Coverage is available to paid Members after 30 days following the receipt of the Membership application and the payment of the first month’s dues by the Heartland Alliance of America. Coverage is underwritten and administered by National Foundation Life Insurance Company (Freedom Life Insurance Company of America in Florida and Michigan). Not available in CT, MA, NH, NY and VT.

EXCESS MEDICAL EXPENSE COVERAGE MAXIMUM BENEFIT*
- $40,000 for each Covered Member, subject to a $100 deductible per accident per Covered Member.
* The AD&D Maximum Benefit and Accident Excess Medical Expense Coverage Maximum Benefit reduce by 50% at age 70.

Benefits

LIFETIME MAXIMUM BENEFIT PER MEMBER FAMILY .................................... $75,000
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) MAXIMUM BENEFITS*

• Primary Member ............................................. $2,500
• Spouse of Primary Member
  (if listed on the Membership Enrollment Application or later added, recorded and acknowledged by the Association) ....................... $2,500
• Eligible Dependent Children of Primary Member**
  (if listed on the Membership Enrollment Application or later added, recorded and acknowledged by the Association) ........ $2,500 per child

** Eligible Dependent Children of Primary Member means an unmarried dependent child of the Primary Insured who is under the age of nineteen (19) years (24 if a full-time student).

Note: The Excess Medical Expense Coverage Benefit provides benefits for incurred medical expenses covered under this plan in excess of coverage under any other valid insurance coverage, accident medical expense benefits or health benefit plan coverage, including but not limited to coverage or benefit entitlement under or pursuant to any uninsured/under-insured motorist coverage, personal injury protection coverage under any automobile policy, comprehensive major medical insurance, hospital/medical surgical insurance, other indemnity health insurance, health coverage under an HMO or PPO plan, workers’ compensation medical expense benefits, FELA medical expense benefits, Jones Act medical expense benefits, Medicaid and Medicare. Claims for benefits shall be administered based on the Blanket Group Policy issued to the Heartland Alliance of America. A copy of a Certificate of Coverage further outlining the Blanket Group Policy is available from the Association upon request.