EMA Critical Care MAX

GUARANTEED ISSUE

For Association Members ONLY

MEMBER BENEFITS

CRITICAL CARE MAX

CRITICAL CARE MAX

CRITICAL CARE MAX

10000

20000

30000

Critical Illness Benefit - Primary
(See Details Below)

$10,000

$20,000

$30,000

Critical Illness Benefit - Spouse
(See Details Below)

$5,000

$10,000

$15,000

Critical Illness Benefit - Children
(See Details Below)

$2,500

$5,000

$7,500

Health Screening Indemnity Benefit
(See Details Below)

$50

$50

$50

DISCOUNT MEMBER BENEFITS

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This is a Summary of Benefits available to you as a member of Emergency Management Alliance. This Summary does not provide complete details of the coverage that may be available. Please refer to the language in the certificate made available to you for a complete list of terms and conditions. (See Below)

CLICK HERE TO VIEW POLICY

LibertyTM Critical Illness

YOUR ELIGIBILITY

You must be a Member in good standing of the Emergency Management Alliance to become and remain eligible for Critical Illness Indemnity coverage. If you purchase and choose to cancel or fail to renew your Membership, your Critical Illness coverage would end, not only for you, but also for your Spouse or Dependent Children if you have enrolled them for coverage.

As an eligible Member, you can choose whether you would like coverage for yourself, and you can also choose whether you would like to cover your spouse and/or each of your dependent children if they meet the “Dependent Eligibility” requirements discussed below. You may add coverage for your spouse or dependent children at any time after you enroll.

FACE AMOUNT

Plan 1

Plan 2

Plan 3

You

$10,000

$20,000

$30,000

Spouse

$5,000

$10,000

$15,000

Each Dependent Child

$2,500

$5,000

$7,500

DEPENDENT ELIGIBILITY

As an eligible Member, your Spouse or Domestic Partner and Dependent Children are eligible for coverage.

Dependent Children means all of Your Children who are unmarried and under 26 years of age. However, if any Dependent Child is incapable of self-sustaining employment due to intellectual or physical disability and is dependent on You for support, such Age limit shall not apply.

Critical Illnesses (% of face amount)

Critical Illness coverage would pay you a benefit in the event that you or your spouse or dependent child (if you have chosen coverage for them) is diagnosed with any of the critical illnesses shown below. The amount of the benefit you would receive is the percentage of the face amount that you choose.

For example, if you choose a $10,000 benefit and you are diagnosed as having had a heart attack, you would receive a benefit equal to 100% of the face amount or $10,000. If you were diagnosed with a Partial Benefit Cancer, and if you choose that same $10,000 benefit, you would receive a benefit equal to 25% of $10,000 or $2,500.

Heart Attack

100%

Full Benefit Cancer

100%

Partial Benefit Cancer
(Carcinoma in Situ)

25%

Stroke

100%

Kidney (Renal) Failure

100%

Recurrence Benefit

If the Critical Illness, Critical Illness Procedure, Full Benefit Cancer or Partial Benefit Cancer recurs, you may be eligible for additional benefits as detailed in the Certificate.

Critical Illness Procedures (% of face amount)

Organ Transplant Benefit

100%

Coronary Artery Bypass Surgery

25%

Additional Benefits for All Covered Persons (per day)

Health Screening Indemnity Benefit

$50

Benefit Waiting Period: 30 days following the Coverage Effective Date

PRE-EXISTING CONDITION LIMITATION

Pre-Existing Condition means: 1. The existence of a condition or symptom that would cause a reasonable person to seek medical advice, care, or treatment within the 6 month period before the Covered Person’s Coverage Effective Date; or 2. A condition or symptom for which medical advice, care, or treatment was recommended by or received from a Physician within the 6 month period before the Covered Person’s Coverage Effective Date, regardless of whether such advice, care, or treatment was followed by the Covered Person.

We would not pay benefits for Critical Illnesses or Critical Illness Procedures or Hospital Confinement that are caused by, contributed to, or resulting from a Pre-Existing Condition unless the Diagnosis of the Critical Illness or the performance of such Critical Illness Procedure or Hospital Confinement occurs more than 12 months after the Covered Person’s Coverage Effective Date.

TERMINATION

Insurance coverage would terminate on the earliest of the following dates:

1. The date your membership terminates;

3. The date Emergency Management Alliance terminates or does not renew the Policy;

4. After you attain Age 70;

5. The date You have received the maximum benefits under the Policy;

6. The date you pass away.

Loss of coverage would not affect a claim that was incurred while you were a member in good standing.

TERMINATION DATE FOR YOUR DEPENDENT

A Covered Dependent’s insurance coverage would terminate on the earliest of the following dates:

1. The date your membership terminates;

2. The date Emergency Management Alliance terminates or does not renew the Policy;

3. The date your dependent loses eligibility;

4. If spouse coverage the date your spouse attains age 70;

5. The date your dependent has received the maximum benefits under the Policy;

6. The date you or your dependent passes away.

Loss of coverage would not affect a claim that was incurred while your dependent was covered.

Benefits would be based upon your or your Spouse or Dependent Child being diagnosed with a Critical Illness or performance of a Critical Illness Procedure. The word Diagnosed and each Critical Illness for which benefits would be payable are defined as follows:

SELECTED DEFINITIONS

The certificate uses a number of terms that are defined. Some of those defined terms are set forth below to assist in understanding the insurance coverages provided by enrollment.

Diagnosed/Diagnosis means a definitive and unequivocal identification of a Critical Illness or the need for a Critical Illness Procedure; 1) made by a Physician who is certified by a recognized organization as a specialist in the relevant medical area; 2) which is based on diagnostic procedures and criteria that are generally accepted and published by board certified specialists in that area of specialty as of the date of the diagnosis; and 3) which meets any additional diagnostic criteria that may be set forth in your Certificate.

Full Benefit Cancer means and is limited to a malignant tumor characterized by uncontrolled growth of malignant cells and invasion of normal tissue. The Full Benefit Cancer benefit also covers the following blood cancers: lymphoma, leukemia, and multiple myeloma. Full Benefit Cancer must be positively Diagnosed with pathologic confirmation. A Clinical Diagnosis will be accepted only if:

1. A pathologic diagnosis cannot be made because it is medically inappropriate or life threatening;

2. There is medical evidence to support the Diagnosis; and

3. A Physician is treating the Covered Person for a Full Benefit Cancer.

The following malignancies are excluded:

1. Chronic lymphocytic leukemia classified as Rai Stage 0;

2. All tumors that are histologically described as nonmalignant, benign, pre-malignant, noninvasive, dysplasia (all grades), or carcinoma in situ (America Joint Committee on Cancer (AJCC) TisN0M0);

3. All skin cancers, unless AJCC T3N0M0 or with any metastasis to lymph nodes or other organ systems, or the tumor is a malignant melanoma AJCC T1bN0M0 or higher;

4. Prostate cancer AJCC T1aN0M0;

5. Papillary carcinoma of the thyroid AJCC T1aN0M0;

6. Noninvasive papillary cancer of the bladder TaN0M0 or lower; and

7. Evidence of cancer cells or cancer genetic material detected by molecular or biochemical probes only (including but not limited to proteomic or DNA/RNA-based techniques) with no lesion amenable to tissue diagnosis.

Partial Benefit Cancer means and is limited to the following:

1. Carcinoma in situ, which for the purposes of the Policy, means a malignant neoplasm limited to the epithelium and confined within the basement membrane (classification TisN0M0 on the America Joint Committee on Cancer (AJCC) TNM cancer staging system);

2. Chronic lymphocytic leukemia classified as Rai stage 0;

3. Early stage melanoma, which for the purposes of the Policy means a malignant melanoma AJCC T1aN0M0;

4. Early stage prostate cancer, which for the purposes of the Policy means AJCC T1aN0M0;

5. Papillary carcinoma of the thyroid AJCC T1aN0M0

6. Noninvasive papillary cancer of the bladder AJCC TaN0M0.

Partial Benefit Cancer does not include:

1. Carcinoma and melanoma in situ of the skin; and

2. Evidence of cancer cells or cancer genetic material detected by molecular or biochemical probes only (including but not limited to proteomic or DNA/RNA- based techniques) with no lesion amenable to tissue diagnosis.

Partial Benefit Cancer, except for Rai Stage 0, must be positively Diagnosed with pathologic confirmation. This benefit will not be paid based on a cytology finding.

Physician.

Coronary Artery Bypass Surgery means surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts. Procedures that are done with a catheter inserted into an artery, such as balloon or laser angioplasty, atherectomy, or coronary stenting, are not covered.

Heart Attack means an Acute Myocardial Infarction that results in the death of heart muscle due to inadequate blood supply; provided that there is a detection of a rise and/or fall of cardiac biomarker values (preferably cardiac troponin with at least one value above the 99th percentile upper reference limit (URL)); and at least one of the following is satisfied:

1. Symptoms of ischemia;

2. Development of pathologic Q waves in the electrocardiogram (ECG);

3. New or presumed new significant ST-segment-T wave (ST-T) changes or new left bundle branch block (LBBB);

4. Identification of an intracoronary thrombus; or

5. Imaging evidence of new loss of viable myocardium or a new regional wall motion abnormality.

Hospital means an institution that meets all of the following:

1. Is licensed as a hospital pursuant to applicable law;

2. Is primarily and continuously engaged in providing medical care and treatment to sick and injured persons;

3. Is managed under the supervision of a staff of medical doctors;

4. Provides 24-hour nursing services by or under the supervision of a registered nurse (R.N.);

5. Has medical, diagnostic, and treatment facilities, with major surgical facilities on its premises, or available on a prearranged basis; and

6. Charges for its services.

Kidney (Renal) Failure means chronic, irreversible failure of both kidneys to function, as a result of which either regular renal or peritoneal dialysis, or renal transplant is initiated.

Organ Transplant means a human to human Organ Transplant procedure from a donor to the Covered Person:

1. Of allogenic (from another person) bone marrow or stem cells solely for treatment of bone marrow failure;

2. Transplant of an entire heart, lung, or pancreas; or

3. A total or partial liver transplant.

The following shall not be considered an Organ Transplant:

1. Transplant of any other organs, parts of organs, tissues, or cells;

2. Transplant of bone marrow or stem cells due to bone marrow failure that results from the treatment process for Full Benefit Cancer or Partial Benefit Cancer;

3. Autologous bone marrow transplant in which the Covered Person’s own bone marrow is used; or

4. Bone marrow transplant as treatment for Aplastic Anemia.

Physician means an individual who:

1. Is licensed as a doctor in the jurisdiction where the services are being performed; and

2. Is legally qualified to practice medicine; and

3. Renders care and treatment to the Covered Person that is appropriate for the condition and which is within the scope of the license.

Sickness means an illness or disease which requires treatment by a Physician.

Stroke means the infarction or death of brain tissue caused by the loss of blood supply or a bleed within the brain due to an acute cerebrovascular event which is evidenced by new (acute) damage to brain tissue appearing on imaging in a location that accounts for a new permanent, neurological deficit affecting a specific area or areas of the body.

Stroke does not include the following:

1. Diagnosis of stroke by imaging only without an acute neurologic event attributable to the damage to brain tissue;

2. Transient ischemic attack or migraine; or

3. Any cerebral injury that results, in whole or part, from trauma or hypoxia.

Treatment means consultation, care, or services provided by a Physician.

Benefits would not be payable if the Critical Illness or Critical Illness Procedure was caused by certain actions that you, your spouse, or dependent child took or were involved in. In addition, benefits would not be payable for services or treatment that are rendered by you or those close to you. These “exclusions from coverage” are as follows:

EXCLUSIONS

We would not pay benefits for any loss due to:

1.The Covered Person’s intentionally self-inflicted injury, suicide, intentional restriction of oxygen to the brain or any attempt thereof while sane or insane;

2.The Covered Person’s intoxication, or voluntary ingestion, including inhalation, snorting, inserting, or otherwise consuming any narcotic or drug including an “over the counter” drug unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed usage and dosage;

3.The Covered Person’s voluntary ingestion, including inhalation, snorting, inserting, or otherwise consuming of poison, gas, or fumes;

4.The Covered Person’s commission of, or attempt to commit, a felony, or engagement in an illegal occupation;

5.The Covered Person’s commission of or active participation in a riot or insurrection;

6.Declared or undeclared war or act of war or any act of declared or undeclared war; or

7. Services or treatment rendered by any person who is:

a. the Covered Person;

b. a Member of the Same Household;

c. an Immediate Family Member of the Covered Person; or

d. a Business Associate of the Covered Person.

Age    
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Terms and Conditions

THE MONTHY COST OF THIS MEMBERSHIP PACKAGE IS BASED ON THE PRIMARY MEMBER'S AGE.

AS THE PRIMARY MEMBER'S AGE INCREASES, THE RATES FOR THIS MEMBERSHP PACKAGE WILL INCREASE ACCORDING TO THE RATE SHEET (VIEW RATE SHEET HERE)

THE CRITICAL ILLNESS BENEFIT IN THIS MEMBERSHP PACKAGE TERMINATES AT AGE 70.


Emergency Management Alliance, Inc. (EMA), Organizations and Associations whose membership benefits are offered by EMA and any provider of services to EMA members is hereafter known as ("We", "Us" and "Our") and the enrolled Member is hereafter known as ("You" and "Your").


Membership Service Without limitation: We make no warranty that (i) the service will meet Your requirements; (ii) the service will be uninterrupted, timely, secure or error-free; (iii) the results obtained from use of the service will be accurate or reliable; (iv) the quality of any products, services, information, or other material obtained through Our service will meet Your expectations; (v) no advice or information obtained by You from Our personnel or through Our service shall create any warranty not expressly provided for in the terms of service and (vi) any errors in the service will be corrected.
Member Benefits ("Benefits"): As a member, you will be entitled to access all the benefits and discounts on certain products and services offered by participating providers. Benefits are explained in the Welcome Package or in other Member Materials that may be provided from time-to-time. Some of the Benefits may not be available in Your area. We and Our subsidiaries and affiliates are not responsible or liable for any Benefits provided by third parties, if You have any claims relating to such Benefits, You will make your claim against the company providing the Benefit. We make no warranties, expressed or implied, including the warranty of merchantability or fitness for a particular purpose, with respect to any of the Benefits or related information provided to you. Under no circumstances shall our liability exceed Your current Member Fee, and under no circumstances shall we be liable for Your incidental or consequential damages. We assume no responsibility for the payment of or contribution to any use or sales tax on the Benefits which may be imposed by taxing authorities and such taxes, to the extent imposed, shall remain Your sole responsibility or that of the provider of the Benefits, as the case may be. Support or assistance with the Benefits via the phone or a web site is provided on an "as is" and "as available" basis. You use it at Your sole risk.
Subscriber Communications and Consent: Subscriber Communications may include, but not be limited to Membership Materials, Membership Identification Card, Newsletter, Benefit Promotions, Notices, and Updates sent in the form of letters, other mailings or emails. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) may require that we obtain your express consent prior to using any information You provide to Us for the purposes of sending You Member Communications. You agree that your enrollment and subsequent participation will serve as Your express consent to receive any and all Member Communications sent by Us and/or its affiliated third parties. Should You wish to stop receiving promotional particular newsletters, promotions, or other communications, You may do so by "opting out". Each mailing You receive will contain specific instructions regarding how You avoid receiving future mailings of a similar nature as appropriate.
Membership Fees: Payment of fees for the Membership Service is due in advance. Fees will be collected in the manner established at the time of enrollment or subsequent renewal. You are solely responsible for any "returned check", "overdraft”, "over the limit" and any other similar fees incurred in connection with any Membership or renewal fees and any other amounts incurred by You when You use this program.
Membership Term: Your Membership is effective for the lesser of; the period of time which You have made full payment for; or the duration of the Membership Service, which may be cancelled at any time. Unless You notify Us that You wish to terminate this Agreement and cancel your Membership by following the Instructions below, Your Membership will continue automatically.
Termination: You agree that we, at Our sole discretion, may terminate Your Membership upon refund of remaining Membership Fees. If you wish to cancel Your Membership, for your protection we require that you notify Us in writing of any status change you wish to make in your coverage. All changes must be received 10 days prior to the scheduled draft date in order to be effective the 1st day of the following month. You may cancel your coverage at any time; however you will not receive a refund for any month in which your coverage was in force/active unless cancelled in writing less than 31 days from the member’s signature date on this application. Enrollment fees are excluded from any refunds unless the member resides in the State of TN.
Use of Membership: Your Membership is non-transferable. You agree that only individual named members may use the Membership. "Immediate Family" means You, Your spouse and your children living at Your home. You will promptly notify Us if You become aware of any unauthorized use of Your Membership card or Membership number, or if your Membership card is lost or stolen.
Modification of Membership Service: You agree that at our sole discretion and without prior notice or liability, We may at any time either temporarily or permanently, discontinue or modify any aspect of programs or web site including without limitation, (i) restricting the operating hours of customer service; (ii) changing Membership Fees; and (iii) restricting or terminating any Member’s right to use the benefit plan. If we decide to change the Membership Service, we will refer to those changes on Our web site. If You have provided an email address You will also be notified by way of an email.
Exclusions and limitations: Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations herein may not apply to you.
Availability Restrictions: Our programs are only available to residents of the contiguous United States, but not all programs are available in all states. Availability for each program we offer is outlined on
www.calstarbenefits.com.


THIS IS NOT A REPLACEMENT TO HEALTH INSURANCE. Emergency Management Alliance, Inc. (EMA), Organizations and Affiliates who promote EMA membership benefits are not insurance companies. Some benefit packages contain insurance and some do not. We contract with Associations, Networks and other third parties to compile the benefit packages we offer. Payments of valid Insurance claims are the responsibility of the Insurance Companies who issue the master policy to Us or a policy to our members. These packages are not designed to replace existing insurance or be a substitute for insurance.

This Agreement: If any potion of this agreement is deemed void the remainder shall remain in force.


If you still have questions regarding our programs, DO NOT complete the application!
Contact our Corporate Office at 877-697-0026 so we can answer any questions you may have.

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Two Day 2 business days $15
Next Day 1 business day $30
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