Empire Life profiles cost-management group plan options

• Core coverage for drugs, private duty nursing, medical supplies and emergency travel assistance, plus an optional lump sum for semi-private hospital room, paramedical services and vision care

• You provide employees core coverage and choose whether or not to provide optional major medical benefits. If you include major medical, you set an overall annual dollar maximum for those expenses and let employees decide how to spend the benefit

Core Coverage:

• Your options for drug type, drug coinsurance, deductible and maximums are the same as for Empire Life standard drug plans (smoking cessation, sexual dysfunction, and fertility drugs are excluded)
• Private duty nursing provides up to $10,000 benefit per year
• Emergency Travel Assistance covers trips of up to 60, 90, or 120 days and a $5,000,000 lifetime maximum per insured

If you choose to add Major Medical Coverage:

• Coverage is based on $0 deductible, 100% coinsurance
• You can choose $500 or $1,000 annual maximum. Alternate maximums are available, subject to underwriting approval
• Sexual dysfunction and fertility drugs are excluded (smoking cessation drugs are covered)

• Simplifies decisions when designing your plan
• Greater choice and flexibility for employees
• More responsive to employee diversity
• Built in cost management for a more sustainable plan
• Easy, no hassle administration with no enrollment or lock-in periods to manage