In the event that an eligible member suffers from a “certified injury” that requires emergency medical transportation by helicopter in accordance with EMS protocols, the program will reimburse the participant up to a maximium of $7,000.00 per occurrence. Reimbursement includes expenses incurred for the cost of “Medically Necessary” or "Life Threatening" helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for “Medically Necessary” transports from one medical facility to another medical facility are subject to review by Lifeguard's Medical Officer.

Provisions include:
• One benefit will be paid per occurence.
• Benefits in excess of all valid collectable insurance.
• Coverage is worldwide.
• Transportation by helicopter only.

This benefit is provided to USA+ members by Lifeguard Emergency Travel, Inc.  Certain terms and conditions apply and benefits are subject to the Limitations and Exclusions.  See your Membership Handbook for the details.

LIMITATIONS AND EXCLUSIONS

The following conditions represent coverage exclusions:

1. Suicide or attempted suicide;
2. Intentionally self-inflicted injuries;
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4. Participation in any military maneuver or training exercise:
5. Mental or emotional disorders, unless hospitalized;
6. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
7. Commission or the attempt to commit a criminal act;
8. Participation as a professional in athletics;
9. Pregnancy and childbirth (except for complications of pregnancy);
10. Bodily injury or sickness which can be treated locally

 

 

When you or your child are ill in the middle of the night, or at any time, it is now at your fingertips to get professional help. Speak with a caring staff of registered nurses toll-free, 24 hours a day, 7 days a week.

CLC ID Protect Plus offers a comprehensive identity protection program with several layers of defense. ID Monitoring is the first layer; however, monitoring will never capture all fraudulent transactions. CLC ID protect backs up monitoring with additional layers of ID Protection and ID Recovery. We add up to $10,000 of insurance coverage to protect against financial losses, a US based team of professional Fraud Resolution Specialists™ to clear your records, tax fraud specialists to help clear issues with the IRS, financial specialists to help resolve financial hardships that can result from identity theft, and finally, we provide discounted legal services should the issue require the intervention of an attorney.
ID Monitoring*
CLC ID Protect Plus includes continuous 24/7 Social Security Number and Personal Information Monitoring with text and email alerts that notify you of possible misuse of your SSN and personal information and suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
*CLC ID Protect Plus does not monitor all transactions at all businesses. No service can stop all identity theft events.
ID Protection
CLC ID Protect Plus uses email and text alerts to notify you of suspicious activity involving your SSN and personal information. If your identity is stolen, identity theft insurance† coverage is available for fraud-related losses and expenses, such as lost wages or legal expenses.
† Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
ID Theft Recovery
CLC ID Protect Plus gives you unlimited access to a US based team of Fraud Resolution Specialists™ who work relentlessly on your behalf to restore your stolen identity and repair your damaged credit reputation should you ever fall victim to identity theft.
FRAUD RESOLUTION TEAM
You have unlimited access to our team of Fraud Resolution Specialists™. Each FRS™ is an experienced fraud representative and has been trained under the Fair Credit Reporting Act (FCRA). Each FRS is educated on and familiar with prohibited “collection” company activities under the Fair Debt Credit Protection Act (FDCPA).
Additional certifications include Certified Identity Theft Risk Management Specialist® and Certified Credit Report Reviewer.
EMERGENCY RESPONSE KIT
Receive a step-by-step guide when you fall victim to theft or a breach. This kit is available at any time through our website.

You are only a phone call away from immediate referral to your choice of over 20,000 attorneys, and 6,900 law firms nationwide.  You are entitled to:

• No initial consultation fee.
• One 30-minute in-office visit per month.
• Preparation of a simple Will or review of an existing Last Will and Testament at no charge.  (one per membership)

Beam provides you with easy-to-use, digital-first dental benefits.  Be sure to check out their self-service tools and resources including their member portal for quick access to digital insurance cards, policy information, claims tracking, and more.  Beam has you covered from coast to coast with 400,000+ dental access points nationwide.  Visit dentists.beam.dental to find a dentist today!

$50 Annual Deductible
$150 Family Deductible
Benefits are payable as follows, whether in or out of network:

	Olympus I	Olympus II	Olympus III
Preventive & Diagnostic Exams, cleanings, fluoride, space maintainers, x-rays and sealants	70% Out of network on 90th UCR	100% Out of network paid on PPO fee	80% Out of network paid on PPO fee
Basic Emergency palliative treatment: to temporarily relieve pain  Minor restorative: fillings Prosthetic maintenance: relines and repairs to bridges, implants, and dentures	50% Out of network on 90th UCR	80% Out of network paid on PPO fee	60% Out of network paid on PPO fee
Major Services Major restorative: crowns, inlays, and onlays Endodontics: root canals Periodontics: to treat gum disease Prosthodontics:  Dentures Prosthetics: bridges Implants Oral surgery: extractions and dental surgery	30% Out of network on 90th UCR	0% Out of network paid on PPO fee	0% Out of network paid on PPO fee
Annual Maximum	$1500	$1000	$2500

*Dental product underwritten by Nationwide Life Insurance Company, Columbus, OH. Dental product administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Not all Products Available in All States.
This provides a brief overview of the plan benefits and is subject to exclusions, limitations, terms and conditions of coverage as set forth in the insurance certificate provided in your membership materials and the Policy issued to USA+. A certificate of coverage will be made available to you that describes the benefits in greater details.

Access points are comprised of the following networks; Dental Benefit Providers (DBP), Careington, DenteMax Plus, Connection Dental, and First Dental Health.

The monthly association membership fees you will be charged include insurance premiums which are paid to Nationwide Life Insurance Company for dental insurance coverage. The monthly insurance premiums paid to Nationwide Life Insurance Company out of the monthly association membership fees are listed on page 7 of the product brochure.

No Benefits are payable under the Policy for the Services listed below. In addition, the Services listed below will not be recognized toward the satisfaction of any Deductible:
1. Any Services which are not included in the Schedule of Covered Procedures;
2. Any Service started or appliance installed before the Effective Date or after the Termination Date, except in those instances noted in this Certificate;
3. Any Service, which may not reasonably be expected to successfully correct the patient's dental condition for a period of at least 3 years, as determined by Us;
4. Any procedure We determine is not necessary, does not offer a favorable prognosis, does not have uniform professional endorsement or is experimental in nature;
5. Crowns, inlays, onlays, cast restorations, or other laboratory prepared restorations on teeth, which may be satisfactorily restored with an amalgam or composite resin filling;
6. Any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association, as well as any replacement of prior cosmetic restorations unless such procedure is listed in the Schedule of Covered Procedures;
7. Appliances, Services or procedures relating to:
a. the change or maintenance of vertical dimension;
b. restoration of occlusion (unless otherwise noted in the Schedule of Covered Procedures— only for occlusal guards);
c. splinting;
d. correction of attrition, abrasion, erosion or abfraction;
e. bite registration; or
f. bite analysis;
8. Replacement of bridges;
9. Replacement of full or partial dentures unless the prosthetic appliance is older than the age allowed in the Schedule of Covered Procedures and cannot be made serviceable;
10. Replacement of crowns, inlays or onlays unless the prior restoration is older than the age allowed in the Schedule of Covered Procedures and cannot be made serviceable;
11. For Orthodontia Services unless otherwise listed as a Covered Procedure in the Schedule of Covered Procedures;
12. Services provided for any type of temporomandibular joint (TMJ) or craniomandibular (CMB) disorder dysfunctions, muscular, skeletal deficiencies involving TMJ/CMB or related structures, myofascial pain unless such procedure is listed as a Covered Procedure in the Schedule of Covered Procedures;
13. Charges for implants of any type, and all related procedures, implant supported crowns, implant abutments, and removal of implants;
14. Charges for precision or semi-precision attachments, denture duplication, overdentures and any associated surgery, or other customized Services or attachments;
15. Athletic mouth guards; occlusal guards, myofunctional therapy; treatment for malignancies, cysts and neoplasms; failure to keep scheduled appointment; charges for completion of Claim forms, infection control; precision or semiprecision
attachments; denture duplication; oral hygiene instruction; separate charges for acid etch; charges for travel time; transportation costs; professional advice; treatment of jaw fractures; orthognathic surgery; exams required by a third party other than Us, personal supplies (e.g., water flosser, toothbrush, floss holder, etc.); or replacement of lost or stolen appliances;
16. Prescription drugs, premedication, pharmaceuticals, or analgesia;
17. Dental disease, defect or injury caused by a declared or undeclared war or any act of war or terrorism or taking part in an insurrection or riot; the commission or attempted commission of a crime; an intentionally self-inflicted injury or attempted suicide while sane or insane;
18. Dental treatment not approved by the American Dental Association or which is clearly experimental in nature;
19. Any charge for a Service for which benefits are available under Worker’s Compensation or an Ocupational Disease Act or Law, even if You did not purchase the coverage that is available to You;
 

20. Any charge for a Service performed outside of the United States other than for Emergency Treatment. Benefits for Emergency Treatment performed outside of the United States are limited to a maximum of $250 per Plan Year;
21. The initial placement of a removable full denture or a removable partial denture unless it includes the replacement of a Natural Tooth extracted while the Person is insured under the Policy;
22. The initial placement of a fixed partial denture including a Maryland Bridge, unless it includes the replacement of a Natural Tooth extracted while the Person is insured under the Policy, provided that tooth was not an abutment to an existing partial denture. Frequency Limitations for replacement of Dentures and bridges are stated in the Schedule of Covered Procedures. Benefits are payable only for the replacement of those teeth which were extracted while the Person was insured under the Policy;
23. The replacement of teeth beyond the normal complement of 32;
24. The replacement of an existing removable partial denture with a fixed partial denture unless upgrading to a fixed partial denture is essential to the correction of the Covered Person's dental condition;
25. Local, including light anesthetic, as a separate fee;
26. General anesthetic as a separate fee;
27. Any Treatment Plan which involves full-mouth reconstruction by the removal and reestablishment of occlusal contacts of 10 or more teeth with restorations, crowns, onlays, inlays, fixed partial dentures, dentures, or any combination of these
Services;
28. Services with respect to congenital (hereditary) or developmental (before birth) malformations, except during the 31 day period immediately following the birth of Your Child, including but not limited to; cleft palate, maxillary and mandibular (upper and lower) malformations, enamel hypoplasia (lack of development), fluorosis, and anodontia;
29. Dental care paid for, required, or provided by or under the laws of a national, state, local or provincial government, or treatment furnished within a hospital or other facility owned or operated by a national or state government unless the Insured Person has a legal obligation to pay;
30. Dental services performed in a hospital and related hospital fees;
Missing Teeth Limitation: We will not pay benefits for replacement of teeth missing on a Covered Person’s Effective Date of insurance under this Certificate for the purpose of the initial placement of a full denture, partial denture or fixed bridge. In addition, In addition, such replacement will not be recognized toward the satisfaction of any Deductible. However, expenses for the replacement of teeth missing on the Effective Date will be considered for payment as follows:
1. The initial placement of full or partial dentures will be considered a Covered Procedure if the placement includes the initial replacement of a Natural Tooth extracted while the Covered Person is covered under the Group Policy;
2. The initial placement of a fixed bridge will be considered a Covered Procedure if the placement includes the initial replacement of a Natural Tooth extracted while a Covered Person is covered under the Policy. However, the following restrictions will apply:
a. Benefits will only be paid for the replacement of the teeth extracted while a Covered Person is covered under the Group Policy ;
b. Benefits will not be paid for the replacement of other teeth which were missing on the Covered Person’s Effective Date.
c. Missing teeth limitation will be waived after a Covered Person has been covered under the plan for 5continuous years unless it is a replacement of an existing unserviceable prosthesis.

Exclusions may vary based on the member's state of residence.  A complete list of applicable exclusions may be found in the member's dental plan documents.

Members can receive services from the largest National Network with over 124,000 providers in the Select Network.  Members receive the following benefits:  

Vision Care Services	Member Cost In-Network	Out of Network Reimbursement
Exam with Dilation as Necessary	$0 Copay	$35
Frames, Lens & Options Package (Any frame, lens and lens optioons available at provider location)	$100 Allowance for frame, lens and lens options, 20% off balance over $100	$50
Contact Lenses (Includes materials only)
Conventional	$0 Copay, up to $100 Allowance, 15% off balance over $100	$80
Disposable	$0 Copay, up to $100 Allowance, plus balance over $100	$80
Medically Necessary	$0 Copay, Paid in Full	$200

*Benefits are provided to one (1) covered member within a benefit period.
LIMITATIONS AND EXCLUSIONS
Fees charged by a Provider for services other than covered vision materials must be paid in full by the Member.  Such fees or materials are not covered under this Policy.   Vision Materials - Lenses and/or Frames or Contact Lenses Benefit  are not covered for one hundred eighty (180) days.  This plan does not provide for any remaining balance for future use within the same benefit period. No benefits will be paid for services or materials connected with or charges arising from: 1) Orthoptic or vision training, subnormal vision aids, and any associated supplemental testing; Aniseikonic lenses; 2) Medical and/or surgical treatment of the eye, eyes, or supporting structures; 3) any Vision Examination; 4) any eye, or Vision Examination, or any corrective eyewear, required by an employer as a condition of employment and safety eyewear, unless specifically covered under the Policy; 5) services provided as a result of any Workers' Compensation law, or similar legislation, or required by any governmental agency or program whether Federal, state, or subdivisions thereof; 6) Plano (non-prescription) lenses; 7) non-prescription sunglasses; 8) two pair of glasses in lieu of bifocals; 9) services or materials provided by any other group benefit plans providing vision care; or 10) certain frame brands in which the manufacturer imposes a no discount policy.

Lost or broken lenses, frames, glasses, or contact lenses will not be replaced except in the next benefit period when Vision Materials would next become available.

Some provisions, benefits, exclusions or limitations listed herein may vary depending on your state of residence.

Underwritten by Fidelity Security Life Insurance Company, Kansas City, MO 64111.  Policy No. VC-63; Policy Form No. M-9059.  The premiums payable to Fidelity Security Life Insurance Company is $2.32.