Ten Day Free Look - You have 10 days following receipt of your certificate of insurance to request cancellation and a full refund. If you decide you don’t want the coverage, for any reason, you may request cancellation and receive a full refund.

Agent Referral : Your access to this site may have been made through a registered insurance agency. If you located that agency via a link they have provided, then this information is not required as that agency appears at the top of the page and will be automatically credited with the sale. If your local agent referred you and their name does not appear at the top of the page (an agency name will appear, but it may be that of the general agent supporting your agent), then please provide us this information so your agent will receive credit for the sale. This information is strictly for sales credit, it does not affect your premium, it is not required for enrollment..

Effective Date - Your coverage will begin at 12:01a.m. on the date selected. The Desired Effective Date must be at least one day following enrollment and no more than one month in the future. If you need an effective date more than one month in advance, you must wait to enroll.

Termination Date - This is an optional date you may select for when your coverage should terminate. Coverage terminates at the beginning of this date. If you have new coverage from another source that begins on the first of the month, select the first of that month for your coverage termination date. This will provide you continuous coverage without an overlap. If no termination date is selected you may be covered for up to 3 months. See Payment Frequency below for your available options.

Deductible - This is the amount of expense that must be met before the plan begins to pay any benefit. The higher the Deductible, the lower the premium cost.

Coinsurance - After the deductible, the plan and the Insured each pays a portion of the charges to a stop-loss point. After the stop-loss point, the plan pays 100% of eligible expenses. There are two available coinsurance options depending on your selected deductible.

Payment Frequency - Two premium payment options are available.

Supplemental Accident - When receiving treatment for an accident, this option pays 100% of the first $500.00 in covered charges before any cost is applied to the deductible.