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EMA Victory Program

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  1. This Association Membership Package includes a Health Insurance Benefit
  2. Pre-Existing conditions are not covered for 12 months, beginning with the policy effective date and include treatments related to prescription medication prescribed as treatment for the condition.
  3. Applicants (prospective insureds) who have a pre-existing diagnosis of End Stage Renal Disease, or Chronic Obstructive Pulmonary Disorder will have the pre-existing condition or conditions for which they have been treated permanently excluded from coverage.
  4. Utah: The Outpatient Sickness and Diagnostic Rider is not available.
  5. Missouri & Nevada: The Outpatient Sickness Rider is not available.

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