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What it take to get life Insurance

It takes more than money and good health. It takes a combination of caring, common sense, character and commitment. If your death will create an economic loss for your family, business, estate, community, college, church, or for your favorite charity, you need life insurance.

•   Why are successful people more likely to buy life insurance than other people? Perhaps because they understand their value to others and the economic impact that their death will have. There Is a low cost to

having Life Insurance, but there can be a big terrible cost to not having it.
BC Life & Health 3500 Deductible PPO (R420)
 
  Calendar year deductible (combined for all providers)
  In-Network $3,500/member; 2 family member max Out-of-Network[1] $3,500/member; 2 family member max

  Lifetime Maximum (combined for all providers)
  In-Network $5,000,000/member

  Annual Out-of-Pocket Maximum
  In-Network Member must meet Yearly deductible only (2 family member max) Out-of-Network
  $10,000/member; 2 family member max
 
  Office Visits
  In-Network Covered in full after deductible met Out-of-Network 50% of negotiated fee plus excess of negotiated
  fee after deductible met

  Professional Services
  (X-ray, lab, anesthesia, surgeon, etc) In-Network Covered in full after deductible met Out-of-Network
50% of negotiated fee plus excess of negotiated fee (including x-ray) after deductible met

  Inpatient Hospital Services
  In-Network Covered in full after deductible met2 Out-of-Network All charges except $650/day after deductible
  met

  Outpatient Hospital Services
  In-Network Covered in full after deductible met Out-of-Network   All charges except $380/day after deductible
  met

  Emergency Care
  In-Network Covered in full after deductible met3 Out-of-Network 1st 48 hours: all charges in excess of 100% of C
  & R after deductible met; after 48 hours, all charges except $650/day

  Pregnancy & Maternity Services
  In-Network Not Covered Out-of-Network Not Covered

  Preventive Care
  In-Network Routine mammogram, PSA and Pap test: Covered in full after deductible met4; Well Baby & Well  
  Child (through age 6): Covered in full after deductible met; HealthyCheck Centers5: $25 or $75 copay
  Out-of-Network Routine mammogram, PSA and Pap test: 50% of negotiated fee plus excess of negotiated fee
  after deductible met; Well Baby & Well Child (through age 6): 50% of negotiated fee plus excess of negotiated fee
  after deductible met; HealthyCheck Centers: Not Covered
 
  Ambulance Service
  In-Network Covered in full after deductible met Out-of-Network 50% of negotiated fee plus excess of negotiated
  fee after deductible met

  Physical Therapy, Physical Medicine & Occupational Therapy, including Chiropractic Services
  limited to 24 visits/calendar year; additional visits may be authorized) In-Network Covered in full after deductible
  met Out-of-Network All charges except $25/visit after deductible met

  Acupuncture / Acupressure
  (limited to maximum Blue Cross payment of $25/visit; limited to 24 visits/calendar year in & out-of-network
  combined) In-Network All charges except $25/visit after deductible met Out-of-Network
  All charges except $25/visit after deductible met

  Outpatient Speech Therapy
  When following surgery, injury or non-congenital organic disease excess of C& R (limited to 50 visits/year in and
  out-of-network combined) In-Network Covered in full after deductible met Out-of-Network 50% of C&R plus
  excess of C&R after deductible met

  Skilled Nursing Facility
  Semi-private room, services & supplies (limited to 100 days per calendar year in and out-of-network combined)
  In-Network Covered in full after deductible met Out-Network All charges except $150/day after deductible met

  Home Health Care
  Services & supplies from a home health agency (limited to 60 visits/calendar year, one visit by a home health aide
  equals four hours or less; not covered while member receives hospice care) In-Network Covered in full after
  deductible met Out-of-Network All charges except $75/day after deductible met

  Infusion Therapy
  Combined admin, prof and drug for out-of-network will not exceed $500/day Includes medication, caregiver  
  training & visits by provider to monitor therapy; durable medical equipment In-Network Covered in full after
  deductible met Out-of-Network Admin & Prof. Srvcs: All charges in excess of $50/day after deductible met
  Drugs: All charges in excess of Drug AWP after deductible met

  Medical Supplies, Equipment & Footwear
  Footwear limited to $400 per year maximum combined for $400/calendar year in and out-of-network combined
  In-Network Covered in full after deductible met Out-of-Network 50% of negotiated fee plus excess of negotiated
  fee after deductible met

  Mental or Nervous Disorders
  Inpatient Hospital & Day Treatment Programs (limited to 30 days/year in & out-of network combined)
  Professional Services (Inpatient or Outpatient physician charges except services (limited to 1 visit/day; 20
  visits/year) In-Network Inpatient Hospital & Day Treatment Programs (limited to 30 days/year in & out-of
  network combined): All charges except $175/day after deductible met; Professional Services (Inpatient or
  Outpatient physician charges except services (limited to 1 visit/day; 20 visits/year): All charges except $25/day
  after deductible met Out-of-Network Inpatient Hospital & Day Treatment Programs (limited to 30 days/year in &
  out-of network combined): All charges except $175/day after deductible met; Professional Services (Inpatient or
  Outpatient physician charges except services (limited to 1 visit/day; 20 visits/year): All charges except $25/day
  after deductible met

  Severe Mental Illness and serious Emotional Disturbances of a Child
  (Services provided as any other medical condition) In-Network Covered in full after deductible met
  Out-of-Network 50% of negotiated fee plus excess of negotiated fee after deductible met

  Hospice
  (limited to a lifetime maximum BC Life benefit of $10,000 in and out of network combined) In-Network
  Covered in full after deductible met Out-of-Network 50% of negotiated fee plus excess of negotiated fee after
  deductible met

  Prescription Drug Coverage
  Retail and Mail order combined (Subject to $500 brand name drug deductible )6 In-Network Generic: $10 copay
  Brand: $30 copay Non-formulary: 50% of negotiated fee Self Admin Injectibles: 30% of negotiated fee
  Out-of-Network 50% of Drug Limited Fee Schedule plus excess
 
 
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