Sunday Gazette-Mail from Charleston, West Virginia on August 13, 1972 · Page 123
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August 13, 1972

Sunday Gazette-Mail from Charleston, West Virginia · Page 123

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Location:
Charleston, West Virginia
Issue Date:
Sunday, August 13, 1972
Page:
Page 123
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Page 123 article text (OCR)

19 Important Questions New Doctors answered about The Hospital Plan 1. What is The Doctors Hospital Plan? The Doctors Hospital Plan is a brand- new, low-cost health protection plan-that pays extra cash direct to you when a covered accident or illness hospitalizes you or a covered member of your family. 2. Why do I need The Doctors Hospital Plan in a d d i t i o n to my regular insurance? Probably your present hospital insurance won't cover all your hospital expenses, but even if it does, you will still need help to cover all your household expenses when you are hospitalized. 3. Can I collect even if I carry other health insurance? Yes, The Doctors Hospital Plan pays you in addition to any health insurance you carry, whether individual or group--even in addition to Medicare! And all your benefits are tax-free! Of course, you may have only one like policy with Physicians Mutual. 4. How do I qualify for this coverage? Your only qualification is to complete and mail your Enrollment Form by the deadline date shown. Simply use the Air Mail envelope enclosed to mail your form today. No stamp needed. 5. Which plan should I choose? You may choose any of four low-cost plans -- you can actually select the exact plan that suits you best! Il you are l i v i n g by yourself, or wish to cover only one member of the family, choose the INDIVIDUAL PLAN. If you have no children as yet, or if you have children xvho are grown and no longer dependent on you, you will want the HUSBAND-WIFE PLAN. If yours is a young, growing family, we recommend the ALL-FAMILY PLAN. You and your wife are covered -- and all your children (and future additions) over 3 months and under 21 are included, as long as they are unmarried and live at home. If you are the only parent living with your children, we suggest the ONE- PARENT FAMILY PLAN. This covers you and all unmarried children (including future additions) living at home over 3 months of age and under 21. 6. If I become hospitalized, when do my benefits begin? On all plans, your cash benefits are paid from the very first day of covered hospital confinement, for as long--and for as many times--as you are hospitalized, up to the maximum (Aggregate of Benefits) of the plan you choose. 7. How much can I be paid? Each plan has its own "Aggregate of Benefits," what we call the maximum. For example, under the INDIVIDUAL PLAN, the m a x i m u m is $5,000--5428.40 a month ($14.28 daily) when you are hospitalized. Under the HUSBAND-WIFE PLAN, the maximum is 57,500--$428.40 a month ($14.28 daily) when you are hospitalized; $321.30 a month ($10.71 daily) when your wife is hospitalized. Under the ALL-FAMILY PLAN, the maximum is $10,000--$428.40 a month ($14.28 daily) when you are hospitalized; §321.30 a month ($10.71 d a i l y ) when your wife is hospitalized; $214.20 a month ($7.14 daily) for each eligible child hospitalized. Under the ONE-PARENT FAMILY PLAN, the maximum is $7,500--§428.40 a month ($14.28 daily) when you arc hospitalized; $214.20 a month (§7.14 daily) for each eligible child hospitalized. 8. Are any additional benefits included in The Doctors Hospital Plan? Yes. You receive a 50% increase in cash benefits if you or any covered family member is hospitalized for cancer (including Leukemia and Hodgkin's Disease), heart attack (acute myocardial infarction, coronary thrombosis and coronary occlusion), or stroke (apoplexy). 9. What are the "double" cash benefits? If you and your wife are both injured and hospitalized at the same time and are covered by the ALL-FAMILY PLAN or the HUSBAND-WIFE PLAN, you get dou- ble cash benefits. You get double -$1,499.40 A MONTH ($49.98 A DAY)! 10. Does this plan pay in any hospital? You will be covered in any lawfully operated hospital except nursing homes; convalescent, extended-care, or self-care units of hospitals; or Federal hospitals. 11. When does my policy go into force? It becomes effective the very same day we receive your Enrollment Form. New accidents are covered on that date. After your policy is 30 days old, new sicknesses which begin t h e r e a f t e r arc covered. Under the ALL-FAMILY PLAN and the HUSBAND-WIFE PLAN, childbirth or pregnancy or any consequence thereof is covered after your policy is in force for 10 months. 12. What if someone in my family has had a health problem that may occur again? Even if one of your covered family members has suffered from chronic ailments in the past, pre-existing conditions are covered after the policy has been in force for one year. 13. What conditions aren't covered? Only these exceptions: pregnancy or any consequence thereof (unless you have the ALL-FAMILY PLAN or the HUSBAND-WIFE PLAN), war, military service, mental disorder, alcoholism or drug addiction, or if something happens "on the job" and is covered by Workmen's Compensation or Employers Liability Laws. 14. Can I drop out any time? Can you drop me? We will never cancel or refuse to renew your policy for health reasons--for as long as you live and continue to pay your premiums. We guarantee that we will never cancel, modify or terminate your policy or change your rates unless we do so on all policies of this type in your entire state or until the maximum (Aggregate of Benefits) of your policy has been paid. You, of course, can drop your policy on any renewal date. 15. How do my maximum benefits grow each month? When your policy is issued, your insurance provides up to $10,000, $7,500, or $5,000 -- depending on the plan you choose. This is your "Aggregate of Benefits." Then, every month your policy is in force, an amount equal to your regular monthly premium (including your first month) is actually added to your maximum. When you have claims, benefits are simply subtracted from your maximum. 16. How do I claim my cash benefits? With your policy, you will receive a simple, easy-to-use Claim Form, which you send directly to the company when you want to claim your cash benefits. 17. Why are the premiums so low? With The Doctors Hospital Plan, you actually get all these benefits--at such a low cost--because this is a mass enrollment plan--and no salesmen will call. Our volume is higher and our total sales costs are lower. 18. How much does my first month cost? Only $1.00, regardless of your age, the size of your family or the plan you select. After the first month, if you are under 65, you pay only these low monthly rates: only $3.95 a month for the INDIVIDUAL PLAN; only $6.45 a month for the HUSBAND-WIFE PLAN; only $7.95 a month for the ALL-FAMILY PLAN; only $5.95 a month for the ONE-PARENT FAMILY PLAN. (If you are 65 or older, premiums increase. See modest increase in box on a preceding page.) 19. Why should I enroll right now? Because an unexpected sickness or accident could strike without warning--and you will not be covered until your policy is in force. Remember, if for any reason you change your mind, you may return your policy within 10 days and your §1.00 will be refunded immediately.

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