ACE Limited Accident and Sickness Plan

Benefits

Features

Physician Office Visits

Diagnostic Testing

Hospitalization

Surgery

	Inpatient
	Outpatient

Anesthesia

Prescription Drug Discounts *

Insured Generic Drug Coverage Available

Accident Medical Expense

Emergency Room

Rehabilitation Facilities

Wellness Benefits

Maternity Included

AD&D

Vision Care

Optional Dental Plan Available

24 Hour Nurse Hotline *

	Guaranteed Issue For Eligible Employees & Dependents
	No Participation Requirements
	First Dollar Coverage - No Deductibles Or Coinsurance
	Includes PPO Network Access * - No Penalties For Using Non-Network Providers
	Employer Determines Class(es) Of Eligible Employees
	No Coordination Of Benefits
	6 Month Pre-Existing Conditions Limitation - Applies To Hospitalization And Surgery Only
	Benefits Are Assignable
	Employer Can Pay Some, All Or None Of The Premium

* These are discounts and services available through contracted vendors; they are not insurance.

Insured by:

Important: Limited accident & sickness insurance plans do not provide and are not intended to replace comprehensive major medical insurance. These plans are lower-cost alternatives providing fixed-amount limited benefits that are paid directly to each insured, or the provider if assigned, for many of the most often used types of medical services. Policy forms are intended to comply fully with all applicable state insurance statutes and regulations. Due to differing state requirements, benefits, terms and conditions may vary by state from this description.