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Hospital Help Plan

NRA Hospital Help

This member benefit stands as a back-up in addition to your
health insurance … because it can provide benefits that are sent
straight to you or anyone you choose (just when you may need it most).

Hospital Help Plan

With this coverage, help put money back in your pocket to help with doctor and hospital expenses.

Overview

Why is this so important?

Because even with major medical coverage, a sudden trip to the hospital often leaves significant medical bills for YOU to pay.

No matter how good your medical coverage is, it generally doesn’t cover EVERYTHING. You’re responsible for deductibles … co-payments … even hospital tests that aren’t covered by your medical insurance.

That’s why the NRA Endorsed Hospital Help Plan was created. This program pays you:

  • Benefits from Day 1 of your hospital stay
  • DOUBLE Benefits if you need care for cancer or treatment in an intensive care or cardiac care unit
  • Benefits for Rehabilitation Facilities … and Inpatient stays at VA Hospitals.
  • THIS IS A HOSPITAL INDEMNITY ONLY POLICY.

Put Money Back In Your Pocket To Help With Doctor & Hospital Expenses

NRA Endorsed Hospital Help Plan gives you benefits − PAID REGARDLESS OF any benefits you get from medical insurance, Medicare or any other coverage you may have.

This member-only NRA Endorsed Plan steps forward with cash benefits for hospital stays … intensive care, cardiac care or care for cancer … and even rehabilitation facilities.

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Benefits

Here’s how it works:

Hospital Help Plan starts paying $50.00 a day on Day 1 of your hospital stay. That’s $350.00 paid straight to you or anyone you choose if you stay a week.

You’re in the hospital for cancer? Or you need extra care in an intensive or cardiac care unit? Your cash benefits DOUBLE to $100.00 a day … $700.00 a week.

Your doctor wants you to finish recuperating in a rehabilitation facility? Your cash benefits continue – with $50.00 a day sent straight to you.

Take a look at the important cash benefits available through Hospital Help:

Hospital Stays $50.00
per day
Days
1-14
$100.00 per day
Days
15-30
$200.00 per day
Days
31-365
Cancer, Intensive or Cardiac Care** $100.00
per day
Days
1-14
$200.00 per day
Days
15-30
$400.00 per day
Days
31-365
REHABILITATION*
Facility
$50.00 per day
Days
1-100
   
V.A. Hospital**
Up to 60 days per calendar year
$50.00 per day
Days
1-60
   
ADDED BONUS:
FIREARM ACCIDENT
$1,000.00 if you fall victim
to a fatal firearm accident
$50.00 per day
Days
1-14
$100.00 per day
Days
15-30
$200.00 per day
Days
31-365

ADDED BONUS: FIREARM ACCIDENT $1,000.00 if you fall victim to a fatal firearm accident.
*For all covered persons ending when the member reaches age 85.
** In Lieu of Hospital Benefit above.

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Rates

NRA Mass Purchasing Power Holds Rates As Low As Possible

NRA Endorsed Hospital Help Plan stands as a special bargain for members … especially when you consider that your benefits can easily add up to hundreds – even thousands – of dollars.

How are these money-saving rates possible? Because NRA leveraged the group buying power of more than 4.2 million members. Plus, because this exclusive program is offered to NRA Members and their families, we can keep administration costs down and pass the savings on to you.

Monthly Rates Reserved for NRA Families:

Member's Age Member Member & Spouse
Under 50 $6.83 $13.66
50-64 $11.61 $23.22
65-74 $13.37 $26.74
75+ $15.61 $31.22

Rate increase as you enter each higher are category. *Not available in CA for ages 65+

Monthly rates shown do not include the $2.00 administrative fee per premium payment for credit card payments or the 50 cent administrative fee for automatic checking withdrawal. For your convenience, premiums will be deducted from your account on a monthly basis. Rates increase as you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.

Please note: You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details

Your Hospital Help coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain an NRA member in good standing, and the Master Policy remains in force.

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Terms

Please Read Regarding Your Hospital Help Coverage

Exclusions:

Benefits will not be paid under this Policy for Hospital Confinements caused by, resulting from, or contributed to by: routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary; intentionally self-inflicted Injury, while sane or insane (in MO while sane); treatment of a nervous or mental condition, alcoholism or drug addiction (In IL: treatment of a nervous or mental condition; In SC: treatment of a nervous or mental condition, the Covered Person's alcoholism or drug addiction); injuries resulting from active military service; dental care, except as a result of Injury to sound natural teeth; well-baby care of a Newborn Dependent child; treatment or service rendered in any Hospital or convalescent facility owned or operated by the Federal Government, where, in the absence of insurance, there is no legal obligation to pay; declared or undeclared war, or any act of war; pregnancy (except Complications of Pregnancy, as defined in this Policy); expenses incurred or care received outside of the United States; participating in a riot; or committing an assault or felony.

Pre-Existing Conditions Limitation:

Hospital Help does not cover pre-existing conditions (injury or sickness for which you, your spouse or dependent children have required medical advice, care or treatment during the 12- month period (6 months in CA) immediately prior to the insured person's effective date will not be covered until the date the insured person has had no medical treatment or advice given by a Physician for such condition or the covered person has been insured under the Group Policy for 12 consecutive months).

This website provides a brief description of benefits available. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number MZ0927364H0002A/0003A. Some provisions, benefits, exclusions or limitations herein may vary depending on your state of residence.

Endorsed by:

Offered by:
Association Group Insurance Administrators

Underwritten by:
Transamerica Premier Life Insurance Company,
Cedar Rapids, Iowa

Administered by:
A.G.I.A., Inc.
P.O. Box 9159, Phoenix, AZ 85068
Questions? Call toll-free 1-877-672-3006

IMPORTANT NOTICE TO PERSONS ON MEDICARE

THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy.

This insurance pays a fixed amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.

This insurance duplicates Medicare benefits when: any expenses or services covered by the policy are also covered by Medicare. Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

  • Hospitalization
  • Physician services
  • Hospice
  • Outpatient prescription drugs if you are enrolled in Medicare Part D
  • Other approved items and services

Before You Buy This Insurance

  • Check the coverage in all health insurance policies you already have.
  • For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
  • For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).

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