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New Era PALIC Health Choice Select

State Availability

AL AR AZ GA IA ID IL IN KY LA MD MI MO MS NE NM NV OK PA SC TN TX UT WI WY

Plan Information

Current as of 05/04/2020

PALIC’s Health Choice Select hospital indemnity offers a Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000; and Lifetime Maximum of $5,000,000 per policy. The number of Benefit Units per Policy: 1, 2, and 3. First Day Hospital Confinement Percentage: 100%, 80%, 50% and 20%.

Hospital Indemnity Benefits:

  • Hospital Confinement, Hospital ICU
  • Mental Illness, Alcohol and/or Substance Abuse
  • Rehabilitation Facility/Skilled Nursing Facility
  • Outpatient Radiation or Chemotherapy, and Outpatient Hospital or Ambulatory Surgical Center
  • Professional Services: Surgical, Inpatient Pathologist/Radiologist, and Physicians Care Indemnity Benefit for Non-Surgical
  • Daily Assistant Surgeon Surgical Services and Daily Anesthesia Indemnity Benefit for covered services are included

Outpatient Benefits:

  • Aggregate Calendar Year Maximum: $2,000 (1 Unit), $4,000 (2 Units), and $6,000 (3 Units)
  • Daily Outpatient Indemnity Benefits: Physicians, other Daily Outpatient benefits (MRI, CAT Scan, Nuclear Testing, additional Diagnostic Testing or X-rays, Laboratory Testing, Injections), Generic and Brand Name Prescriptions
  • Emergency Room, and Urgent Care Center. Daily Emergency Ambulance and Preventive Care Indemnity Benefits are included

Accident, Life, Critical Illness and Dental Riders are optional and may vary by state.

Value-added Benefits include: Teladoc; Healthcare Navigator; ScriptSave and PHCS (PPO Network discounts).

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