Up to $60.00 a Day
The Plan pays $45.00 up to $60.00 daily benefits for each day you’re Hospitalized for any covered Injury or Sickness.
As a member under age 65 and a resident of the United States, you and your family are GUARANTEED ACCEPTANCE in the Hospital Income Insurance Plan. However, insurance benefits payable are subject to the policy's Pre-Existing Conditions Limitation. You, your spouse, and unmarried children can enroll in the Plan.
Protection Starts Right Away
Your protection will start the first day of the month after we receive your Enrollment Form and first premium payment and you are not currently confined in a hospital. Benefits are paid from the first day you’re Hospitalized. There are no deductibles. You’re covered right away for Hospital stays due to new health conditions. And, after 12 months, you’re covered for any existing conditions, too.
Benefits Paid Directly to You
All benefits are paid directly to you unless you tell us to send them right to your doctor or Hospital.
The group buying power of AFSA members secured the following affordable monthly rates*:
| ||$60.00 Daily Benefit ||$45.00 Daily Benefit |
|Age ||Member ||Spouse ||Member ||Spouse |
|Under 40 ||$10.00 ||$14.49 ||$7.50 ||$11.05 |
|40-49 ||$14.70 ||$19.79 ||$11.03 ||$15.03 |
|50-59 ||$21.50 ||$22.24 ||$16.13 ||$16.87 |
|60-64 ||$30.00 ||$30.74 ||$22.50 ||$23.24 |
|65-74 ||$52.50 ||$55.90 ||$39.38 ||$41.93 |
|75 & over ||$73.00 ||$75.15 ||$54.75 ||$56.37 |
|All Children ||$15.92 ||$11.94 |
One rate covers all your children—no matter how many you have. Children’s coverage can’t be more than half your coverage. For example, with the $60.00 daily benefit, each of your children may be covered for $30.00 a day.
*You will be billed quarterly unless you say otherwise. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option. Multiply the above rate by 3 to calculate your quarterly premium.
Premiums are based on each person’s age when coverage becomes effective and increase on January 1 after the next highest age bracket is reached. Rates and/or benefits may be changed on a class basis.
Keep Your Coverage for the Long Haul
You can keep your Hospital Income Insurance Plan up to age 100 — no matter what your health. As long as you pay your premiums when due, continue your AFSA membership, and the Master Policy remains in force, you may continue this valuable protection. Your children may continue their coverage as long as they are under age 21, or 23 if full-time students, premiums paid, and your coverage remains in effect. Your spouse can continue his or her coverage as long as you are not legally divorced. Your dependent’s coverage will remain in effect as long as your coverage is active and premiums are paid.
Up to Five Years Payment
You’ll get Hospital income benefits for up to five years for any one period of Hospitalization (one year if you are older than age 65). When you go to the Hospital several times because of the same or related Injury or Sickness—if those times aren’t separated by 90 or more days—they are considered the same period of Hospitalization.
Pays You Benefits
You can receive benefits regardless of what you may collect from other insurance plans. Your benefit amount will not decrease as you get older.
Your daily benefit doubles up to a maximum of $120.00 if you’re Hospitalized in the Intensive Care Unit.
|Plan Details |
| ||Summary |
|Type of Insurance ||Hospital Income |
|Designed For ||AFSA members and dependents. |
|Underwritten By ||Hartford Life Insurance Company |
|Form Number ||SRP-1151 A (HL) (5176) |
|Group Policy Number ||AGP-5176 |
Other Important Information About This Coverage
A Hospital must be engaged primarily in medical care and treatment of sick and injured persons on an inpatient basis, have full surgical facilities, be under the supervision of legally qualified physicians, and provide 24-hour R.N. nursing services to qualify. A sanitarium operated by or certified by the First Church of Christ, Scientist, Boston, Massachusetts, also qualifies. A convalescent home; skilled nursing facility, a place for rest, custodial care, or for the aged; or a place primarily for mental illness, drug addiction, or alcoholism does not qualify. Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury.
However, a place for the treatment of mental, nervous, and emotional disorders will be regarded as a Hospital if it is part of an institution that meets the above requirements and is listed in the American Hospital Association Guide as a general Hospital.
Pre-Existing Condition Limitation:
During the first year of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-Existing Condition means any Injury or Sickness including pregnancy; diagnosed or undiagnosed, for which you have received medical care within the 12-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all other accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over.
They include: intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane, (in Missouri or Colorado while sane); any loss caused or contributed to by war or act of war, whether war is declared or not; pregnancy or childbirth, except Complications of Pregnancy; pre-existing conditions as defined in the Pre-Existing Condition Limitation provision. Upon request, we will refund the pro-rata portion of any premium paid for the period a Covered Person is in the armed forces.
IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS
This is not Medicare Supplement Insurance
This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits when:
- any expenses or services covered by the policy are also covered by Medicare.
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
- physician services
- 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 health insurance, contact your state insurance department or state senior insurance counseling program.
Form PA 9055
SRP–1151 A (HL) (5176)