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Options available include a higher lifetime maximum, term life
insurance and accident medical expense coverage.
- $2 million coverage maximum per policy period
- Freedom to choose your own doctors and hospitals
- Prescription drug coverage
- Excellent in-hospital and outpatient benefits
- Semiprivate room and board
- Intensive care
- Lab and x-ray
- Ambulance service
- Managed care/pre-authorization procedure
- Maximum family deductible equal to three times your individual deductible amount
- Extension of Benefits* - up to 12 months if totally disabled
- Extension of Benefits Plus* - 60 day/$1,000 benefit for non-disabling conditions
- No association fees
* Coverage may be extended beyond your coverage period.
See your certificate for details.
Additional Savings:
You can reduce your medical bills by using
the doctors and hospitals participating
in PHCS.
Reapplying for Coverage:
You can reapply for coverage only after a 6 month break in coverage.
5 year pre-existing condition exclusion. exclusion.
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