Advantage Max $5,000

Hooray Health Plans provide limited essential accident and sickness coverage and are not a substitute for major medical insurance. *This is a term most associated with major medical plans so should be avoided. Also, when using it to describe the $25 per visit fee it is not accurate. There is a fixed indemnity benefit for the visit of $275. HH has a negotiated rate of $300 thus leaving the out of pocket at $25 this does not make it a copay as this term is legally defined terms in the healthcare arena. **First Health Network contracted providers can be found at hoorayhealth.com/FHN. Discounted rates will be applied after services are rendered at physician’s office through the Third Party Administrator. Member will be responsible for any payment balance above the plan payment of $275. Please see plan policy for details. ***Out-of-Network provider visits are paid $275 per the plan policy. Member will be responsible for any payment balance above the plan payment of $275. Please see plan policy for details. (1) The services described are not insurance are not provided by Zurich American Insurance Company. (2) Behavioral Health Visits limited to 3 per year including Licensed Counseling, Psych, and Psych Follow-Up. Out of pocket costs for additional visits are $85.00 for Licensed Counseling, $225.00 for Psych Initial Visit, and $95.00 for Psych Follow-Up. (3) Program is offered by Hooray Health, not employer. Discount programs are not offered by the employer, but is offered by Hooray Health to everyone regardless of hours worked or who their employer is. Distribution of materials that identify discount program should not be interpreted as employer sponsorship or endorsement of discount program. The Group Hospital Indemnity and Group Accident Insurance Benefits described above are underwritten by Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373. This document provides a general description of certain provisions and features of this insurance program and does not revise or amend the applicable policies. In the event of a discrepancy between this document and your certificate of insurance or the group policy, the terms of the group policy shall apply. All benefits are subject to the terms and conditions of the group policy. Please refer to your Certificate of Insurance for a detailed description of the insurance coverage, including the exclusions, limitations, reductions and termination. You can view a copy of the certificate at members.myhoorayhealth.com. Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law. This insurance provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative, it is intended to help supplement Comprehensive coverage. This insurance 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.