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Click on the tabs below to review benefits and programs included in all plans.

Limited Benefit Health Insurance Plans

Compare our 4 benefit levels                                                   No Deductibles.  No Co-Pays.
This is only a summary of coverage    Select 1000    Select 500    Select 300    Select 100
Plan coverage for hospitalization Daily In-Hospital Benefit $1,000 per day, maximum of 90 days $500 per day, maximum of 90 days $300 per day, maximum of 90 days $100 per day, maximum of 90 days
Plan coverage for hospital admission Initial Hospital Admission Benefit $2,000, 1 day $1,500, 1 day $1,000, 1 day $750, 1 day
Plan coverage for intensive care Intensive Care $2,000 per day, maximum of 10 days No Coverage No Coverage No Coverage
Plan coverage for surgery In-Patient Surgery $2,000, 1 day $1,500, 1 day $750, 1 day No Coverage
Plan coverage for surgery Out-Patient Surgery $750 per day, 2 days $500 per day, 2 days $250 per day, 2 days No Coverage
Plan coverage for surgery Out-Patient Minor Surgery $50 per day, 3 days $50 per day, 3 days $50 per day, 3 days No Coverage
Plan coverage for anesthesia Anesthesia $200 per day, 6 days $150 per day, 6 days $75 per day, 6 days No Coverage
Plan coverage for Doctor Visits Doctor's Office Visits $100 per day, 8 days $100 per day, 5 days $80 per day, 5 days $60 per day, 5 days
Plan coverage for lab tests Lab Tests Ordered At Doctor Visit $80 per day, 5 days $70 per day, 5 days $60 per day, 5 days $50 per day, 3 days
Plan coverage for wellness visits Wellness Visits $200, 1 day $175, 1 day $150, 1 day $100, 1 day
Plan coverage for wellness visits Diagnostic Advanced Studies $300 per day, 2 days $300, 1 day $200, 1 day $100, 1 day
Amounts above are paid out per plan, per benefit year.
These plans are not major medical plans. It is not intended or recommended to replace any comprehensive health insurance you already have or are considering. Although these plans provide access to and coverage for your day to day medical care needs, they do not satisfy all of the essential benefit requirements of the Affordable Care Act/Obamacare Act.

Companion Life

This is a brief summary of Limited Benefit Health Insurance underwritten by Companion Life Insurance Company, Columbia, SC. Provided by form number MMP2250. Not available in all jurisdictions. Pre-existing conditions are not covered for the first 12 months and are subject to the policy limitations and exclusions (see below). Refer to the policy, certificate and riders for complete details.

Limitations & Exclusions

With respect to all of the benefits provided under the Limited Benefit Health Insurance offered by Companion Life Insurance Company, no benefits will be payable as the result of:

  1. Suicide or any attempt thereat, while sane;
  2. Any intentionally self-inflicted Injury or Sickness;
  3. Rest care or rehabilitative care and treatment;
  4. Cosmetic surgery or care or treatment solely for cosmetic purposes, or complications therefrom. This exclusion does not apply to cosmetic surgery resulting from a covered Accident if initial treatment of the Covered Person is begun within 12 months of the date of the Accident;
  5. Routine newborn care, including routine nursery charges;
  6. Voluntary abortion, except with respect to the insured or covered Dependent spouse: (a) where such person's life would be endangered if the fetus were carried to term; or (b) where medical complications have arisen from an abortion;
  7. normal pregnancy, except for Complications of Pregnancy;
  8. The treatment of: (a) Mental illness; (b) functional or organic nervous disorder, regardless of cause; (c) Alcohol abuse; (d) drug use, unless such drugs were taken on the advice of a Physician and taken as prescribed for more than 10 days in any Benefit Year, with respect to payment of the Daily In-Hospital Indemnity Benefit;
  9. Participation in a riot, civil commotion, civil disobedience, or unlawful assembly. This does not include a loss which occurs while acting in a lawful manner within the scope of authority;
  10. Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation;
  11. Participation in a contest of speed in power driven vehicles, parachuting, parasailing, bungee-jumping, or hang gliding;
  12. Air travel, except: (a) As a fare-paying passenger on a commercial airline on a regularly scheduled route; or, (b) As a passenger for transportation only and not as a pilot or crew member;
  13. Any Accident occuring as a result of the Covered Person being intoxicated (where the blood alcohol content meets the legal presumption of intoxication under the law of the state where the Accident took place);
  14. Sex changes;
  15. Experimental treatments or surgery;
  16. The reversal of a tubal ligation or vasectomies;
  17. Artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or Physician's services, unless required by law;
  18. Treatment of exogenous obesity or weight control;
  19. An act of war, whether declared or undeclared, or while performing police duty as a member of any military or naval organization. This exclusion includes Accident sustained or Sickness contracted while in the service of any military, naval or air force of any country engaged in war. The Company will refund the pro rata unearned premium for any such period the Covered Person is not covered;
  20. Accident or Sickness arising out of and in the course of any occupation for compensation, wage or profit. Expenses which are payable under Occupational Disease Law or similar law, whether or not application for such benefits have been made;
  21. Pre-Existing Conditions, except as described in the Schedule;
  22. Air or ground ambulance service; or
  23. for loss incurred, care or treatment received, or hospital confinement occurring outside of the United States or its possessions.
In addition to the Exclusions and Limitations for all coverages, the following are not covered under the Out-Patient Physician Office Visit Indemnity Benefit and the Outpatient Diagnostic X-Ray and Laboratory Indemnity Benefit:
  1. Visits made, examinations given, or x-rays or laboratory tests performed as an in-patient while Confined to a Hospital;
  2. Routine eye examinations or fitting of glasses;
  3. Fitting of hearing aids;
  4. Dental examinations or dental care other than expenses resulting from accidental injury; and benefits which are provided under any other part of the Policy;



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