Hospital Help Plan

Generally, no. Medicare and most major medical plans require deductibles, co-payments, and balance billing. Your out-of-pocket costs can run into hundreds or thousands of dollars even for a short stay. The Hospital HELP Plan pays a flat cash benefit to help cover those gaps.

Absolutely not. There are NO medical exams or health questions when you sign up. As a VFW Member, you and your spouse are GUARANTEED coverage regardless of your age or current health (subject to the pre-existing condition provision).

Yes. Once your coverage goes into effect, you are immediately covered for any new injuries or sicknesses. Any condition treated in the last 12 months will not be covered until you’ve gone 12 consecutive months without treatment for it, or been covered for one continuous year — whichever comes first.

No. There is NO LIMIT to the number of claims you can make. You can never be singled out as an individual for cancellation or a rate increase, no matter how often you are hospitalized.

Hospital HELP covers VA care too — $60/day for Days 1–14 and $120/day for Days 15–30, even if your VA care costs you nothing at all.

No problem. You have a 30-Day Free Look. If you’re not completely satisfied after reviewing your Certificate of Insurance, just let us know. We’ll cancel your coverage and issue a 100% refund of all premiums paid, as long as no claims have been made.

Administered by:
A.G.I.A., Inc.
P.O. Box 9947
Phoenix, AZ 85068-9952

A.G.I.A., Inc. is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Matt Bishop CA Insurance License #0F00863. Matt Bishop AR Insurance License #8493373.

Underwritten by:
Securian Life Insurance Company
400 Robert Street North
Saint Paul, MN 55101-2298

Full terms and conditions are in the certificate of insurance. These materials explain the general purpose of the insurance described, but in no way change or affect the Master Policy 9400/9401/9402, under policy series 17-50955 or individual policy form series 17-51094 or any state variation thereof. Some provisions, benefits, exclusions, or limitations herein may vary depending on your state of residence. This program may not be available to residents of all states. In the event of any discrepancy between this information and the policy/certificate, the terms of the policy/certificate will apply. Complete coverage information is in the Certificate or Policy issued to each insured individual.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries, including Securian Life Insurance Company.

Exclusions:
Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from, or contributed to by: routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary; intentionally self-inflicted injury, while sane or insane (Missouri while sane); treatment of a nervous or mental condition; alcoholism or drug addiction; injuries resulting from active military service; dental care, except as a result of injury to sound natural teeth; well-baby care of a newborn dependent child; declared or undeclared war or any act of war; pregnancy (except complications or pregnancy; as defined in the policy); expenses incurred for care received outside of the United States; participating in a riot; or committing an assault or felony. Benefits will be limited for hospitals owned or operated by the national government, up to 30 days per period of confinement.

*PRE-EXISTING CONDITIONS: HospitalHELP does not cover confinement for pre-existing conditions (injury sustained or sickness for which medical advice, care, diagnostic measures, or treatment was recommended by or received from a Physician for that same or related injury or sickness during the 12 month period (6 month in ID, NV, SD) immediately prior to the insured’s effective date) until the date the insured person has been insured under HospitalHELP for 12 consecutive months. The definition of pre-existing condition may vary by state.

Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.

This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare or other health coverage that meets “minimum essential coverage” as defined by the Affordable Care Act.