What medical expenses are covered?

After satisfying the deductible amount you've selected, SecureLite STM will pay the coinsurance you’ve selected for covered expenses, up to a maximum of $750,000 per Insured person per Coverage Period.* The Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits. 

Doctors Office Visit: up to $25 per visit up to four visits per coverage period. After the office visit, the balance of the charge is subject to the plan deductible and coinsurance up to $1,000 per Coverage Period. 

In-Hospital regular care charges: up to $1,000 per day; includes daily room and board and all miscellaneous charges**

In-Hospital Intensive or Critical Care charges: 3 times the average semi-private room rate up to $1,250 per day; includes daily room and board and all miscellaneous charges**

Outpatient Hospital Surgery & Ambulatory Surgical Center charges: up to $1,000 per day includes cost of operating room and all miscellaneous charges**

Out-Patient Emergency Room: up to $500 per day includes the emergency room physician charge, 24 hour surveillance and all miscellaneous charges**

In-Hospital Doctors visits: up to $500 maximum per hospital stay

Surgeon and Anesthesiologist: up to $2,500 per procedure up to $5,000 maximum per Coverage Period

Out-Patient or Doctors Office miscellaneous charges**: up to $1,000 per Coverage Period

Ambulance Services: up to $250 per emergency

Organ Transplants: $150,000 maximum per Coverage Period

Acquired Immune Deficiency Syndrome (AIDS): $10,000 maximum per Coverage Period***

Mammography, are covered subject to deductibles, coinsurance and any specific limits

Pap Smear and Screens (includes PSA) are covered subject to deductibles, coinsurance and any specific limits

*Benefits for gall bladder surgery are limited to a $2,500 per Coverage Period per insured person. Benefits for injury or disorders of the knees are limited to a $2,500 per Coverage Period per insured person. Benefits may vary by state.

**Miscellaneous charges where indicated includes: X-rays, scans, laboratory, blood, therapy, oxygen, casts, splints, medicines, injections, chemotherapy and medical supplies.
 
***The AIDS maximum of $10,000 per Coverage Period does not apply to
Policies/Certificates of Insurance issued to residents of Arizona, California, District of Columbia, Idaho, Indiana, Maine, Missouri, New Hampshire, North Carolina or North Dakota. In Kansas the maximum per Coverage Period is $75,000.