WORLDWIDE COVERAGE
Indy+Plus provides coverage for US or Canadian citizens while residing
abroad, and while in the US or Canada temporarily (less than 12 months), as well as for
overseas local and third country national employees.PROVIDER CHOICE
You may use the doctor or hospital of your choice at home or abroad. If you
select a doctor or hospital from the Indy+Plus Preferred Provider Organization, your
deductible and coinsurance will be waived. If you select an alternative doctor or
hospital, normal benefits apply with no penalty.
DEDUCTIBLE AND COINSURANCE
You may choose between five deductible plans: $250, $500, $1,000 and
$2,500. After the deductible is satisfied the Company will pay 80% of the next $5,000 of
eligible medical expenses, then 100% of eligible medical expenses to $1,000,000 (internal
policy limits may apply). The deductible and coinsurance is waived if treatment is
rendered by an Indy+Plus Preferred Provider. After three members of a family have
satisfied their deductible during a Calendar Year, the deductible is waived for further
family members. After the deductible and coinsurance has been met by three members of the
same family, further claims from the family will not be subject to the deductible and
coinsurance during the Calendar Year.
