Product Info

Hybrid

Hybrid is designed to help limit your out-of-pocket expenses for larger medical expenses such as hospital confinements and inpatient and outpatient surgery.

If you’re looking for limited protection against hospital/medical/surgical expenses, rather than major medical coverage, you can save premium dollars and still be protected with Hybrid.

Hybrid covers specific hospital, medical and surgical expenses when you need them most. You can choose between a PPO or traditional plan and two deductible choices.

Hybrid	Hybrid Traditional	Hybrid 70
Lifetime Maximum per covered person- $3 million Aggregate maximum for any one illness or injury- $100,000 or $250,000	After the per hospital confinement deductible, the plan pays hospital expense benefit maximums of $750, $1,000 or $1,500 per day of hospital confinement. Pays 70%, of the first $10,000 of covered expenses, then 100% thereafter for inpatient medical and surgical services received at a participating or non-participating provider, after chosen deductible level (not to exceed aggregate maximum benefit per illness or injury or lifetime maximum benefit). It also pays 80%, not to exceed your chosen benefit maximum (after $100 deductible), for outpatient medical expenses received at a participating or non-participating provider.	After the per hospital confinement deductible, the plan pays PPO hospital expense benefit maximums of $750, $1,000 or $1,500 per day of hospital confinement. Pays 70%, of the first $10,000 of covered expenses, then 100% thereafter for inpatient medical and surgical services and outpatient surgical services received at a participating provider, after chosen deductible level (not to exceed aggregate maximum benefit per illness or injury or lifetime maximum benefit). Pays 80%, not to exceed your chosen benefit maximum (after $100 deductible), for outpatient medical expenses received at a participating provider.

In-Patient and Out-patient Benefits

Deductible per hospital confinement (PPO and non-PPO deductibles accumulate serparately)
- In-PPO: Choice of $200 or $400
- Out-of-PPO: deductible is two times PPO deductible Maximum benefit per day for inpatient hospital expenses (includes room and board, supplies, drugs, etc,. no limit on days of confinement)- Choice of $750, $1,000 or $1,500

Outpatient Expense Benefits

Calendar year deductible
- In-PPO: $100
- Out-of-PPO: deductible is two times PPO deductible
Physician office visit maximum benefit for covered out-patient expenses- $50 per visit
Prescription Drugs- Subject to separate $100 Rx deductible per person, per calendar year.
- Generic- $15 or 50% of the drug’s cost, whichever is greater. Brand name drugs are not covered.

Optional Benefits Enhancements to suit your needs

You can increase your coverage with these options (available at an additional premium):

Cancer Benefit Option
- This optional rider provides a maximum of $50 per day for in-hospital visits by a physician
- Up to $200 per day for treatment provided during a hospital confinement or on an outpatient basis for radiation therapy and chemotherapy
- Up to $2,500 per calendar year for charges made by a hospital or physician for experimental treatment or procedures provided during a hospital confinement or outpatient basis
- Limited hotel and transportation reimbursements for a family member
- Up to $75 per day for hotel/motel charges
- Up to $750 per mile for roundtrip
- Up to $100 per covered person per calendar year for eligible diagnostic screening tests
- Up to $4,000 for the eligible charges in relation to surgical benefits (based on the surgical schedule)
- After a $500 deductible, pays for Radiation Therapy and Chemotherapy treatment and pays 80/20, up to $10,000, with a maximum benefit of $50,000 per illness or injury.
Term Life Benefit Option
- The Term Life Benefit Rider provides you and or your spouse with annually renewable term life insurance coverage in benefit amounts of $10,000, $25,000 or $50,000

Additional Value Added Benefits from the Small Business Association of America

SBA Accidental Injury Excess Coverage

$250 Deductible then 100% up to $5,000 accidental injury- includes medical and dental, ambulance service, plus accidental death and dismemberment benefits.

LensCrafters Club

LensCrafters Vision Club and Eyewear Discounts
At LensCrafters,one hour service is just the beginning! Your member ID card brings you and your eligible family members special rates on:

20% discount on all purchases at any LensCrafters.
10% discount on professional services including eye exams and contact lenses.

Simply present your SBA member ID card at the time of purchase and receive your discount.

And Many Many More

MONEY SAVING benefits for members of the Small Business Association of America.

www.sbaamerica.org

Hybrid is marketed exclusively by American Health Underwriters (AHU) and is underwritten by World Insurance Company, Omaha, Nebraska. Exact plan benefits exclusions and limitations may very from state to state. See brochure for more details and availability.

Contact American Health Underwriters or consult your agent for a copy of the printed brochure that outlines benefits, coverage, conditions, restrictions, limitations, and exclusions. Hybrid products are offered to members of the Small Business Association of America (SBAA). World Insurance Company is not affiliated with the Small Business Association of American (SBAA)

(C) 2008 American Health Underwriters, Inc. All Rights Reserved. No part of this publication may be reproduced in any form or by any means without the prior written authorization of American Health Underwriters, Inc.

All plans endorsed by: Small Business Association of America (SBA)