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Association Benefits*
When you purchase a Care Access Plan policy, you will become automatically enrolled into America’s Business Benefit
Association or ABBA, an association-based membership program. You will receive instructions on how to access your
association benefits in your welcome letter. These are non-insurance benefits. Benefits include:
• Discount prescription drug card
• Vision discount program
• American Hearing Benefits
• 24 hour nurse line
• Travel discounts
*In the following states, an association is not included/available: ID, ME, MT, NC, SD, UT. In Oregon, Communicating for America, Inc. is the
association-based membership program.
Plan and benefit details
Per injury or illness deductible
If you selected a per injury or illness deductible, the deductible must be satisfied for each separate covered injury or
illness before plan benefits begin. The deductible applies per covered person for each period of treatment. However, if
multiple covered persons in a family are injured in the same accident, only one deductible must be satisfied for each
period of treatment.
Period of treatment
A period of treatment begins (1) when a covered person is initially admitted to the hospital, (2) when services are
provided in an outpatient surgical facility or (3) when chemotherapy or radiation therapy is received on an outpatient
basis. The period of treatment ends 180 consecutive days later for the same or related injury or illness. if treatment
extends past 180 days for the same injury or illness, a new period of treatment will begin and a new per injury or
illness deductible will be required. A separate period of treatment will apply to each covered injury or illness.
The following benefits are subject to the per injury or per illness deductible, if selected:
Daily hospital room and board and miscellaneous hospital services inpatient indemnity benefit
The daily hospital room and board benefit is paid for each day of inpatient confinement and general nursing furnished
by the hospital. Benefit includes hospital miscellaneous medical services and supplies, x-rays, laboratory tests and
other diagnostic tests, chemotherapy or radiation services for the treatment of cancer, services of a radiologist or
radiology group and for services of a pathologist or pathology group for interpretation of diagnostic tests or studies
necessary for the treatment of the covered person while confined inpatient. This benefit does not include fees charged
for take-home drugs, personal convenience items or items not intended primarily for the use of the covered person
while confined inpatient. This benefit is not paid if benefits are paid under the daily hospital intensive care benefit.
Daily hospital intensive care and miscellaneous hospital services inpatient indemnity benefit
The daily hospital intensive care benefit is paid for each day of inpatient confinement in the hospital’s intensive care
or cardiac care unit, burn unit or other specialized care unit of a hospital. Benefit includes hospital miscellaneous
medical services and supplies, x-rays, laboratory tests and other diagnostic tests, chemotherapy or radiation services
for the treatment of cancer, services of a radiologist or radiology group and for services of a pathologist or pathology
group for interpretation of diagnostic tests or studies necessary for the treatment of the covered person while
confined inpatient. This benefit does not include fees charged for take-home drugs, personal convenience items or
items not intended primarily for the use of the covered person while confined inpatient. This benefit is paid in lieu of
the daily hospital room and board benefit.
Brochure Care Access Plan L 0518 7
When you purchase a Care Access Plan policy, you will become automatically enrolled into America’s Business Benefit
Association or ABBA, an association-based membership program. You will receive instructions on how to access your
association benefits in your welcome letter. These are non-insurance benefits. Benefits include:
• Discount prescription drug card
• Vision discount program
• American Hearing Benefits
• 24 hour nurse line
• Travel discounts
*In the following states, an association is not included/available: ID, ME, MT, NC, SD, UT. In Oregon, Communicating for America, Inc. is the
association-based membership program.
Plan and benefit details
Per injury or illness deductible
If you selected a per injury or illness deductible, the deductible must be satisfied for each separate covered injury or
illness before plan benefits begin. The deductible applies per covered person for each period of treatment. However, if
multiple covered persons in a family are injured in the same accident, only one deductible must be satisfied for each
period of treatment.
Period of treatment
A period of treatment begins (1) when a covered person is initially admitted to the hospital, (2) when services are
provided in an outpatient surgical facility or (3) when chemotherapy or radiation therapy is received on an outpatient
basis. The period of treatment ends 180 consecutive days later for the same or related injury or illness. if treatment
extends past 180 days for the same injury or illness, a new period of treatment will begin and a new per injury or
illness deductible will be required. A separate period of treatment will apply to each covered injury or illness.
The following benefits are subject to the per injury or per illness deductible, if selected:
Daily hospital room and board and miscellaneous hospital services inpatient indemnity benefit
The daily hospital room and board benefit is paid for each day of inpatient confinement and general nursing furnished
by the hospital. Benefit includes hospital miscellaneous medical services and supplies, x-rays, laboratory tests and
other diagnostic tests, chemotherapy or radiation services for the treatment of cancer, services of a radiologist or
radiology group and for services of a pathologist or pathology group for interpretation of diagnostic tests or studies
necessary for the treatment of the covered person while confined inpatient. This benefit does not include fees charged
for take-home drugs, personal convenience items or items not intended primarily for the use of the covered person
while confined inpatient. This benefit is not paid if benefits are paid under the daily hospital intensive care benefit.
Daily hospital intensive care and miscellaneous hospital services inpatient indemnity benefit
The daily hospital intensive care benefit is paid for each day of inpatient confinement in the hospital’s intensive care
or cardiac care unit, burn unit or other specialized care unit of a hospital. Benefit includes hospital miscellaneous
medical services and supplies, x-rays, laboratory tests and other diagnostic tests, chemotherapy or radiation services
for the treatment of cancer, services of a radiologist or radiology group and for services of a pathologist or pathology
group for interpretation of diagnostic tests or studies necessary for the treatment of the covered person while
confined inpatient. This benefit does not include fees charged for take-home drugs, personal convenience items or
items not intended primarily for the use of the covered person while confined inpatient. This benefit is paid in lieu of
the daily hospital room and board benefit.
Brochure Care Access Plan L 0518 7
