All Aboard Benefits
6162 E. Mockingbird Lane, Suite 104, Dallas, TX 75214
(800) 462-2322 .............. (214) 821-6677 .............. Fax: (214) 821-6676
All Aboard Benefits Website

• Insurance Terms and Definitions

  Policy Maximum Benefit
  This is the maximum amount of money (benefit) that the insurance company will pay in medical claims based on the (benefit amount you choose to purchase) for the length of time you selected.

  Co-Insurance
  Cost Sharing of the first $5,000 in medical bills. Health provider pays 80% - Insured pays 20%, after which provider pays 100% of UCR up to Plan Maximum.

  Stop-loss
  This is the amount of money ($5,000.00) in medical claims after which the insurance carrier begins to pay claims at 100% of UCR.

  Usual, Customary, and Reasonable (UCR)
  UCR rates refer to medical research which has determined the fair and reasonable charges for various medical procedures and treatments as well as fee for service charges based on the region of the country in which those services are provided.

  Deductible
  A dollar amount you have selected which you will pay before the insurance company begins to pay at the co-insurance level. You have several options of deductibles, and the deductible can impact what your monthly premium will be.

  Pre-existing Conditions
  (Not covered under the policy guidelines.) Pre-existing condition is defined as an injury or illness which was contracted or which first manifested itself; or for which manifestations of symptoms would have caused a prudent person to seek medical advice or treatment; or for which a licensed physician was consulted; or for which treatment or medication was prescribed within the five years prior to the effective date of the Insured Person's policy effective date.

  Repatriation of Remains
  If injury or illness commencing during the period of coverage under this policy results in death, all reasonable expenses incurred for preparation and return of the remains to your Home Country or Country of Residence are covered up to the maximum allowable amount.

  Optional Riders
  A rider can be added to your basic policy which will give you added benefits for specific needs (Hazardous Sports Coverage, Home Country Coverage, Frequent Traveler, etc.).

  Schedule of Benefits and Exclusions
  A policy always lists the benefits which are covered under the policy guidelines as well as services which are not provided under the policy. When requesting a quote, this information can be provided to you.

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