Hospital Charges

Inpatient or Outpatient hospital treatment or surgery for a medically diagnosed condition.

Specialist Services

Physician services for an Illness or Injury related to each medical incident.

Emergency Room

Emergency room services for stabilization or initiation of treatment of a medical emergency condition provided on an outpatient basis at a Hospital, Clinic or Urgent Care Facility, including when Hospital Admission occurs within 23 hours of emergency room treatment.

Prescription Drugs

Prescriptions 45 days before and after each related medical incident.

Chiropractic Treatment

Up to 12 visits per membership year for treatment of skeletal or musculoskeletal disease or injury.

Physical Therapy

Up to 20 visits per membership year for physical therapy by a licensed physical therapist.

Home Health Care

Skilled care services at home for up to 30 days by a Home Health Care Agency for each related medical incident provided such home care reduces the expected medical expense and replaces hospital or nursing home services.

Ambulance

Emergency land or air ambulance transportation to the nearest medical facility capable of providing the medically necessary care to avoid seriously jeopardizing the Sharing Member’s life or health.

Naturopathic and/or Alternative treatments