MP+ International Insurance

Summary of Benefits

All amounts shown are in U.S. dollars.

Summary of Benefits
The following benefits are offered to eligible insureds. The plan covers charges for Eligible Medical Expenses within the area of coverage. All amounts shown are in U.S. dollars.
Area of Coverage Worldwide
Maximum Limit per Lifetime $1,000,000 standard, $5,000,000 option available
Deductible per Calendar Year All deductibles apply worldwide and are per Insured person
Family Deductible per Calendar Year Two deductibles per family
Emergency Room Deductible An additional Deductible of $250 will be applied for each emergency room visit for treatment of an Illness which does not result in inpatient status.
Coinsurance per Calendar Year For Treatment received outside the U.S.: 0%

For Treatment received within the U.S.:
In the PPO Network – 20% of Eligible Medical Expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider – 15% of Eligible Medical Expenses until reaching $5,000, then 0%
Outside the PPO Network – the greater of $50 or 20% reduction of Eligible Medical Expenses until reaching $1,000 and then 20% of Eligible Medical Expenses
Eligible Medical Expenses URC
Hospital Room & Board Up to the average semi-private room rate, including nursing service
Intensive Care Unit Maximum of three times (3x) average semi-private room rate
Mental or Nervous Disorders Outpatient Treatment: 50% of Eligible Medical Expenses and maximum of 40 visits per Insured Person per Calendar Year.
Inpatient Treatment: Maximum of 30 days per Insured Person per Calendar Year
Newborn Care & Congenital Disorders $250,000 lifetime maximum for Newborn Care and Children’s Congenital Disorders until age 18. 60 day waiting period if the delivery of the Newborn is not covered under this insurance.
Physical Therapy $2,500 Maximum per Calendar Year
Chiropractic Care 50% of Eligible Medical Expenses up to $500 Maximum per Calendar Year
Hospice $7,500 lifetime maximum per Insured Person
Home Nursing Care Limited to 30 days per Calendar Year
Extended Care Facility Limited to 60 days per Calendar Year
Podiatry $750 maximum per Calendar Year
Wellness Up to $500 every 12 months. Not subject to deductible or coinsurance
Prescription Medication Outside of U.S.: URC
Within the U.S.: Maximum of 90 day supply per prescription when using Universal Rx program along with the following copays: $15/Tier 1, $30/Tier 2, $60/Tier 3
Transplant $500,000 lifetime maximum for covered transplants
Hospital Indemnity Benefit Private Hospitals: $400 per overnight and $4,000 Maximum per Calendar Year
Public Hospitals: $500 per overnight and $5,000 Maximum per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.