ELIGIBILITY
1. Full time employees (30 hours per week), and their Spouses, at least age 19 and not yet
65 as of their initial effective date.
2. Dependent Children under the age of 19, or 23 if full time student primarily dependent
on the employee for support.LIMITATION
ON U.S. COVERAGE
Initial departure from the US must occur within 30 days of the employee's initial
effective date. Coverage terminates on the earliest of the following dates:
1. The date the employee ceases to be an active full time employee; or
2. The date the employee becomes eligible for any other medical benefit plan, whether or
not the employee elects to become covered under such plan; or
3. Twelve months following return to the US.
PRE-EXISTING CONDITIONS
A pre-existing condition is any Injury, Illness (including Pregnancy), or Mental or
Nervous Disorder, including complications and consequences associated with these
conditions, for which diagnosis or treatment was received or prescription medications or
drugs were taken or for which a reasonably prudent person would have sought diagnosis
and/or treatment during the 90 days just prior to the employees or dependents initial
effective date. Benefits for Pre-existing Conditions are covered after six months during
which no treatment (including prescription medications or drugs) is recommended or
received, or after twelve months of continuous coverage under the Indy+Plus plan,
whichever first occurs.
TAKEOVER PROVISION
This provision allows you to implement Indy+Plus without requiring that your employees
start over on waiting periods for Maternity, Mental and Nervous, Wellness and Pre-existing
Condition benefits.
UNDERWRITING REQUIREMENTS
For groups of 10 or less employees, Evidence of Insurability is required for each
employee. For groups of 11+ employees, Simplified Evidence of Insurability is required for
each employee. The Company, at its sole discretion, may waive these requirements if claims
experience is provided.
COBRA
Medical insurance continuation is available as required by U.S. law.
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