Personal Recovery Plus Plan

The American Heart Association reports that every 29 seconds an American suffers a heart attack and every 53 seconds someone suffers a stroke. A severe illness can be devastating to a family’s finances. The Health Alliance is making available to you the Personal Recovery Plus Policy. This critical illness insurance provides financial assistance when you are treated for any of the following specified health events:

Heart Attack	Coma
Stroke	Paralysis
End stage renal failure	Major human organ transplant
Coronary artery bypass surgery	Major third degree burns

Coverage Options
Coverage can be purchased for yourself, your spouse or domestic partner, and your dependent children to age 25 (if full-time students). For the Health Alliance definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Benefits provided by this insurance include:

Series 70200 - pays first occurrence benefit of $5,000 and reoccurrence benefit of $2,500.

Additional benefits under both plans include:

$100 for each day of non-hospitalized treatment from a licensed health practitioner
$300 for each day of hospital confinement
Transportation, family lodging and ambulance benefits.

For information on annual and lifetime limits, contact Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513.

This insurance is “simplified issue” which means that you will be asked a short series of questions dealing with health issues covering the previous five years. Pre-existing condition limitations are applied to any illness or injury suffered during the six-month period prior to the plan’s effective date. Benefits are payable for pre-existing conditions if the specified health event occurs more than 30 days after the effective date of coverage.

Cost of Coverage
The cost of coverage varies depending on the individuals covered and their ages. Refer to the cost sheet for specific premium amounts. Premiums are deducted on a pre-tax basis from every paycheck. However, if your policy includes coverage for a domestic partner, deductions are taken on an after-tax basis.

Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513.

Note: This benefit is available for enrollment through age 70 with plan continuation indefinitely.