NCE National Sales

Unified Health One 300 - $99
Enrollment

Enrollment
$99.00 one-time fee

Product
$199.00 per Month for Individual
$341.00 per Month for Individual plus Spouse
$309.00 per Month for Individual plus Children
$433.00 per Month for Family

States Not Available: AK, CO, CT, DC, KS, ME, MD, MA, MN, MO, MT, NH, NJ, NY, NC, ND, OR, PR, RI, SD, UT, VT, WA

Click Here for Unified Health One Brochure

Click Here for Provider Look-up with MultiPlan

Limited Medical Benefit Plan Benefits - see Brochure for Full Details

  • Doctor's Office Visit - $50 per visit (5 visits per year)
  • Emergency Room - $50 per visit (1 visit per year)
  • Hospital Confinement - $300 a day (30 days maximum)
  • Surgery and Anesthesia (Inpatient and Outpatient)
  • Wellness and Preventive Care $100 per visit (1 visit per year)
  • Accidental Death Benefit $10,000
  • Inpatient Mental Health $150 a day (60 days maximum)
  • Outpatient Mental Health $50 per visit (20 visits or $1,000)
  • Supplemental Accident Benefit - Emergency Room Per Accident $250 (1 per coverage year)
  • Supplemental Accident Inpatient Admission $500 (1 per coverage year)

NCE Membership Benefits - There are no waiting periods or pre-existing condition limitations on membership benefits!

  • Medical PPO Discount through MultiPlan
  • Vision Care
  • Dental Care
  • Hearing
  • Wellness
  • Alternative Care
  • Infertility Treatment
  • RX Discount Program

 

 Additional Benefits!

  

[Certain state insurance departments require that we advise you of the following statements:]

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement may be guilty of insurance fraud as determined by a court of law.

 

[Arkansas and West Virginia Residents:  Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefits or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

California Residents:  Any person who knowingly presents a false or fraudulent claim of payment of a loss is guilty of a crime and may be subject to civil fines and confinement in state prison.

District of Columbia Residents:It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

Florida Residents:Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Kentucky and Pennsylvania Residents:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and may subject such person to criminal and civil penalties.

Tennessee Residents:  It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

New Mexico Residents: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OR LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

North Carolina Residents:  Any person who knowingly and with intent to injure, defraud or deceive any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which may be a crime and subjects such person to criminal and civil penalties.

Ohio Residents:  Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Oklahoma Residents:   WARNING:  Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy   containing any false, incomplete or misleading information is guilty of a felony.

Oregon Residents:  Any person who with intent to injure, defraud or deceive any insurance company or other person submits an enrollment form for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto may have violated state law.

Vermont Residents:  Any person who knowingly and with intent to injure, defraud or deceive any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which may be a crime and may subject such person to criminal and civil penalties.

Virginia Residents:  Any person who knowingly and with intent to injure, defraud or deceive any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent act, which may be a crime and subjects such person to criminal and civil penalties.

Washington Residents:  It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company.  Penalties include imprisonment, fines and denial of insurance benefits.]

 

Membership Eligibility Information

The Limited Benefit Health Insurance Plan is a Policyholder health plan provided to eligible members of National Congress of Employers(NCE) Association who are under age 65 and not Medicare eligible. The plans designed for NCE Association effectively reduce the policyholder’s healthcare expense and liability while providing members quality health coverage.

Spouses and dependent children up to age 26 if a full time student.

Coverage cannot be issued to a child only (under age 18).

Effective dates are available either on the 1st or 15th of the month. Initial premium draft inclusive of the non-refundable one-time enrollment fee is processed the day of enrollment. Future drafts occur on the 20th of each month (for 1st effective dates) and the 5th of each month (for 15th effective dates). Please make sure you have sufficient funds before you enroll. Credit cards and bank automatic draft is available. Rates above do not include an association one-time non-refundable enrollment fee, which is available at the time of enrollment.

 

 

 Limited Medical Policy Exclusions and Limitations

 

Waiting Period For Sickness - Loss caused by or relating to Sickness will not be covered for this first 30 days after the Certificate Effective Date of each Covered Person.

We will not pay benefits for treatment, services or supplies which:

Are not Medically Necessary;

Are not prescribed by a Doctor as necessary to treat Sickness or injury;

Are experimental/investigational in nature, except as required by law;

Are received without charge or legal obligation to pay; or

Is provided by an immediate family member.

Additional Limitations and Exclusions:

Except as specifically provided for in this Policy or any attached Riders, We will not pay benefits for Sickness or injuries that are caused by:

Dental Procedures – Dental care or treatment except for such care or treatment due to accidental injury to sound natural teeth within 12 months of the accident and except for dental care or treatment necessary due to congenital disease or anomaly.

Elective Procedures and Cosmetic Surgery – Cosmetic surgery, except that cosmetic surgery shall not include reconstructive surgery when such service is incidental to or follows surgery resulting from trauma, infection or other disease of the involved part and reconstructive surgery because of congenital disease or anomaly of a covered dependent child which has resulted in a functional defect. 

Felony or Illegal Occupation Commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation.

Manipulations of the Musculoskeletal System –care in connection with the detection and correction by manual or mechanical means of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation or of or in the vertebral column.

Suicide or Injuries Which Any Covered Person Intentionally Does to Himself- suicide, attempted suicide or intentionally self-inflicted injury.

War or Act of War. War or act of war (whether declared or undeclared; participation in a felony, riot or insurrection; service in the Armed Forces or units auxiliary thereto.  Losses as a result of acts of terrorism committed by individuals or groups will not be excluded from coverage unless the Covered Person who suffered the loss committed the act of terrorism.

Work-related Injury or Sickness.Work-related Injury or Sickness, whether or not benefits are payable under any state or federal Workers' Compensation, employer’s liability or occupational disease law or similar law.

Pregnancy

Pre-existing Condition Limitation:

There is no coverage for a pre-existing condition for a continuous period of 12 months following the effective date of coverage under this Policy.

This limitation does not apply to:

genetic information in the absence of a diagnosis of the condition related to such information; and

a newborn child who is enrolled in the plan within 31 days after birth; nor to a child who is adopted or placed for adoption before attaining 18 years of age; and as of the last day of the 31-day period beginning on the date of birth, adoption or placement for adoption, is covered under creditable coverage.

 


This insurance is not major medical coverage and is not designated as a substitute for basic health insurance or major medical coverage. The plan limitations are disclosed in the certificate of coverage provided in the fulfillment kit. The Limited benefit plan has a pre-existing condition limitation. A pre-existing condition, physical or mental, regardless of cause or condition, for which medical advice, diagnosis, care or treatment was recommended or received from a physician within a 12 month period preceding the effective date of covered person.  Plans are not available in all states. Check the state availability on the website. Certain provisions of the plan vary by state. There is a 30 day free look period.


 

Always refer to the policy for full definitions of benefits and eligible expenses. You will receive the policies in your fulfillment package.


NCE National Sales  • Roy Raven  • Phone: (727) 935-4020  • Fax: (208) 723-4583  • roy.raven21@gmail.com

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