Plan Details
FRA Brings You the COMMAND RESERVE Hospital Cash Insurance Plan
- GUARANTEED ACCEPTANCE1 FOR MEMBERS UNDER AGE 65.
- COVERAGE UP TO: $36,500.00 a year or $100.00 a day
- 30-DAY FREE PLAN EXAMINATION
Summary of Coverage
- $100.00 a day (up to $3,100.00 a month) for every day you're in the Hospital because of a covered illness or accident ... for as long as one full year, $36,500.00. If your Hospital stays are separated by 180 days, your benefit period starts all over.
- DOUBLE BENEFITS up to $200.00 a day if you have Cancer and are in the Hospital (up to $6,200.00 a month). (This benefit doesn't apply if you're in Intensive Care.)
- TRIPLE BENEFITS up to $300.00 a day (up to $9,300.00 a month) for every day of Intensive Care treatment.
- $100.00 a day (up to $3,100.00 a month) for each of your children. (Dependent children aged 14 days to 19 years can be covered, or under 23 if they are full-time students.)
- EMERGENCY TREATMENT BENEFIT ... is an additional cash benefit paid to you for emergency medical services, inpatient or outpatient—up to an ADDITIONAL $50.00 per treatment or as much as $200.00 per calendar year.
- HOSPICE CARE BENEFIT ... pays up to 50% of your daily benefit each day in the event you need hospice care for the lesser of 180 days of hospice care or 365 days of combined Hospital and hospice care.
- HOME HEALTHCARE BENEFIT ... pays up to 50% of your daily benefit each day for up to 10 days of Home Healthcare Services from a home healthcare agency (after you've spent 3 days in a Hospital).
- Payments made directly to you (or to the Hospital or other healthcare facility in which you receive care, if specified by you).
- Prompt claim payment, no red tape, no long waits.
Termination:
Your FRA Hospital Income Plan will remain in effect (until you reach age 65) as long as the Master Policy remains in force, you continue to pay your premiums and you remain a member of the FRA. Your dependents coverage will remain in effect as long as you remain covered under this plan, premiums are paid, and they qualify as your dependent.
100% GUARANTEED Acceptance
Plus, your spouse and children are eligible, too!
As an FRA member, your enrollment is guaranteed as long as you are under age 65 and reside in the U.S., not confined for medical care or treatment in an institution at home and are not on full time-time Active Duty in the armed forces . No complicated forms to fill out. Your acceptance in this plan is guaranteed. This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, insurance benefits payable are subject to your policy’s pre-existing conditions limitation.
You also get enrollment opportunities for your spouse under age 65 , who resides in the U.S., is not confined for medical care or treatment in an institution at home, is not on full time-time Active Duty in the armed forces, and is not legally separate or divorced to you. All your dependent children who are unmarried, less than age 19 (23 if full-time student) who are primarily dependent on you for support and maintenance.
Effective Date: Your coverage will become effective the first day of the month following receipt of your enrollment form and first premium payment. If you are Hospital Confined at time of approval, your coverage will become effective the day after you are released from the Hospital.
100% GUARANTEED FREE 30-Day Plan Examination Opportunity
Send no money now—we don't expect our FRA Shipmates to buy a pig in a poke!
You'll have a FREE 30-day review of your COMMAND RESERVE Insurance Plan at no cost and with no obligation.
Read the policy completely. Discuss it with your spouse. Then make your decision!
Affordable Group Rates
This website explains the general purpose of the insurance. And with the group buying power of FRA, you can bet that your coverage is kept up-to-date and on the cutting edge of today's market.
Here are the economical monthly rates that FRA's representatives negotiated for our members:
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Children
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Benefit: $100.00-a-day
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Benefit: $50.00-a-day Economy Plan
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Age**
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Member
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Spouse
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Member
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Spouse
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Under 30
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$7.27
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$12.76
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$3.63
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$6.38
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30-39
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11.07
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19.42
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5.54
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9.71
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40-49
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18.12
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27.52
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9.06
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13.76
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50-59
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30.64
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30.82
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15.32
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15.41
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60-64
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42.38
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33.15
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21.19
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16.58
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All Children
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$ 5.42
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$ 2.71
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*You'll be billed quarterly. All billing modes except annual will include a $2.00 billing fee.
**All premiums are based on the age of the member. Member must be covered for dependent coverage to be in force.
A $250.00 per day plan is also available. Please call for further information.
Premiums change on the premium due date following entry into each new age bracket. Coverage ends at age 65.
Rates and/or benefits may be changed on a class basis.
Other benefit amounts are available. Contact the Plan Administrator for details.
EXCLUSIONS AND LIMITATIONS:
Exclusions: The Policy does not cover: intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane, (in Missouri or Colorado while sane); any loss caused or contributed to by war or act of war, whether war is declared or not; or pregnancy or childbirth, except Complications of Pregnancy.
Limitations: Benefits for Confinements that are due to Mental, Nervous or Emotional Disorder are limited to 10 days per Period of Confinement, and 60 days per lifetime. For any one day of Intensive Care Confinement, no more than three times the Daily Benefit Amount will be paid. For Confinement of Cancer, no more than two times the Daily Benefit Amount will be paid. For all Periods of Confinement other than Mental Nervous or Emotional Disorders, benefits will not be paid for more than 365 days.
Pre-Existing Conditions Limitation: During the first 6 months of a Covered Person's insurance, losses incurred for Pre-Existing Conditions will not be covered. A Pre-existing Condition means any injury or sickness, diagnosed or undiagnosed, for which Medical Care is received by a Covered Person within the 6 month period prior to the Covered Person's effective date of insurance or within the 6 month period prior to the effective date of the Covered Person's increase in coverage. During that time, benefits for all other accidents and sicknesses will be paid under the policy provisions.
If the total Daily Benefit Amount payable for one day of Confinement plus other Hospital income benefits you may be eligible for exceeds $250 per day, your benefits from this plan will reduce accordingly.
Hospital does not mean any institution or part thereof which is used primarily as: a nursing home, convalescent home, or skilled nursing facility; a place for rest, custodial care, or for the aged; a clinic; or a place for the treatment of mental illness, alcoholism, or drug addiction.
Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury.
Eligibility
| Where Available |
This plan is not available in AZ, CA, ID, OR and WV
|
| Notes |
Association members and spouses under age 65 are eligible
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Details
| Type of Insurance |
Hospital Income
|
| Underwritten By |
Hardford Life Insurance Comapny
The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company
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| Form Number |
SRP-1151 A (HL) (5181)
|
| Group Policy Number |
APG-5181
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| Important Notes: |
This website explains the general purpose of the insurance described, but in no way changes or affects the policy (Policy Form #SRP-1151 A(HL)(5181)) as actually issued. In the event of a discrepancy between this fact sheet and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy to the policyholder. This program may vary and may not be available to residents of all states.
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IMPORTANT NOTICE TO PERSONS ON MEDICARE
THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS |
This is not Medicare Supplement Insurance
This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits when:
- any expenses or services covered by the policy are also covered by Medicare
Medicare generally pays for most or all of these expenses.
Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:
- Hospitalization
- physician services
- hospice
- other approved items and services
| Before You Buy This Insurance |
- Check the coverage of all health insurance policies you already have.
- For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
- For help in understanding your health insurance, contact your state insurance department or state senior insurance counseling program.
1This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions Limitation. Please refer to the website for more information on exclusions and limitations, such as pre-existing conditions.
Form PA 9055