For assistance, please contact:
Norma Jean Rector
6135 Park South Dr Ste 510
Charlotte, NC 28210
704-945-7173     704-531-9139
normajean@blueprintbenefits.com
CentralChoice SeriesHospital Indemnity Insurance Policy
The CentralChoice in Supplemental Health Insurance Benefits

Missing Major Medical Coverage?

While not a substitute for Major Medical coverage, Central Choice is available for those who are unable to qualify for or afford Major Medical insurance. The Premier and Select packages are designed to include a variety of both inpatient and outpatient benefits, including a strong surgical schedule that can be accessed either in or out of the hospital an unlimited number of times! (Subject to a dollar limit, which varies by plan) Benefits can be paid to any hospital or doctor, but for those that wish to have additional savings, Central Choice also includes access to the MultiPlan Network. MultiPlan Network provides additional cost savings from repricing when you use a MultiPlan provider. (Not available on Enhanced And Essential Plan)

Considerations for CentralChoice as Supplemental Coverage

Our Premier and Select package designs each feature a variety of both inpatient as well as outpatient benefits, including surgery. CentralChoice benefits can be paid to any hospital or doctor and when MultiPlan providers are used additional savings through negotiated discounts may be available.

CentralChoice Plan Designs

Premier Choice - is particularly well suited to those aged 50-plus who have pre-existing medical conditions (remember, there is a 12-month wait on pre-existing conditions).

Select Choice - design is suitable for those with limited budget who desire an affordable plan to which they can add additional customized coverage for necessary Critical Illness, Cancer and Accidents. (Available separately) It provides a backbone for a quality portfolio of these additional supplemental policies.

Enhanced Supplement - a versatile option, this plan can serve as a solid supplement to qualified major medical policy, or supply benefits with which to add a package of supplemental benefit options.

Essential Supplement - a cost effective way to provide a variety of benefits used to "fill the gaps" in qualified major med plans. While the Supplement Plan is sufficient to supply the benefits necessary to reduce or even eliminate the out-of-pocket costs associated with an average period of hospital confinement when used with major medical, it should be supported by additional CI, Accident and Cancer policies whenever possible for the highest levels of protection.

Benefit
Premier Choice
Select Choice
Enhanced Supplement
Essential Supplement
Maximum Benefit/Year*
Daily Room Benefit
$500
$400
$100
$50
$182,500
Riders
Indemnity (CUL-HRLS)
Paid to an insured upon first hospital confinement each year.
$1,000
$1,000
$500
$100
$1,000
First Hospital Confinement (CUL-HRFHC(2)) Based on duration of first hospital confinement.
$10,000
over 6 days
$10,000
over 6 days
$5,000
over 6 days
$5,000
over 6 days
$10,000
Intensive Care Unit (CUL-HRICU and CHRICU14-LA) Limited to 20 days per confinement
$2,500 per day
$2,000 per day
$1,000 per day
$500 per day
$60,000
Private Duty Nurse (CUL-HRPN) Limited to 30 days per confinement.
$250 per day
$250 per day
$250 per day
$250 per day
$7,500 per confinement
Surgery (CHPHISS14 and CHPHISS14-LA ) Per day when confined and a covered surgical event takes place. Maximum of 5 days per confinement
$3,000per day
$2,000per day
$1,000per day
$1,000per day
$15,000per confinement
Anesthesia Benefit Daily benefit amount paid for each day that a surgical benefit is paid for inpatient surgery
$600per day
$400per day
$200per day
$200per day
$3,000per confinement
Emergency Accident** (CUL-HREA) Limited to 4 different covered injuries per calendar year per insured.
$250per accident
$250per accident
$250per accident
$250per accident
$1,000
Specified Injury Rider
(CUL-HRSI) Not in GA & NC
See rider for specific amounts.
$25 - $2,000 Depending on injury
$25 - $2,000 Depending on injury
$25 - $2,000 Depending on injury
$25 - $2,000 Depending on injury
To a maximum of $2,000
per injury
Outpatient Sickness**
(CHPHIOS14 and CHPHIOS14-LA)
$100
per sickness
Limit 4 different sickness per year **
$75
per sickness
Limit 4 different sickness per year **
$50
per sickness
Limit 4 different sickness per year **
$25
per sickness
Limit 4 different sickness per year **
$400
MultiPlan PPO Network
Included
Included
X
X
Teladoc

Physicians are available anytime, anywhere for personalized, secure, Web or phone-base consultation that includes diagnosis And treatment of medical issues. Members can use 24/7 Physician Consultations:
For common, acute conditions that can be treated Without a face-to-face visit. From anywhere - at home, at work or on the road. After hours - during the evening, on weekends or Holidays.
When they cannot reach their primary care Physician.
Product Highlights:
Offers a fast, affordable alternative for minor Medical problems and health issues. All physicians are licensed, board certified and based in the U.S.
Visit Fee is $0.00
For more information go to Online: www.teladoc.com Mobile App (App Store and Google Play): www.teladoc.com/mobile or call 1-800-Teladoc (832-2362)

Karis 360

Helps policyholders save on out-of-pocket Expenses, in finding doctors, assists in searching and comparing facilities, providers, and prescription costs, as well as many other services. Karis360 offers 3 services To policyholders.
Karis Healthcare Navigator
Provides each member a personal, expert advisor to address healthcare-related questions and concerns.
Services include, but are not limited to: physician and healthcare facility searches, prescription cost search, health cost estimates, alternative medicine, laboratory and imaging services, elder care solutions, appointment scheduling.
Karis Surgery Saver
Helps members when a non-emergency surgical procedure is being considered. Specialized Advisors provide cost, quality and availability comparison of up to 5 facilities in the area.
Karis Bill Negotiator
Works directly with healthcare providers to help reduce out-of-pocket expenses.
Negotiates directly with providers and collection agencies to try and reduce medical bill balances. Works with providers to develop payment plans.
For more information go to www.thekarisgroup.com 855-399-4457
Karis360 is not insurance and does not provide funds to pay for bills. This is a best-efforts service and results cannot be Guaranteed.

* For the Premier Plan, per calendar year per insured person, unless otherwise specified.

** Insured categories are the insured person, the insured person’s spouse, and/or all of the insured person’s dependent children. Maximum total of 4 different sicknesses per year for all dependent children, not per child.