// This file contains the text information for the Association Benefit tables pop up windows
var doctor_visit_info = "This benefit is payable, up to the Plan Maximum, for visits to a Doctor\'s office, which are Medically Necessary due to a Covered Injury or Sickness. Benefits are limited to a single Doctor visit per day per Covered Person.";
var doctor_visit_info_ny = "This benefit is payable, up to the plan max, for visits to a doctor\'s office, which are medically necessary due to a covered injury or sickness. Benefits are limited to a single doctor visit per day per covered person.";
var wellness_visit_info = "This benefit is payable, up to the Plan Maximum, for routine health examinations and immunizations for Covered Persons age 1 or older.";
var wellness_visit_info_ny = "This benefit is payable, up to the plan max, for routine health examinations and immunizations for covered persons age 1 or older.";
var infwellness_visit_info = "This benefit is payable, up to the Plan Maximum, for routine health examinations and immunizations for covered persons under age 1.";
var infwellness_visit_info_ny = "This benefit is payable, up to the plan max, for routine health examinations and immunizations for children under age 1.";
var diag_info = "This benefit is payable, up to the Plan Maximum when as the result of a Covered Injury or Sickness, X-rays, Laboratory and other diagnostic tests are ordered or performed by a Doctor.";
var diag_info_ny = "This benefit is payable, up to the plan max when as the result of a covered injury or sickness, x-rays, laboratory and other diagnostic tests are ordered or performed by a doctor.";
var hospital_adm_info = "This benefit is payable for Day 1 when a Covered Person is admitted to a hospital (semi-private room) other than a recovery room and confined as a resident bed patient due to Covered Injury or Sickness.";
var hospital_conf_info = "This benefit is payable for Days 2-31, up to the Daily Benefit Amount in the schedule, when as the result of a Covered Injury or Sickness a Covered Person is confined in a Hospital (semi-private room).Maximum benefit for all Hospital and ICU/CCU confinement is 30 days following the first day admission that applies per Policy Year.";
var hospital_icu_ccu_info = "This benefit is payable for Days 2-31, up to the Daily Benefit Amount in the schedule, when as the result of a Covered Injury or Sickness a Covered Person is confined in a Hospital ICU or CCU unit.
Maximum benefit for all Hospital and ICU/CCU confinement is 30 days following the first day admission that applies per Policy Year.";
var hosp_t_c_info = " NOTE: See terms and conditions for definitions and exclusions. Terms and conditions may vary by state. THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE OR REPLACEMENT FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE.";
var surgery_info = "This benefit is payable as 100% of Usual & Customary rates, up to the plan maximum, for surgery required as the result of a Covered Injury or Sickness.";
var anesthesia_info = "This benefit is payable, up to the Plan Maximum, for Covered Expenses, when administered by a Doctor in connection with a covered surgical procedure resulting from a Covered Accident or Sickness. This benefit is 25% of the surgery benefit amount.";
var er_info = "This benefit is payable, up to the Plan Maximum when, as the result of a Covered Injury or Sickness, a Covered Person receives Medically Necessary treatment by a Doctor in a Hospital Emergency Room. Medical Emergencies only.";
var ambulance_info = "This benefit is payable, up to the Plan Maximum, when as the result of a Covered Injury or Sickness a Covered Person requires the services of a licensed professional ambulance company for transportation to or from a Hospital. Medical Emergencies only.";
var phys_therapy_info = "This benefit is payable, up to the Plan Maximum when, as the result of a Covered Injury or Sickness, a Doctor certifies that a Covered Person requires Physical Therapy.";
var hospice_info = "This benefit is payable, up to the Plan Maximum, when a Doctor certifies that as the result of a Covered Injury or Sickness, the Covered Persons life expectancy is not more than 6 months.
Benefit includes services and supplies for up to the maximum number of days per Covered Person per Policy Year.";
var hospice_info_ny = "This benefit is payable for services and supplies provided by Hospice, up to the Daily Benefit max, when a Doctor certifies that as a result of a Covered Injury or Sickness, the Covered Persons life expectancy is not more than 6 months.";
var prescription_info = "The benefit amounts are payable for medically necessary covered charges incurred by an insured person for the purchases of outpatient prescription drugs from a contracted participating pharmacy. Any co-payment must be paid for each prescription drug filled or authorized.";
var acc_med_dental_info = "If you are injured in a covered accident and receive treatment from a physician with 365 days from the date of the accident, the insurance company will pay up to the amount shown from actual expenses related to: hospital room and board (up to the semi-private room rate), general nursing care, hospital miscellaneous expenses during a hospital confinement or for outpatient surgery under general anethetic, laboratory tests, x-rays, anesthesia, prescription drugs, therapeutic services and supplies, hospital emergency care; doctors visits (inpatient and outpatient), dental treatment for injury to sound natural teeth. Subject to a $100 deductible per accident per Covered Person. Spouse and dependent covered at the amount shown as well. This benefit will only apply after any valid and collectable insurance for the same claim has been exhausted.";
var acc_death_dismember_info = "If you are injured in a covered accident and the injury from such accident causes death or dismemberment within 365 days from the date of the accident, the insurance company will pay the amount shown. If you sustain more than one such loss as the result of one Accident, the insurance company will pay only one amount, the largest to which you are entitled. Spouse and dependents are covered at the same amount shown.";
var term_life_ins_info = "Guaranteed Issue Term Life Insurance requires no medical exam or tests. The benefit amount shown is paid to your beneficiary or beneficiaries in the event of your death. Benefit payment is subject to the definitions, limitations, exclusions and other provisions within the Certificate. Spouse benefit is 50% of benefit amount shown and dependent benefit is 20% of benefit amount shown. Dependent child(ren) must be at least 15 days or older to become eligible for coverage.";
var home_health_care_info = "This benefit is payable up to 40 home care visits for each Covered Person. Each visit by a member of a Home Health Care team shall be considered as one Home Health Care visit. Four hours of home health aide service shall be considered as one home care visit.";
var home_health_care_info_ny = "This benefit is payable, up to the plan max, for the home care charges for the care and treatment of a covered person who is under the care of a doctor but only if hospitalization or confinement in a nursing facility would otherwise have been required if Home Care was not provided.";
var men_ner_emo_info = "This benefit is payable for the Usual and Customary Charges incurred for the diagnosis and treatmentof mental, nervous or emotional disorders. Out-Patient must follow In-Patient Treatment. This benefit will be paid on the same basis as any other Accident or Sickness under the policy. It will be subject to the same copay and maximums.";
var chiro_info = "This benefit is payable, up to the plan max, for a covered person's covered charges for non-surgical treatment to remove nerve interference and its effects, which is caused by or related to body distortion.";
var cancer_sec_opinion_info = "This benefit is payable, up to the plan max, for second medical opinion by an appropriate specialist, including but not limited to a specialist affiliated with a specialty care center, in the event of a positive or negative diagnosis of cancer or a recurrence of cancer or a recommendation of a course or treatment for cancer.";
var diabetes_treatment_info = "This benefit is payable, up to the plan max, for covered equipment and supplies for the management and treatment of insulin-using diabetes, non-insulin-using diabetes, and gestational diabetes. List of covered equipment and supplies available upon request.";
var end_of_life_care_info = "This benefit is payable, up to the plan max, if diagnosed with Advanced Cancer, covered services include services provided by a facility or program specializing in the treatment of terminally ill patients if the covered person\'s attending doctor, in consultation with the medical facilty determines care would appropriately be provided by such a facility or program. Advanced Cancer means that there is no hope of reversal and Covered Person has fewer than 60 days to live.";
var bio_men_emo_info = "Benefit are payable, up to plan maximums, for in-patient or out-patient treatment.";
var breast_recon_info = "This benefit is payable, up to the plan max, for inpatient hospital care for a Covered Person undergoing a lumpectomy or a lymph node dissection, a mastectomy, all stages of reconstruction of the breast on which the mastectomy has been performed, and surgery and reconstruction of the other breast to produce symmetry.";
var pros_can_info = "This benefit is payable, up to the plan max, for the screening and diagnosis of prostate cancer, including, but not limited to, prostate-specific antigen testing and digital rectal examination, consistent with current medical practice.";
var bone_dens_info = "This benefit is payable, up to the plan max, for the prevention, diagnosis, and treatment of osteoporosis when requested by a health care provider for a qualified individual.";
var cyto_screen_info = "This benefit is payable, up to the plan max, on the same basis as any other sickness for an annual cervical smear or Pap smear test for female covered persons eighteen and older.";
var mammo_info = "This benefit is payable, up to the plan max, for (a) one Mammogram at any age for a covered person who has a prior history of breast cancer or who has a first degree relative with a prior history of breast cancer, upon recommendation of a Doctor; (b) one baseline Mammogram for a covered person age thirty-five through thirty-nine; and (c) one Mammogram annually for a covered person age forty years or older.";
var USFIC_text = "
This benefit is underwritten by the United States Fire Insurance Company.The 12/12 Pre-Existing Condition only applies to Hospital, Surgery and Anesthesia. Benefit limits are provided on an \"up to\" basis.Benefits not available for residents of AK, CT, KS, MA, MD, NJ and VT. NY has separate Rates and Benefits.";
var nyUSFIC_text = "
This benefit is underwritten by the United States Fire Insurance Company.The 12 month Pre-Existing Condition Limitations only apply to Hospital, Surgery and Anesthesia Benefits. Benefit limits are provided on an \"up to\" basis. 30 Day waiting period for sickness.Available for NY residents only.";
var USFIC_Rx_text = "
This benefit is underwritten by the United States Fire Insurance Company. Benefits not available for residents of AK, CA, CO, ME, MD, MN, MT, NH, NY, OK, VT and WA.";
var GTLIC_text = "
This benefit is underwritten by Guarantee Trust Life Insurance Company.Benefit payment is subject to the definitions, limitations, exclusions and other provisions within the Certificate.Plans are not available to residents of AR, ME, NY and OR.";
var HLIC_text = "
This benefit is underwritten by Hartford Life Insurance Company.";
var nyHLIC_text = "
This benefit is underwritten by Hartford Life and Accident Insurance Company.";
var phys_hosp_lab_text = "Beech Street Physician Network
Enjoy specially contracted and negotiated rates with savings of 5% to 40% at participating providers. You are assured the best service by working directly with one of our Customer Care Consultants who are dedicated to help you maximize your savings.Beech Street Hospital Network
As a member, you may save 5% to 40% off incurred hospital bills*. Your Customer Care Consultant will answer any questions you may have about how to utilize the Beech Street Hospital Network.Lab Visits
Members receive rates which offer savings averaging at least 20% on virtually all laboratory services including blood-work and lab screenings at any participating lab facility.* Pricing and savings vary from one location and provider to another and are not guaranteed.NOTE: Network providers may NOT be available in certain areas.";
var tiered_dental_text = "A multi-tiered dental fee-for-service program, where you have access to dentists under THREE distinct scenarios.
Tier 1) At select participating schedule (A) Tier 1 general practitioners across the country, you will receive a no charge exam and x-rays in conjunction with a paid annual cleaning. Participating providers abide by a fee schedule of fixed payments for most procedures. Fixed schedule procedure rate savings are 25% - 60% on dental care, as compared to the American Dental Association surveys of usual and customary fees.
Tier 2) In the event a schedule (A) Tier 1 provider is not available in a given area, a secondary schedule participating dentist may be available at some of the lowest rates of any national dental network.
Tier 3) In the event a Tier 1 or Tier 2 dentist is not available in your area, please call a Customer Care Consultant for assistance in accessing a Tier 3 provider where available.Sample Savings at Tier 1, Schedule (A) Participating dentists: (Not available in all areas)
| Description | Your Cost | ADA Mean* | Savings |
| Exam | No Charge** | $76 | $76 |
| Full X-rays | No Charge** | $125 | $125 |
| Total (adult) check-up | $55 | $290 | $235 |
| Total (child) check-up | $38 | $268 | $230 |
| Couple savings on one check-up (2 adult) | $110 | $580 | $470 |
| Family savings on one check-up (2 adult, 2 child) | $186 | $1,116 | $930 |
NOTE: Tier 1 dentists provide the greatest savings in the dental provider network. Complete schedule can be accessed by calling 800-292-3797. Prices on schedule are subject to change without notice. *Source: American Dental Association, Survey Center, 2005 Survey of Dental Fees. Contact a Customer Care Consultant for a sample fee schedule. **In conjunction with annual check-up prophylaxis (cleaning) provided by participating selected general practitioners of Tier 1.";
var tiered_chiro_text = "Tier 1) As a member save 20% to 50% at Participating Providers on adjustments, therapy, x-rays, exams and specialized procedures when visiting one of our participating providers.
Tier 2) Save 5% to 20% at our large network of participating providers. In the event a Tier 1 chiropractor is not available in your area, a secondary schedule participating provider will be presented to you.NOTE: Network providers may not be available in certain areas.";
var tiered_Rx_text = "This program is accepted at over 50,000 participating pharmacies nationwide, including all the leading national chains! Simply visit a participating pharmacy, present your membership card and pay the pharmacy directly. Members have the potential to save thousands of dollars annually on the member’s prescription charges.
Tier 1) Drugs at up to a $10.00 maximum cost.*
Tier 2) Drugs at up to a $20.00 maximum cost.*
Tier 3) All other Drugs are available for your benefit at negotiated rates. Your program also provides additional options to lower your cost on Tier 3 drugs through an independent mail order service or free drug program.** Call your Customer Care Consultant for more information.*Drugs are subject to be added or deleted without notice. A nominal handling fee may apply.
**Optional usage through an independent mail order service.
NOTE: NOT available in TN.";
var tiered_vision_text = "At select participating vision outlets, a no-charge* eye glass vision exam is available once annually per family. You also receive contracted rates of 10% to 50% on eyeglasses, non-prescription sunglasses, eye exams and contact lenses (excluding disposables) at participating independent and retail optical locations nationwide. Most frames, lenses, and specialty items are available.Ophthalmology & LASIK Features) Save 20% to 60% on medical eye exams and surgical procedures including LASIK at participating ophthalmology locations.*Prescription must be filled by the provider performing the no-charge exam if glasses are required.
NOTE: Network providers may NOT be available in certain areas.";
var nurseline_text = "Unlimited, Toll-Free, 24/7 Access to Registered Nurses For You and Your Family completely confidential. Audio Health Library is an available service that can help you become more knowledgeable about healthcare services and more comfortable working in partnership with your healthcare providers. If you want to listen to any library message just inform the nurse of the topic you are interested in. You will receive information regarding: the treatment of common illnesses, what to expect during medical testing, diagnostic and surgical procedures, recently diagnosed medical conditions, and prescriptions and over-the-counter medication information. Very Important: In life threatening emergencies, the member should always call 911.";
var member_assist_text = "Toll-free, confidential access to a masters level therapist for telephone counseling 24 hours a day, 365 days a year. Free support and self-help group referrals. Referrals to a local licensed therapist for face-face counseling at a specially discounted membership rate.";
var fitness_text = "Enjoy 10%-50% off Membership Dues at Over 1,500 Locations Nationwide! Month to month memberships at top area fitness centers* The Fitness Program includes many franchises of Gold’s Gym, Bally’s Fitness, Curves for Women and other chains as well as independent fitness clubs.* $10 administrative fee may apply upon cancellation";
var e_wellness_text = "MyEWellness provides you with your own comprehensive exercise program that aims to help you achieve your personal goals regardless of your age or gender, your access to equipment or your level of experience. As a member, you will receive daily wellness articles, individual home fitness programs, assessment calculators, disease prevention studies, health tips, guidance on nutrition, weight loss and exercise as well as additional links to other professional sites and a member forum. The goal of myewellness.com is to help improve your total quality of life.";
var holistic_text = "The Holistic Care Service provides a concierge approach to finding a Holistic Care provider that will meet your specific need(s). The integration of alternative medicine into conventional western medicine is quickly revolutionizing the landscape of the American healthcare system. A Customer Care Consultant will take your request for a particular discipline and call you back with the nearest location. 20% Savings On All Treatments and Services & No Limits On The Number of Visits. Practitioner Disciplines Include: Acupuncturists, Massage Therapists, Dieticians, and Naturopathic Providers.NOTE: Network providers may NOT be available in certain areas";
var diabetic_supplies_text = "10% to 60% Saving on Diabetic Supplies. A convenient service for members with diabetes. This program provides special member pricing on most diabetic supplies. These items include: test strips, glucose meters, lancing devices and lancets, and convenient free home delivery!PLAN 1
Testing 1 time per day
$31.49/month | PLAN 3
Testing 3 times per day
$73.49/month | PLAN 5
Testing 5 times per day
$104.49/month | PLAN 7
Testing 7 times per day
$136.49/month |
PLAN 2
Testing 2 times per day
$52.49/month | PLAN 4
Testing 4 times per day
$94.49/month | PLAN 6
Testing 6 times per day
$115.49/month | PLAN 8
Testing 8 times per day
$157.49/month |
";
var hearing_text = "Beltone Features- Free hearing screening and 15% discount on Beltone hearing aids at more than 1,300 Beltone locations.
- Lifetime care program includes complimentary hearing aid checkup, free hearing screening, free cleaning and inspection while under warranty, and a 30 day refund policy.
- Patients under the age of 18 must provide a physician\'s authorization to receive tests or treatment. Some locations are not equipped to handle small children.
| HearPO Features- 20% to 50% off audiology and hearing aid services at more than 1,400 participating HearPO providers.
- Comprehensive follow up for one year at no charge. 100% discount on repairs and a 60 day refund policy.
- Your hearing aid comes with a 12 month standard manufacturer\'s warranty. Modifications will be made without cost during warranty should a change within hearing levels require different circuitry.
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";
var elder_care_text = "Call toll-free 24/7 for advice about your loved ones. Save on home health and long term care services, available for any member of your family including grandparents.Features:- Save from 10% to 25% on home health aides, nursing homes, assisted living facilities, Alzheimer’s special care units, and respite care facilities.*
- Save on geriatric care management services such as telephone check-in, elder assessments, and care plans. Geriatric care managers are professionals who are expert at advising families and coordinating care for the elderly.
| Geriatric Care Management Services | Member Fee | Non-Member Fee** | Savings*** |
| Telephone Check-In (4 calls per month) | $50/month | $70/month | $20/month |
| Elder Assessment (phone) | $85 | $100 | $15 |
| Elder Assessment (in person) and Care Plan | $405 | $525 | $120 |
| Home Health Aid | Member Fee | Non-Member Fee** | Savings*** |
| 10 days | $750 | $1,000 | $250 |
| 30 days | $2,250 | $3,000 | $750 |
| 45 days | $3,375 | $4,500 | $1,125 |
*Savings available for new patients only. **Based on $100/day for four hours per day. Fees may vary depending on area ***This is a sample comparison and may not be representative of all situations. Savings will vary depending on location, availability, timing, and negotiated discounts.";
var roadside_assist_text = "24 Hour Toll-free Emergency Roadside Dispatch Assistance. Members call and provide their membership number. Customer Service will contact the best priced Service Provider and dispatch that provider to the member’s location. The customer may pay for the Service Provider directly for all expenses incurred at the time of the disablement.";
var auto_maint_text = "10% off lifetime brake service at Precision Tune Auto Care.10% discount on automotive services at Meineke. 5% discount on tires and batteries at Meineke. 10% off retail repair or service (maximum $50) at over 750 Aamco locations. Special discounts on tires, batteries and services at Pep Boys, Jiffy Lube, Maaco, and Tire Kingdom.";
var tax_hotline_text = "This valuable service gives you unlimited phone calls and prompt, qualified advice on your tax issues, all year long. Our toll-free number directly connects you to tax experts. There’s never a charge for phone calls to our experienced staff of CPAs, enrolled agents, former auditors and tax specialists. Plus all of your financial dealings are kept strictly confidential.";
var legal_basic_text = "Provides five (5) initial telephone consultations per year, 1 per legal matter. Provides one 1/2 hour office consultation (1 per legal matter), unlimited online consultations (where available) with a local attorney.";
var id_theft_text = "Provides resolution services and connects you with a professional customer service representative in the event of an identity theft occurrence. ID Theft Prevention provides members with helpful tips to deter identity theft.";
var med_records_text = "The FamilyKeys RecordKeeping Software organizes your family health, financial and personal possessions in a straight forward way. Save time when changing doctors by printing medical history with a mouse click.";
var mtg_realtor_text = "Members and relatives can save up to $5,100 on the sale, purchase and financing of a home (based on a property value and financing of $300,000*). This program provides a 25% realtor commission discount as well as an average credit of $300 per $100,000 in loan OR refinancing amount up to a maximum mortgage credit at closing of $1200.*$5,100 savings based on the sale and purchase of a $300,000 home using an IMPO realtor as both the listing agent and buying agent creating a $4200 commission credit. An additional $900 in mortgage closing credits would also be provided for a $300,000 loan amount.";
var financial_plan_text = "Members are entitled to an initial consultation with planners at no charge. Members also receive discounts on financial plan preparation. Annual updates provided at no charge. Fee based or commission planning options available. Members can obtain advice on retirement planning, college funding and 401K’s. Advice on taxes and related investment vehicles.";
var edoc_text = "Provides online access to medical services, making it much more convenient to get the information members need to take better care of themselves. E-Doc services can enable the member to provide better self care, to lead to a healthier life, and to visit their physician only when necessary.";
var consumer_discount_text = "Take advantage of exclusive savings on products and services designed to meet your family’s everyday needs! Car Rental Discounts, Hotel Discounts, Floral Discounts, Tradesman Referral, Moving and Storage Discounts, Amusement Park Discounts, Movie Ticket Discounts and Magazine Subscription Services.";