Q: Is this Major Medical coverage?

A: No. This is not basic health insurance or major medical coverage and is not designed as a substitute for either coverage. However, benefits are provided in addition to any other insurance program and benefits can be assigned.

Q: Which doctors and hospitals may I use?

A: You are free to use any licensed doctor or any other certified hospital. To locate a doctor or hospital, call USNow Member Services at 1-800-694-9888.

Q: Do the USNow plan benefits cover maternity?

A: Yes. Pregnancy will be covered as any other sickness when date of conception is after the insured's effective date of coverage.

Q: Can the insured purchase USNow just for his dependents?

A: No, the insured must be the primary insured.

Q: Are Medicare recipients eligible for USNow?

A: Yes, however, Medicare regards USNow as Primary Coverage and may reduce or discontinue coverage.

Q: Can the USNow plan be used, if the insured has separate health insurance?

A: Yes, the specified benefits pay in addition to any other private group coverage.

Q: If I currently have an illness, will it be covered under the Group Hospital Indemnity Insurance?

A: Yes, it will be covered. There are no exclusions for pre-existing conditions.

Q: Am I allowed to assign my benefits to my healthcare provider?

A: Yes, benefits are fully assignable to your healthcare provider.