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Quantum offers two types of medical plans:
(1) Basic plus Supplementary Major Medical
(2) Comprehensive Major Medical.
The Basic plus Supplementary Major Medical offers the basic benefits section which has specific dollar and number of treatment limits per 90 day period of disability and the supplementary Major Medical benefits section which takes effect once you have satisfied a calendar year deductible. You are then reimbursed a percentage of the eligible medical expenses up to the maximum Major Medical Benefit limit.
The Comprehensive Major Medical plan provides complete and substantial medical expense coverage under one plan, which takes a deductible (a specified flat amount before any benefits are payable) and reimburses a percentage up to a specified dollar limit. The amount not reimbursed is called the co-insurance, which is a percentage of the eligible medical expenses in excess of the deductible.
The Quantum Plans can be easily customized and therefore offer more liberal benefits based on the clients’ healthcare need. Members also have the flexibility of choosing their personal Providers.
LifeCare Provisor & Quantum offer freedom and flexibility to cover all your needs.
- Convert to an individual policy if you leave the Group
- Receive lifetime coverage at reduced benefit
- Choose your own healthcare providers (local and international)
- Avoid on-the-spot, full payment for medical treatment- only co-payment
- Get assistance and advice from our 24/7 answering service
- Dramatically reduce out-of-pocket costs
- Waive deductibles for treatment within the network.
- Virtually eliminate claim forms for services received within the network
Key Benefits
- A choice of Major Medical Maximum Benefit
- Preventative Care
- Immunizations
- Maternity & Postnatal Care
- In-patient and Outpatient Services including Surgery
- Doctor and Specialist Visits
- Emergency Treatment
- Ground and Air Ambulance
- Medical Equipment and Prosthesis
- Laboratory Service
- Prescription Drugs
- Chemo/Radiation and Renal Dialysis Therapy
- Psychiatric Care, Substance Abuse and Mental Illness
- Private Nursing
- Dental & Vision Care
- Emergency Overseas Benefit
LifeCare Covers Everyone
- Employee/Employer
- Professional Associations
- Credit Unions
- Banks
- Finance Companies
- Wholesalers/Retailers
- Trade Unions
Insurable individuals are:
- Yourself
- Yourself and child or children
- Yourself and your spouse
- Yourself and your family (spouse and children)
Eligibility
For Group coverage a membership of at least three is necessary. The minimum age of acceptance is 18 years and the maximum is 64 years.
For Individual coverage the minimum age is 18 years and the maximum is 64 years.
Group Plans – Full time Employee
Dependents:
- Legally married spouse or Common Law Spouse.
- Children – up to attained age 19; and attained age 25 if attending full time School.
Newly acquired dependent (s) (Marriage/Birth) complete change of employee status/addition of dependent form(s) and submit.
