Hospital HELP Plan
Cash benefits to help pay YOUR portion of medical bills incurred as a result of a covered hospital stay. Or, to use as you choose!
Even with major medical insurance, Medicare, or Medicare Supplement Insurance, a hospital stay often leaves a significant portion of the bill that’s your responsibility.
Hospital HELP Plan
Group Hospital Indemnity Insurance
To help pay your expenses associated with a covered hospital stay.
Depending on the insurance you have, your share of a hospital bill can quickly add up to hundreds – or even thousands of dollars.
The NRA approved Hospital HELP Plan pays cash benefits that will DOUBLE the longer your covered hospital stay.
With the Hospital HELP Plan, you begin accruing cash benefits on the first day of your covered hospital stay, providing you and your family added financial protection. The cash benefits are paid regardless of other insurance you may have. For a covered hospital stay, the plan will pay:
$50 for each and every day beginning with your day of admission through day 14. Then doubles to:
$100 for each and every day beginning on your 15th day through day 30. Then doubles to:
$200 for each and every day beginning on your 31st day through day 365.
The above benefit levels DOUBLE for covered hospital stays due to cancer, or when you are are confined in the cardiac care or intensive care unit. That means $100 a day from day 1 – 14; $200 a day from day 15 – 30; $400 a day from day 31 through 365.
Your accumulated cash benefits are sent directly to you (unless you tell us otherwise). Spend the benefits as you choose.
But maybe you’re wondering what happens if you get your care in a VA hospital. Hospital HELP stands strong for VA care, too. You get $50 a day for days 1-14 and $100 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.
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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 the NRA approved Hospital HELP Plan.
The Hospital HELP Plan provides cash benefits for covered hospital stays, intensive care, cardiac care or care for cancer, rehabilitative facilities, and VA hospitals.
Here’s how it works: The NRA approved Hospital HELP Plan starts accruing $50 a day from Day 1 of your covered hospital stay. That’s $350 in cash benefits paid to you if you should incur a 7-day hospital stay.
You’re in the hospital for cancer? Or you need extra care in an intensive or cardiac care unit? Your cash benefits DOUBLE to $100 a day … $700 a week.
Your doctor wants you to continue your recovery in a rehabilitative facility? Your cash benefits continue with $50 a day from day one. Benefits continue to be paid to you for each day, up to day 100.
Take a look at the benefits available through the NRA approved Hospital HELP Plan.
HOSPITAL CASH BENEFITS: |
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CANCER, INTENSIVE OR |
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VA CARE CASH BENEFITS*: |
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REHABILITATION CASH BENEFITS: | $50 PER DAY |
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Monthly Rates for NRA Members & Spouses
| Member’s Age | Member Only | Member & Spouse |
|---|---|---|
| Under 50 | $7.38 | $14.76 |
| 50-64 | $12.66 | $25.32 |
| 65+ | $14.50 | $29.00 |
You will be billed monthly.
Above rates do not include a $3.50 monthly administrative fee per monthly premium payment if paying by direct bill, a $3.00 monthly administrative fee per monthly premium payment if paying by credit card or a $1.25 monthly administrative fee per monthly premium payment if paying by automatic checking withdrawal.
Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.
Upon the Plan Administrator receiving your enrollment form and first month premium, you will be mailed a Certificate/Policy of insurance which will note your effective date of coverage. The effective date on the schedule of benefits applies upon receipt of your payment and activation form. 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 and the Master Policy form number HIP01 remains in force. Residents of MT and NH will be issued individual Master Policy form number HIIP01.
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Doesn’t Medicare or my medical insurance pay all of my hospital bills?
Generally, the answer is “no.” Medicare may not pay all your hospital costs. When you go to the hospital, Medicare and most major medical insurance plans require you to pay a deductible … co-payments … 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 provides you with cash benefits which you can use to pay for these non-covered expenses, or for other expenses you may incur. Central States Health & Life Co. of Omaha, the underwriter of this coverage, is not connected with or endorsed by any government agency, including the Centers for Medicare and Medicaid Services (CMS).
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 an NRA Member, you (and your spouse) are GUARANTEED coverage – no matter your current age or health status (subject to the pre-existing conditions provisions.*)
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?
You will have a no obligation 30-Day Free Look. After receiving and processing your enrollment form, we will send you a Certificate/Policy of Insurance. Look it over for a full 30 days. If you’re not completely 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 sustained or a 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 his Effective Date of Coverage under this Policy. A Confinement resulting from a Pre-existing Condition will not be covered until twelve consecutive months have elapsed during which no medical treatment or advice is given by a Physician for such condition; or the Covered Person has been insured under this Policy for twelve consecutive months, whichever occurs first.
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The NRA approved 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 in a war zone.
- 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 VA Hospitals or United States Department of Veterans Affairs (VA) Hospital, 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. The effective date on the schedule of benefits applies upon receipt of your payment and activation form. 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.)
THIS IS A LIMITED POLICY.
Terms and conditions of coverage are set forth in Group Policy Numbers AGMPHIG/AGMPHID/AGMPHII, Master Policy form number HIP01 issued by Central States Health & Life Co. of Omaha. Residents of MT and NH will be issued individual Master Policy form number HIIP01. These materials provide a brief description of the benefits available. Complete coverage information is in the Certificate/Policy issued to each insured individual. Some provisions, benefits, exclusions or limitations may vary depending on your state of residence. This plan may not be available in all states. In the event of any discrepancy between this information and the Certificate/Policy, the terms of the Certificate/Policy will apply.
NRA Member dues or contributions are not used for this promotion, program or any other related expenses.
Offered through:
A.G.I.A., Inc.
Underwritten by:
Central States Health & Life Co. of Omaha
Administered by:
A.G.I.A., Inc.
P.O. Box 9159, Phoenix, AZ 85068
Questions? Call toll-free 1-877-672-3006
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:
- Hospitalization
- Physician services
- Hospice
- 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).
Central States Health & Life Co. of Omaha is not connected with or endorsed by any government agency, including the Centers for Medicare and Medicaid Services (CMS).
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TAKE A CLOSER LOOK WITH NO OBLIGATION
You won’t risk one penny by signing up today for the NRA approved Hospital HELP Plan. That’s because you have a 30-Day “Free Look.”
After your coverage is approved, we’ll mail your Certificate of Insurance/Policy outlining the full terms and conditions of this exclusive NRA approved program. Take up to 30 days to look it over. If it wasn’t what you had in mind, just mail back the Certificate/Policy. We’ll cancel your coverage and issue a complete refund of all premiums paid. No questions asked.
