HCC CitizenSecure Plan Benefits

Citizen Secure Brochure plan

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CitizenSecure® Insurance is Best for:

  • US Expatriates: US Expatriates  Individuals or families who reside or are moving abroad to a country other than the US for a permanent or semi-permanent basis typically longer than a year.
  •  International Expatriates: Individuals or families who reside or are moving abroad to the US or another country outside of their home country for a period typically longer than a year.
Benefit Summary:
BENEFITS Limit – all limits are per Certificate Period except as specifically indicated otherwise
Overall Maximum Limit $5,000,000 Lifetime
Coverage Area Option 1 – Including the US and Canada
Option 2 – Excluding the US and Canada
Deductibles Available $250, $500, $1,000, $2,500 or $5,000 per Member per Certificate Period
Family Deductible Maximum of 3 Deductibles per Family per Certificate Period
Coinsurance — Claims Incurredin US or Canada* After the Deductible, Underwriters will pay 80% of the next $5,000 of Eligible Expenses per Member per Certificate Period, then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider
Coinsurance — Claims Incurredoutside US or Canada After the Deductible, Underwriters will pay 100% of Eligible Expenses per Member per Certificate Period to the Overall Maximum Limit
Family Coinsurance After $3,000 of Coinsurance has been paid per Family per Certificate Period, Underwriters will pay 100% of Eligible Expenses to the Overall Maximum Limit
Hospital Room and Board — In US or Canada* Average Semi-private room rate
Hospital Room and Board — Outside US or Canada Average Private room rate
Intensive Care Unit Usual, Reasonable and Customary
Prescription Drugs Usual, Reasonable and Customary Subject to Deductible and Coinsurance
Mental Health Disorders $10,000 per Certificate Period, $25,000 Lifetime Maximum, $50 Maximum per visit per day for outpatient care (after 12 months of continuous coverage)
Maternity — Normal or Complicated Delivery After the Deductible, Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of continuous coverage)
Maternity — Complicated Delivery After the Deductible, Underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of continuous coverage)
Maximum for Maternity $250,000 Lifetime
Newborn Care Included as part of Maternity benefits for a maximum of 60 days
Pre-existing Conditions Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider
Local Ambulance Usual, Reasonable and Customary
Physical Therapy $50 Maximum per visit per day
Wellness All Wellness benefits are available after 12 months of continuous coverage and are not subject to Deductible. Members under age 19: $50 per visit (including immunizations), maximum of three visits per Certificate Period. Members age 30 and over: $250 per Member per Certificate Period. Female Members age 40 and over (or qualifying Woman at Risk): $100 per Member per Certificate Period for a screening mammogram
Human Organ/Tissue Transplants Same as any other Illness for Covered Transplants**
All Other Eligible Expenses Usual, Reasonable and Customary
Emergency Medical Evacuation $50,000 Lifetime Maximum
Repatriation of Remains $25,000 Limit
Emergency Reunion $10,000 Lifetime Maximum
Pre-certification Penalty 50%
* Benefits within the US and Canada are not available to applicants electing Option 2 as their Coverage Area.
**Covered Transplants include Heart/Lung, Lung, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow.

Optional Dental and Sports Riders available, please call 1-800-576-2674