Affordable plans available, Just For You!

MINIMUM ESSENTIAL COVERAGE PLAN FOR 1099 & SMALL GROUP EMPLOYEES

With the MEC99 Plan you'll enjoy the convenience of affordable quality healthcare benefits for yourself and your family starting at just $99/month for a single member and less than $250/month for the family.

WHY CHOOSE THE MEC99 PLAN-THE BEST KEPT SECRET?

Affordable, Low Monthly Costs

No Co-Pays

No Deductibles, No Waiting Periods

National Network of Providers & Hospitals

AVOID the IRS tax penalty(s)

Plan Includes Discount Dental, Vision & Alternative Medicine

MEC99 is an affordable and innovative healthcare plan that can be used for your clients offering approved Preventive Care, Vaccinations and Wellness Services. Additionally, MEC99 is compliant with the Minimum Essential Coverage

requirements of the Affordable Care Act. The MEC99 eliminates the present “ObamaCare” shared Individual Shared Responsibility tax penalty.

The MEC99 plan provides employees and their families with approved Preventive, Vaccinations and Wellness Benefits while satisfying the Individual Shared Responsibility tax penalty imposed by the IRS. Also, if you are an employer you will

satisfy the Employer Mandate by having your employees enroll in the MEC99 plan, creating a penalty-free workplace.

*Minimum Essential Coverage is the type of coverage you need to avoid the Individual Shared Responsibility fee whichis the greater of and $2,085 for a family or 2.5% of your adjusted gross income ($695 for individual).

BENEFITS FOR ADULTS

Services, Screenings/Testing, and Vaccinations:

Abdominal Aortic Aneurysm Screening

Alcohol Misuse Screening and Counseling

Aspirin Use Counseling

Blood Pressure Screening

Cholesterol Screening

Colorectal Cancer Screening

Depression Screening

Type 2 Diabetes Screening

Diet Counseling

HIV Screening

Obesity Screening and Counseling

Sexually Transmitted Infection

Prevention Counseling

Syphilis Screening

Tobacco Use Screening and Interventions

Immunization Vaccines

Hepatitis A, Hepatitis B, Herpes Zoster, Human

Papillomavirus, Influenza (flu shot), Mumps,

Measles, Rubella, Meningococcal, Pneumococcal,

Tetanus, Diphtheria, Pertussis and Varicella

MONTHLY PREMIUM Single: $99

Couple: $185 Parent w/children: $195

Family: $229

www.mec99.com

BENEFITS FOR WOMEN

Services, Screenings/Testing, and Vaccinations:

Anemia Screening

Breast Cancer Genetic Testing (BRCA)

Counseling

Breast Cancer Chemoprevention

Counseling

Breast Cancer Mammography Screening

Breast Feeding Counseling and Supplies

Cervical Cancer Screening

Chlamydia Infection Screening

Contraception (Methods, Counseling)

Domestic and Interpersonal Violence

Screening and Counseling

Folic Acid Supplements

Gestational Diabetes Screening

Gonorrhea Screening

Hepatitis B Screening

Human Papillomavirus (HPV) DNA Test

Osteoporosis Screening

RH Incompatibility Screening

Urinary Tract and Other Infection Screening

Wellness Visits -Women

BENEFITS FOR CHILDREN

Services, Screenings/Testing, and Vaccinations:

Autism Screening

Behavioral Assessments

Blood Pressure Screening

Cervical Dysplasia Screening

Depression Screening

Developmental Screening

Dyslipidemia Screening

Fluoride Chemoprevention Supplements

Gonorrhea Preventive Medication

HIV Screening

Hearing Screening

Height, Weight, and Body Mass Index

Hematocrit or Hemoglobin Screening

Hemoglobinopathies or Sickle Cell

Screening

Hypothyroidism Screening

Infection Prevention Counseling

Iron Supplements

Lead Screening

Medical History (Well-Child Visits)

Obesity Screening and Counseling

Oral Health Risk Assessment

Phenylketonuria (PKU) Screening

Sexually Transmitted

Tuberculin Testing

Vision Screening

Immunization Vaccines

Hepatitis A, Hepatitis B, Herpes Zoster, Human

Papillomavirus, Influenza (flu shot), Mumps,

Measles, Rubella, Meningococcal, Pneumococcal,

Tetanus, Diphtheria, Pertussis and Varicella

VALUEADDEDPROGRAMSINCLUDED WITH MEC99

MYEWELLNESS

• Accesstowebbasedanimatedworkouts• Dailytipsonnutrition,weight-loss,exerciseanddiseaseprevention• Over4,500currenthealthandwellnessrelatedarticleswithdailyfeed• Selfhelphealthandwellnesscalculators• Unlimiteduseofhealthriskassessments• Completedisease,injuryandconditionslibrary• Healthtrackingandpointsforincentiveprograms• Linkstohundredsofadditionalwellnessresources• Applicableforeveryoneregardlessofdemographics• Private• 24/7webaccess

SNAPLIFESTYLES–SAVINGSNETWORKACCESSPROGRAM

• Entertainment-DiscountsonDinning,ThemeParksandMovieTickets• Health–DiscountsonDiabeticSupplies,ContactLenses,Hearing,Lasik,FreeAccesstoFitnessPrograms,

Eldercare,MedicalSupplies,PrescriptionDrugs(PeopleandPet),MedicalNegotiations(highmedicalbills)andVitamins

• PetInsuranceandPetDiscountMedical–Accesstodiscountpetinsurancethroughagroupprogramwitharangeofplanoptions.Withthepetdiscountplanyoucansaveonmedicalprocedures,boarding,daycare,training,petsittingandgrooming,petsupplies,freepetIDtagsand24hourserviceforlostpets.

• Shopping–CouponandPromoCodes,DiscountsinFlowers,CellPhonesandMagazines• Travel-Hoteldiscountsformajorhotelchains• VehicleSavings–SavingsonAutoLubes,AutoPurchasing,AutoRentals,AutoRepair,MotorHomeRentals,

Moving&StorageandTruckRentals

DENTACHOICE–DENTALANDVISIONSAVINGSPROGRAMS

• Dental-Dentachoiceisadiscount,orreduced-fee,dentalprogramthatutilizestheAetnaDentalAccess®Network.Thisprogramisdesignedforhealthconsciousconsumerslookingtomaintaintheiroralhealthandminimizetheirdentalcareexpenseswithsavingsthatrangefrom15to50%,onaverage.

• Vision-Ourdiscountvisionprogramoffersyouaveragediscountsof10-50%atover12,000opticalcenters,whethertheyaremajorchainsorindependenteyecarecenters.Discountscanbereceivedoneyeglassesframesandlenses),prescriptionsunglasses,contactlensesandcorrectivesurgery.

RX GOLD CARD - PRESCRIPTION SAVINGS PROGRAM

• Generic Mail Order-As part of our commitment to lowering health care costs, ENA Rx Gold offers over 2000 prescription drugs upto 30%-80% savings. Over 1000 other generic medications also up to 30%-80% savings

• Walk-in Discount Card-Plan Members will also receive the ENA Rx gold Discount Card, which allows you to shop locally andreceive discounts on your immediate need medications. The ENA Rx Gold Card is accepted by over 44,000 pharmacies so you won't haveto look far to save money.

Member Benefits• 24/7 Physician Access

• 6 Health Coaching Sessions

• Unlimited Access to Health Advisors

• Medical Bill Negotiation

• 8 Week Back Pain Relief Program

• 2 Free Lab Tests

• Discount Prescription Card

• Health Procedure Pricing Tools

• 4 Health Risk Assessments

Member Savingsaverage annual savings for family of 4

Physician Visits 6 office visits per year

Prescription Drugs average savings of $50 per month

Comprehensive Lab Tests 2 lab test per year

Health Coach Sessions 6 coaching sessions per year

Healthcare Pricing Tool example: MRI/CT scan savings

$750

$600

$800

$900

$800

COST SAVINGSaverage annual savings for family of 4

TOTAL SAVINGS: $3,550.00

Total Cost (household of 4) $3,850MyHealthPass (for entire family) $300

ENA Healthpass is revolutionizing the way healthcare services are delivered. Our innovative, low-cost personalized solutions help families seek immediate advice and treatment for common healthcare issues.

MyHealthMDtelemedicine

24/7 Access to U.S. Board Certi ied PhysiciansNo Co-Pays, Deductibles, or Consult Fees

Get the treatment you need in a matter of minutes, anytime and anywhere. Consult with a U.S. board-certified physician, 24 hours a day, 7 days a week via phone or video. When

medication is prescribed, it will be sent to the pharmacy of your choice. Sexual health services are also available. MyHealthMD is a convenient and affordable alternative to

costly ER or urgent care visits.

MyHealthAssessment Comprehensive Interactive

AssessmentsIdentify key health risks, poor eating habits and nutritional deficiencies through

our confidential and comprehensive online assessments. Your membership includes unlimited access to 4 specific assessments including:

Health Risk Assessment, Cardiac Risk Assessment, Diabetes Risk Assessment, Fitness Assessments

MyHealthCoach6 Health Coaching Sessions

Take a proactive approach to improving your health. Speak with our health coaches via phone or email for assistance improving your life and reaching your

health and fitness goals.

Meal planning assistance, Nutrition advice, Workout plans, Stress and sleep

management tools, Motivation and encouragement

MyHealthyBack8 Week Back Pain Relief &

Strengthening Program Healing low back pain doesn’t have to mean

costly appointments or putting up with the pain. MyHealthyBack’s proven evidence based program combines the clinical science of core stabilization, yoga based stretching and mobility to help you prevent or recover from lower back pain in just

10 minutes a day.

Consult with a health coach via phone, video or online to personalize a program that meets your needs and

ensures safety. The outcome: better posture, lasting daily habits, and a healthy back.

Simple, effective exercises and activities

Notifications & reminders

Healthy back education & ergonomic assessments

MyHealthLabsGet 2 FREE Lab Tests Per Year

Our MyHealthLabs benefit offers a HIPAA compliant method for delivering fast and reliable results in a

comprehensive report via mail or email.

Easy and ConvenientOur do-it-yourself blood kits can be completed in the comfort and privacy of your own home, eliminating

the need for a trip to a lab and the wasted time spent in the waiting room. Collection kits come with easy to follow directions and a postage paid envelope to

return the specimen to our partnering labs

MyHealthAdvocacyPro

Convenient. Personalized. Affordable

Get unlimited access to professional advocates to assist you with healthcare-

related questions and concerns. We educate our members on how to navigate a complex

healthcare system, helping them become a more empowered consumer.

We are ready to assist you today!

Prescription assistance programs Medical bill

review and negotiation Locating a surgery or

lab facility Healthcare cost estimate.

MyHealthRxLocate. Compare. Save.

Contact our pharmacy advocates to get the lowest price guaranteed on your prescriptions

by purchasing them through us. Once the purchase has been made, prescriptions can be mailed or picked up at the pharmacy of your choice. Reduce generic medication costs by 90%. Use our mobile app voucher system at over 60,000 pharmacies nationwide Custom

daily pill packing medication therapy management Auto refill reminders for home

delivery Case implementation.

MyHealthPricingToolCompare hundreds of proceduresOur health advocates help members identify the “Fair Price” of needed healthcare services/medical procedures. Our pricing tool compares hundreds of procedures by zip code, allowing members to quickly and easily understand what the true cost of the service or procedure should be.

PLUS My

Medical PPO Network Office Visit Pre-pay Service provides members affordable access tophysicians by allowing them to pay a $10 Office Visit Pre-pay before insurance benefits are applied.

RxEDO With a focus on customer care and attention to detail, RxEDO prides itself on being well-managed and offering quality health and life insurance products.

DenteMax Network With DenteMax, members have access to network discounts averaging20%-40% below normal costs for over 137,000 providers in all 50 states.

Discount Prescription Drug Card With ScriptSave® Savings average 22%, with potentialsavings of up to 50%, on brand name and generic prescription drugs at over 50,000 participating pharmacies.

Telemedicine With Teladoc 24/7 access to affordable care. Teladoc provides members with on-demand 24/7 phone, email, and video access to U.S. based licensed physicians for information, advice and treatment, including prescriptions for medication when appropriate.

SupportLinc Employee Assistance Program behavior change experts, we provide a full range ofproven practices to help individuals attain healthier and more balanced lifestyles. We offer 24/7 access to care.*These services are not insurance and are not provided by AXIS Insurance Company.

Value-Added Services, Savings and Online Tools!

Frequently Asked Questions

All of limited fixed indemnity plans include the following services* to enhance your plan value and provide increased savings:

WEB Enrollment: Go to www.mec99.com

TRN-AXISEC07272016

Where can I find providers?You can lookup providers at www.mec99.com

Is there an enrollment fee?Yes, there is a one-time $30 enrollment fee.

Rates

Single

Single + Spouse

Single + Children

Family

MEC99 MEC99 PLUS

$99.00

$185.00

$195.00

$229.00

$129.00

$214.00

$224.00

$259.00

ADDITIONAL RIDERS FOR

MEC99&

MEC99 PLUS

“I have health insurance but need help with meeting the high deductible and managing my out-of-pocket costs.”

HealthCare Assist An insurance plan for Members who are insured by a high-deductible health insurance plan(through a spouse or on an individual basis), who do not need HealthCare Select. Provides first-dollar fixed indemnity and accident medical coverage to help members with out-of-pocket medical deductibles and coinsurance.

HealthCare Assist PlansMONTHLY RATES $2,500* $5,000* $10,000*

MemberMember +1 DependentMember + Family

$40.00$70.00$99.99

$59.00$109.00$149.00

$75.00$140.00$195.00

INPATIENTHospital Confinement

Day 1 benefit amountDay 2+ benefit amount per day

$500 per day x 1 day$500 per day x 4 days

$1,000 per day x 1 day$800 per day x 5 days

$1,000 per day x 1 day$1,000 per day x 9 days

OUTPATIENT Accident Only CoverageBenefit % Payable 100% 100% 100%

Accidental Death & Dismemberment$5,000 Member

$2,000 Sp$1,000 Ch

$10,000 Member$5,000 Sp$1,000 Ch

$15,000 Member$5,000 Sp$1,000 Ch

CRITICAL ILLNESSBenefit Maximum

Payable for 10 conditions: Cancer, Heart Attack, Stroke, Renal Failure, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer’s, ALS, Terminal Illness

$2,500 $5,000 $10,000

States Not Available AL, AK, MT, MO, NV, NH, NY, NC, OR, SD,WA

SUPPLEMENTAL ASSIST PACKAGE (1)

Teladoc (1) – 24/7 access to affordable care by phone or online with $0 Copay. Teladoc provides members with on-demand access toU.S. based licensed Physicians for information, advice and treatment, including prescriptions for medication when appropriate.SupportLinc Employee Assistance Program (1) – Access to behavior change experts, providing a full range of proven practices to helpindividuals attain healthier and more balanced lifestyles. 24/7 access to care plus up to 3 face-to-face visits included.

RX Discount Card (1) – Savings average 22% up to 50% on brand name and generic prescription drugs at over 500,000 participatingpharmacies.

(1)These services are not insurance and are not provided by AXIS Insurance Company.* This does not include the monthly $3 administrative fee

NOTICEThe insurance described in this proposal provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

Accident & Assistance PlanProvides supplemental accident coverage. These plans focus on the unexpected by offering an outpatient accident benefit.

MONTHLY RATESMemberMember + 1 DependentMember + Family

ACCIDENT & ASSISTANCE PLAN*$30.00$50.00$60.00

OUTPATIENT ACCIDENT COVERAGEDeductible per accidentPaid at

Per year up to a maximum of:

$10080%

$10,000ACCIDENTAL DEATH & DISMEMBERMENTMemberSpouseChildren

$10,000$5,000$1,000

RX DISCOUNT CARD Discounts on Generic and Brand Prescriptions

States Not available: AL, AK, MT, MO, NV, NH, NY, NC, OR, SD,WA

SUPPLEMENTAL ASSIST PACKAGE (1)

Teladoc (1) – 24/7 access to affordable care by phone or online with $0 Copay. Teladoc provides members with on-demand access to

U.S. based licensed Physicians for information, advice and treatment, including prescriptions for medication when appropriate.

SupportLinc Employee Assistance Program (1) – Access to behavior change experts, providing a full range of proven practices to help

individuals attain healthier and more balanced lifestyles. 24/7 access to care plus up to 3 face-to-face visits included.

RX Discount Card (1) – Savings average 22% up to 50% on brand name and generic prescription drugs at over 500,000 participatingpharmacies.(1) These services are not insurance and are not provided by AXIS Insurance Company

Accident & Assistance Plan is underwritten by AXIS Insurance Company. It is not considered creditable coverage under HIPAA, is not major medical insurance, and is NOT designed to replace, provide, or modify major medical insurance. This information is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policy issued in the state in which policy is delivered. The policy is subject to the laws of the state in which it is issued. Coverage may not be available in all states or certain terms may be different if required by state law. This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims

MONTHLY RATESMemberMember + 1 DependentMember + Family

CRITICAL ILLNESS PLAN*$29.00$49.00$60.00

CRITICAL ILLNESS (1)

Benefit AmountPayable once per lifetime for 10 conditions: Cancer, Heart Attack, Renal Failure, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer’s, ALS, Terminal Illness

$15,000

(1)Critical Illness Benefit Plan is underwritten by AXIS Insurance Company.* This does not include the monthly $3 administrative fee

States Not available: AL, AK,CT , MT, MO, NV, NH, NY, NC, OR, WA

The insurance described in this brochure provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not in-tended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

Critical Illness PlanA buy-up fixed indemnity and accident medical option if you enroll in HealthCare Select and are looking for enhanced coverage for catastrophic events, OR, a stand-alone option (instead of HealthCare Select) if you are willing to self-pay your day-to-day medical expenses because you are more concerned about major events.

What’s Not CoveredUnder the Group Hospital Indemnity, We will not pay for any loss, injury or sickness that is caused by, or results from:· Pre-existing Conditions occurring within the first 6 months of

coverage (applies to all Outpatient, Hospital Confinement or SurgeryBenefits). “Pre-existing condition” means an illness, disease, orother condition of the Insured Person, that was treated, diagnosedor required medications in the 12 month period before the InsuredPerson’s coverage became effective under this policy.

· Intentionally self-inflicted injury, suicide or attempted suicide.· War or any act of war, whether declared or not.· Service in the military, naval or air service of any country or

international organization.· Piloting or serving as a crew member or riding in any aircraft except as

a fare-paying passenger on a regularly scheduled or charter airline.· Commission of, or attempt to commit, a felony.· Commission of or active participation in a riot, or insurrection.· Bungee cord jumping, parachuting, skydiving, parasailing, hang-gliding.· flight in, boarding or alighting from any aircraft except as a fare-

paying passenger on a regularly scheduled commercial airline.· An accident if the covered person is the operator of a motor vehicle

and does not possess a valid motor vehicle operator’s license,except while participating in Driver’s Education Program.

· Medical or surgical treatment, diagnostic procedure, administrationof anesthesia, or medical mishap or negligence, includingmalpractice. (This exclusion applies to the Accidental Death andDismemberment benefit only.)

· Travel or activity outside the United States, Canada or Mexico,except for a Medical Emergency.

· Travel in any aircraft owned, leased or controlled by the Policyholder,or any of its subsidiaries or affiliates. An aircraft will be deemed tobe “controlled” by the Policyholder if the aircraft may be used as thePolicyholder wishes for more than 10 straight days, or more than 15days in any year.

· Alcoholism, drug addiction or the use of any drug or narcotic exceptas prescribed by a Doctor unless specifically provided herein.

· Repair or replacement of existing dentures, partial dentures, braces,fixed or removable bridges, or other artificial dental restoration.

· While the covered person is legally intoxicated (as determined bythat state’s laws) or while under the influence of any drug unlessadministered under the advice and consent of a Doctor.

· Elective Abortion. Elective Abortion means an abortion for anyreason other than to preserve the life of the female upon whom theabortion is performed.

· Mental and Nervous Disorders.· Cosmetic surgery, except for reconstructive surgery needed as the

result of an injury or sickness.· Experimental or Investigational drugs, services, supplies or any

procedure held to be experimental or investigatory by Us at the timethe procedure is done.

· treatment for being overweight, gastric bypass or stapling, intestinalbypass, and any related procedures, including complications.

· sexual reassignment surgery, sexual transformation surgery, sexualtransgendering surgery.

· services related to sterilization, reversal of a vasectomy or tuballigation; in vitro fertilization and diagnostic treatment of infertility orother problems related to the inability to conceive a child, unlesssuch infertility is a result of a covered Injury or Sickness.

· treatment or services provided by a private duty nurse, unlessprovided for in the Policy.

· organ or tissue transplants and related services.· personal comfort or convenience items.· rest or custodial cures.· hearing aids.· radial keratotomy. · treatment by a family member or member of the Covered Person’s household.· routine dental care and treatment, except for treatment of Injury as

specified in the Policy.

Under the Accident Medical Expense Policy, We will not pay for loss, injury or sickness that is caused by, or results from:

1. Suicide or attempted suicide, intentionally self-inflicted injury.2. War or any act of war, whether declared or not.3. A Covered Accident that occurs while on active duty service in themilitary, naval or air force of any country or international organization.Upon Our receipt of proof of service, We will refund any premium paidfor this time. Reserve or National Guard active duty training is notexcluded unless it extends beyond 31 days.4. Sickness, disease, or any bacterial infection, except one thatresults from an accidental cut or wound or pyogenic infections thatresult from accidental ingestion of contaminated substances.5. Piloting or serving as a crew member or riding in any aircraftexcept as a fare-paying passenger on a regularly scheduled or charterairline.6. Injury that occurs while the Covered Person is legally intoxicated(as determined by that state’s law) or while under the influence of anydrug unless administered under the advice and consent of a Doctor.7. Medical or surgical treatment, diagnostic procedure,administration of anesthesia, or medical mishap or negligence,including malpractice.8. Commission of, or attempt to commit, a felony.9. Aggravation or re-injury of a prior Injury the Covered Personsuffered prior to his or her coverage effective date, unless We receivea written medical release from the Covered Person’s Doctor.

In addition to the above Exclusions, We will not pay Accident Medical Expense Benefits for any loss, treatment or services resulting from or contributed to by:· treatment by persons employed or retained by the Policyholder, or by

any Immediate Family or member of the Covered Person’s household.· treatment of sickness, disease or infections except pyogenic

infections or bacterial infections that result from the accidentalingestion of contaminated substances.

· treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis,appendicitis, osteomyelitis, cardiac disease or conditions,pathological fractures, congenital weakness, detached retinaunless caused by an Injury, or mental disorder or psychological orpsychiatric care or treatment (except as provided in the Policy),whether or not caused by a Covered Accident.

· pregnancy, childbirth, miscarriage, abortion or any complications ofany of these conditions.

· mental and nervous disorders (except as provided in the Policy).· damage to or loss of dentures or bridges, or damage to existing

orthodontic equipment (except as specifically covered by the Policy).· expenses incurred for treatment of temporomandibular or

craniomandibular joint dysfunction and associated myofacial pain(except as provided by the Policy).

· Injury covered by Workers’ Compensation, Employer’s Liability Lawsor similar occupational benefits or while engaging in activity formonetary gain from sources other than the Policyholder.

· cosmetic surgery, except for reconstructive surgery needed as theresult of an Injury.

· any elective treatment, surgery, health treatment, or examination,including any service, treatment or supplies that: (a) are deemedby us to be experimental; and (b) are not recognized and generallyaccepted medical practices in the United States.

· eyeglasses, contact lenses, hearing aids, examinations orprescriptions for them, or repair or replacement of existing artificiallimbs, orthopedic braces, or orthotic devices.

· expenses payable by any automobile insurance Policy without regardto fault. (This exclusion does not apply in any state where prohibited.)

· conditions that are not caused by a Covered Accident. · participation in any activity or hazard not specifically covered by the Policy.· any treatment, service or supply not specifically covered by the Policy.

No Dental indemnity Benefits will be paid for expenses incurred:· For services and supplies not listed in the Coverage Schedule, not

recognized as essential for the treatment of the condition accordingto accepted standards of practice or considered experimental.

· For cosmetic procedures, including but not limited to veneers and bleaching of teeth and procedures performed primarily for cosmetic reasons.

· For services related to, performed in conjunction with, or resultingfrom a non-covered procedure.

· For charges in excess of the Usual and Customary rate.· For any treatment program which began prior to the date the Insured

is covered under the Policy.· For crowns, inlays and onlays on teeth that can be restored by direct

placement materials.· For the replacement of crowns, bridges, dentures, inlays or onlays

that can be restored to normal function.· For the replacement of crowns, bridges, inlays, onlays or prosthetic

appliance within 5 years from the date of last placement.· For any unmarried child age 19 and over unless he is dependent

upon you for support and you claim as an exemption on your federalincome tax and/or while a full-time student. A full-time student is onewho is enrolled for 12 semester hours of credit in an accredited juniorcollege, college, or university. Any exemption will end at age 26.

· For service or supplies payable under any medical expense, auto orno-fault plan.

· For any condition covered under any Worker’s Compensation Act orsimilar law.

· For services applied without cost by any municipality, county or other political subdivision or for which there would be no charge in the absence of insurance.

· During any waiting period we require. When you voluntarily end your insurance without a qualifying event and re-enroll at a later date, your waiting period is 2 years and begins on the date your coverage first ended.

· For services that are applied toward the satisfaction of a Deductible, if any.· For services subject to a waiting period that were incurred during the

waiting period. · For charges resulting from changing from one provider to another while

receiving treatment, or from receiving treatment from more than one provider for one dental procedure to the extent that the total charges billedexceed the amount incurred if one provider had performed all services.

· For hospital facility charges for any dental procedure, including butnot limited to: emergency room charges, surgical facility charges,hospital confinement.

· For drugs or the dispensing of drugs.· For oral hygiene instruction; plaque control; acid etch; prescription

or take-home fluoride; broken appointments; completion of a claimform; OSHA/Sterilization fees (Occupational Safety & Health Agency);or diagnostic photographs (except for orthodontic purposes), unlessincluded within the Coverage Schedule.

· For implants; myofunctional therapy; athletic mouth guards;precision or semi-precision attachments; treatment of fractures,cysts, tumors, or lesions; maxillofacial prosthesis; orthognathicsurgery; TMJ dysfunction; cleft palate; or anodontia.

· For orthodontia, unless included within the Coverage Schedule.· For services to replace teeth that were missing (extracted or

congenitally) prior to the effective date of coverage on Our Plan. Thislimitation ends after 36 months of continuous coverage on the Plan.Abutment teeth will be reviewed for eligibility of prosthetic benefits.

· For composite, resin, or white fillings on posterior primary teeth.Benefits will be reduced to that of an amalgam or silver filling.

· For the replacement of a filling within 24 months of placement,unless for specific health reasons.

· For the replacement of retainers.· For sealants not applied to permanent bicuspid or molar; applied at

age 15 or older; applied 3 years from a previous sealant application;applied to a decayed tooth.

· For lab fees for higher metals or porcelain crowns, bridges, inlays, oronlays, unless included within the Coverage Schedule.

In addition, Critical Illness Benefits will not be paid for:· Injury or Sickness, other than one of the Covered Illnesses, even

though such Injury or Sickness may have been complicated by oneof the Covered Illnesses;

· The use, existence or escape of nuclear weapons, material orionizing radiation from or contamination by radioactivity from anynuclear fuel or waste from the combustion of nuclear fuel;

· Misuse of medication or the abuse of drugs or intoxicants;

Any Preexisting Condition, except where coverage has been in effect for a period of twelve (12) consecutive months following the covered person’s effective date of coverage. “Preexisting Condition” means a Sickness suffered by a covered person for which he or she sought or received medical advice, consultation, investigation, or diagnosis, or for which treatment was required or recommended by a Doctor during the 24 months immediately prior to the covered person’s effective date of coverage, that directly or indirectly causes the condition to occur within the first 24 months from the covered person’s most recent effective date of coverage.

For Critical Illness Benefit, Covered Person must be under age 65.

No Prescription Drug Benefits will be paid for:· All over-the-counter products and medications unless shown in the

definition of Prescription Drug. This includes, but is not limited to,electrolyte replacement, infant formulas, miscellaneous nutritionalsupplements, and all other over-the-counter products and medications.

· Blood glucose meters and insulin injecting devices.· Depo-Provera; condoms, contraceptive sponges, and spermicides;

sexual dysfunction drugs.· Biologicals (including allergy tests); blood products; growth hormones;

hemophiliac factors; MS injectables; immunizations; and all otherinjectables unless shown in the definition of Prescription Drug.

· Medical supplies and durable medical equipment.· Liquid nutritional supplements; pediatric Legend Drug vitamins;

prescribed versions of Vitamins A, D, K, B12, Folic Acid, and Niacin– used in treatment verses as a dietary supplement; and all otherLegend Drug vitamins and nutritional supplements.

· Anorexiants; any cosmetic drugs including, but not limited to,Renova and skin pigmentation preps; any drugs or products used forthe treatment of baldness; and topical dental fluorides.

· Refills in excess of that specified by the prescribing Doctor, or refillsdispensed after one year from the original date of the prescription.

· Any drug labeled “Caution – limited by Federal Law forInvestigational Use” or experimental drugs.

· Any drug which the Food and Drug Administration has determined tobe contraindicated for the specific treatment.

· Drugs needed due to conditions caused, directly or indirectly, bya covered person taking part in a riot or other civil disorder; or thecovered person taking part in the commission of a felony.

· Drugs needed due to conditions caused, directly or indirectly, bydeclared or undeclared war or any act of war; or drugs dispensed toa covered person while on active duty service in any armed forces.

· Any expenses related to the administration of any drug.· Drugs or medicines taken while in or administered by a Hospital or

any other health care facility or office.· Drugs covered under Worker’s Compensation, Medicare, Medicaid

or other governmental program.· Drugs, medicines or products which are not medically necessary.· Diaphragms; erectile dysfunction Legend Drugs; and infertility Legend

Drugs.· Epi-Pen, Epi-Pen Jr., Ana-Kit, Ana-Guard; Glucagon-auto injection;

and Imitrex-auto injection.· Smoking deterrents, Legend or over-the-counter drugs.· Replacement of stolen medication (except under circumstances

approved by us), or lost, spilled, broken or dropped Prescription Drugs.· Vacation supplies of Prescription Drugs (except under circumstances

approved by us).· All newly marketed pharmaceuticals or currently marketed

pharmaceuticals with a new FDA approved indication for a period ofone year from such FDA approval for its intended indication.

Choice Dental

Preventive ServicesType 1 - COVERAGE 100%

Includes exams, cleanings, x-rays, bitewing & full mouth x-rays, and

Basic ServicesType 2 - COVERAGE 80%

sealants, restorative amalgams &

composites, simple tooth extractions and periodontal

Major ServicesType 3 - 50% COVERAGE

Includes onlays, crowns, corwn repairs, endodontics, periodontics,

denture repair, implants, prosthodontics, space maintainers

*12 month waiting period on Type 3 services

monthly ratesSingle Member: $ .00

Member + Spouse: $ .00

Member + Children: $ 00

Family: $ .00

Example: Family of 5 gets

$ 00 annual ma per person$25 co-pay per visit

No Waiting PeriodOn your activation date, you have access to the

Guaranteed AcceptanceNo Age limit restriction

Premier Dental

Preventive ServicesType 1 - COVERAGE 100%

Includes exams, cleanings, bitewing

Basic ServicesType 2 - COVERAGE 80%

full mouth x-rays, restorative amalgams &composites, simple extractions,

Major ServicesType 3 - 50% COVERAGE

Includes oral surgery, endodontics, all periodontics, dentures, crowns,

bridges, complex extractions,

*12 month waiting period on Type 3 services

monthly ratesSingle Member: $ .00

Member + Spouse: $ .00

Example: Family of 5 gets $15,000

See policy outlines of coverage for details

$3,000 annual max per person$25 co-pay per visit

Includes Implant Coverage

No Waiting Period*On your activation date, you have access to the

Guaranteed AcceptanceNo Age limit restriction

Lenses (per pair)

Single Vision; Bi-focal; Tri-focal; Lenticular: 100% covered

Progressive: See Lens Options

Contact LensesFit & follow up exam: 15% discount

Elective: Up to $130Medically necessary: 100% covered

Frequencies (months)

Exam/Lens/Frames: 12/12/24 *based on date of service

Contact Lens ElectiveAllowance includes fitting, exam, and lenses.

The cost of the fitting and evaluation is deducted from the cost of the contact lens allowance.

Allowance can be applied to disposables, but the dollar amount must be used all at once (3-6 month supply). Applies when contacts are chosen in lieu of

glasses.

Additional Glasses20% off the retail price on additional pairs of

prescription glasses (complete pair).

Frame Discount20% off the remaining balance in excess

of the frame allowance.

Laser Vision CareAn average discount of 15% on LASIK and PRK.

The maximum out of pocket per eye for members is $1800 for LASIK and $2300 for custom LASIK using WaveFront technology; and $1500 for PRK. In order

to receive the benefit, a network provider must coordinate the procedure.

Lens Options (MEMBER COST)

Progressive LensesUp to provider’s contracted fee for lined

bifocal lenses. The member is responsible for the difference between the base lens

and the Progressive Lens charge.

Standard Polycarbonate$33/adult - COVERED IN FULL for

dependent children

Solid Plastic Dye $15 (except Pink I & II).

Deductibles $10 EXAMS

$25 EYE GLASS(Lenses or Frames)

Additional Features

Additional Lens Options

Photochromatic Lenses: glass & plastic: $31-$82

Scratch Resist Coating: $17-$33

Anti-reflective Coating: $43-$85

Ultraviolet Coating: $16

LASIK & PRK: See right page

Member RatesSingle Member: $17.00/month

Member + Spouse: $28.00/month

Member + Children: $25.00/month

Family: $32.00/month

*Enrollment & Premium payment dates:Submitted by the 24th - EFFECTIVE

DATE: 1st of month

VISION NOT AVAILABLE IN THESE STATES

Alaska | Arkensas | Montana | Nevada | New Hampshire | New

York | North Carolina | Oregon Washington

Enrollment Form for MEC Product Series

Step 1: Please include your Brokers/Agents Name___________________________________________

For questions please call: 646-871-1575Search First Health network providers at: http://firsthealth.coventryhealthcare.com/providers/index.htm(You DO NOT need to use these providers – they provide discounts should you choose to visit them. You can visit ANY licensed physician and present your insurance card – you may qualify for a discount. But regardless, you still have insurance coverage as outlined in this brochure.)

Step 2: Select the plan(s) that you want. DETAILS AND PRICING FOR EACH PLAN ON PREVIOUS PAGES.

Step 3: Select who you want to cover. CHECK ONLY ONE EVEN IF MULTIPLE PLANS ABOVE ARE SELECTED.

I want to cover myself only I want to cover myself and 1 dependent (spouse or child) I want to cover myself and my family

Step 4: Provide the information that we need in order to enroll you and/or your family members.

First Name M.I. Last Name Gender (M/F) Date of Birth

Social Security Number Member ID #

Street Address City State Zip Code

Email Address Primary Phone # Home Work Cell

DEPENDENT INFORMATION (IF ANY): For more than 3 dependents attach additional sheet.

Spouse/Child First Name M.I. Last Name Gender (M/F) Birth Date (mm/dd/yyyy)

BENEFICIARY INFORMATION: Person who will receive benefits in the case of your death. You will be the beneficiary for dependents.

First Name M.I. Last Name Gender (M/F) Relationship to You

WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT. I HEREBY ATTEST THAT I AM PURCHASING THIS POLICY AS A SUPPLEMENT OR IN ADDITION TO OTHER MAJOR MEDICAL COVERAGE ALSO KNOW AS “MINIMUM ESSENTIAL COVERAGE”.

Independent Member’s Signature Date Signed

METHOD OF PAYMENT: Debit my Checking Account (you must include a copy of a voided check with this form.)

Bank:

Branch Name/Address

Billing Name/Address

The insurance described provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Limited Accident & Sickness Medical, Accidental Death and Dismemberment, Critical Illness, Dental and Vision Plan coverages are underwritten by AXIS Insurance Company. HealthSelect, CriticalMed and HealthAssist are not major medical insurance and are NOT designed to replace, provide, or modify major medical insurance. This information is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policies issued in the state in which the policies are delivered. Complete details may be found in the policies on file at your group’s office. The policies are subject to the laws of the state in which they are issued. Coverage may not be available in all states or certain terms may be different if required by state law. Please keep this information as a reference. AXIS Insurance Company assumes no responsibility or liability for non-insurance services of third parties.

MEC Plan SeriesMEC 99MEC 99 PLUS

HealthCae Assist$2,500$5,000$10,000

Dental Plans$1,500$3,000

Accident & Assistance Yes

Critical Illness Yes

Vision Plan Yes

An Affordable plans available, Just For You!

Name

Phone

Email

www.mec99.com