) are GUARANTEED coverage – no matter what your age or health now. (subject to the pre-existing conditions provision.*)
I’ve had health problems in the past. Can I still sign up?
Yes. As soon as your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Any injury or sickness you’ve had in the last twelve months will not be covered until you’ve gone twelve consecutive months with no medical treatment or you’ve been covered by the Hospital HELP Plan for one continuous year, whichever happens first.
If I go to the hospital many times, will I lose this coverage?
No. It doesn’t matter how often you need to stay in the hospital. You can NEVER be singled out as an individual for cancellation or even a rate increase. So there is NO LIMIT to the number of claims you can make.
What if I decide Hospital HELP Plan isn’t right for me?
There’s no obligation with the program’s 30-Day Free Look. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not complete satisfied, just let us know. We’ll cancel your coverage and give you a complete 100% refund of any premium you've paid as long as you haven’t made any claims during that time.
*A pre-existing condition is an Injury or sickness for which medical advice, care,diagnostic measures, or treatment was recommended or received by a Physician for that same or related Injury or Sickness within the twelve months immediately(six months in ID, NV and SD) prior to your Effective Date of Coverage. A hospital confinement from a pre-existing condition will not be covered until the date the insured person has gone for twelve consecutive months with no medical treatment for that condition or has been insured under the Group Policy for one continuous year, whichever occurs first. (Please note there is no pre-existing condition limitation for New Hampshire residents.)
The VFW Hospital HELP Plan does not pay benefits for the following:
- Routine physical exam or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary.
- Intentionally self-inflicted Injury, while sane or insane.(Missouri while sane)
- Treatment of a nervous or mental condition.
- Alcoholism or drug addiction.
- Injuries resulting from active military service.
- Dental care, except as a result of Injury to sound natural teeth.
- Well-baby care of a Newborn Dependent child.
- Treatment or service rendered in any Hospital or Convalescent Facility owned or operated by the Federal Government where, in the absence of insurance, there is no legal obligation to pay.
- Declared or undeclared war or any act of war.
- Pregnancy (except Complications of Pregnancy, as defined in this Policy).
- Expenses incurred or care received outside of the United States.
- Participating in a riot; or committing an assault or felony.
Benefits will be limited for hospitals owned or operated by the national government, up to 30 days per period of confinement.
All new injuries or illnesses will be covered immediately after your Hospital HELP coverage goes into effect. Hospitalization due to any injury or sickness for which medical advice, care, diagnostic measures, or treatment was recommended or received by a Physician for that same or related Injury or Sickness within the twelve months (six months in ID, NV and SD) immediately prior to your Effective Date of Coverage condition will not be covered until the date the insured person has gone for twelve consecutive months with no medical treatment for that condition or has been insured under the Group Policy for one continuous year,whichever occurs first. (Please note there is no pre-existing condition limitation for New Hampshire residents.)
These materials provide a brief description of the benefits available. Complete details may be found in the Group Policy No. 9400/9401/9402. Some provisions, benefits, exclusions or limitations may vary depending on your state of residence. In the event of any discrepancy between this information and the policy/certificate, the terms of the policy/certificate will apply. Complete coverage information is in the Certificate or Policy issued to each insured individual. THIS IS A LIMITED POLICY.
Securian Life Insurance Company,
St. Paul, MN 55101
P.O. Box 26610, Phoenix, AZ 85068
Questions? Call toll-free 1-877-850-0183
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, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.
This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
- Physician services
- 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).
Securian is not connected with or endorsed by any government agency, including the Centers for Medicare and Medicaid (CMS).
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TAKE A CLOSER LOOK AT NO OBLIGATION
You won't risk one penny by signing up for the VFW Hospital HELP Plan insurance today. That's because you have a 30-Day “Free Look.”
As soon as your coverage is approved, we'll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive VFW program. Take up to 30 days to look it over. If it wasn't what you had in mind, just mail back the Certificate. We'll close your benefit file and issue a complete refund off all premiums paid. No questions asked.