plan details for the Saver Advanced plan

888-635-0292

$56.95/mo Individual Enroll Now

$99.95/mo Family Enroll Now


Insurance Benefits Saver Advanced

Critical illness insurance

Pays a lump-sum if diagnosed with a specified critical illness, including life-threatening cancer, heart attack, kidney failure, stroke, organ transplant and more. A family plan covers a primary member, spouse and children.

$7,500

Accident medical expense

After the deductible has been met, benefit pays per person, per injury for covered medical expenses for injuries from a covered accident. A family plan covers the primary member, spouse and all dependents.

$7,500
($500 deductible)

Accident hospital indemnity

Benefits are available for up to 30 days for a medically necessary hospital confinement due to a covered accident. A family plan covers the primary member, spouse and all dependents.

$150 per day

Accidental death and dismemberment

Benefit pays lump-sum per person for injuries resulting in a loss within 365 days from the date of an accident. The amount paid will vary based on the nature of the loss. A family plan covers the primary member, spouse and all dependents. Available in Missouri, South Carolina and Texas only.

$5,000

Accident Disability Income

After a waiting period of 90 days, benefit pays per person, per month up to 12 months for disability due to an accident. All plans cover primary member only.

$1,000 per month
Non-Insurance Benefits Saver Advanced

Access to a Doctor 24/7

Save trips to urgent care, and cut your medical expenses with telephone or video consultations with U.S. board-certified doctors 24 hours a day, 7 days a week, for just $49 per consultation. Plus, HealthValues will reimburse you $20 once a year for using the service.
Included

Discount prescription drug savings

Members can text or email prescription drug discount deals straight to their phone or print a discount drug card to use at over 66,000 pharmacies nationwide. Save on name brand drugs and generic.
Included

Vision discount program

Offered at no cost to members, Clear Vision is a discount program that provides reduced rates on eye exams, lenses, frames and traditional eyewear options. Clear Vision is a discount program only and not an insurance plan.
Included

Roadside motor reimbursement

Members receive a reimbursement plan for any towing and emergency roadside services—to a maximum of $50 (limit of two per year). For farm-related vehicles, CA will reimburse up to $100 upon receipt of charges (limit once per year). A claim form must be submitted within 60 days of service for reimbursement.
Included

Important information about supplemental insurance benefits

Supplemental plan benefits – The insurance benefits listed above are coverages that are packaged together with membership in HealthValues. Exclusions and limitations apply. Review the plan details or certificates of insurance for full details. Memberships are not available in all states. Availability is subject to change.

Underwritten by Madison National Life Insurance Company, Inc. (MNL), a member of The IHC Group. For more information about MNL and The IHC Group, visit www.ihcgroup.com. This product is not considered to be Minimum Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). Each plan includes membership in Communicating for America (CA), which operates under the brand name HealthValues for the purposes of this membership.

This outline provides a very brief description of the important features of the packages, which include membership in Communicating for America (CA). It is not a certificate of insurance and only the actual certificates’ provisions will control. The certificates themselves set forth, in detail, the rights and obligations of both the certificate holder and the insurance company. Therefore, it is important that you READ THE CERTIFICATES CAREFULLY. For complete details, refer to the Group Critical Illness Certificate of Insurance (GAO-CI-C-1207), Group Accident Certificate of Insurance (GAO-ACC-C-1207) and the Group Term Life Insurance (GAO-TL-C-1207).

As of September 2019, plans are not available in the following states: AK, AZ, CA, CT, DC, HI, KS, MA, MD, ME, MI, MN, MT, NH, NJ, NM, NY, OR, PA, RI, SD, UT, VT, WA, WI

NEW EXCLUSIONS

The list of limitations and exclusions varies by state. Please see the Certificate of Insurance by state for the state-specific list.

Critical Illness Exclusions

The following are NOT covered under HealthValues. The plan does not provide any benefits for charges, treatment, services, or supplies for, or related to:

  • The insured person’s suicide or any attempt at suicide, while sane or insane, or intentionally self-inflicted injury or sickness or any attempt at intentionally self-inflicted injury or sickness
  • The insured person’s voluntary use of illegal drugs, the intentional taking of over-the-counter medication not in accordance with recommended dosage and warning instructions, and intentional misuse of prescription drugs
  • The insured person’s voluntary participation in any riot or civil insurrection or declared or undeclared war, or any act of declared or undeclared war
  • Any illness specifically excluded from the definition of any critical illness
  • The percentage of the benefit paid varies based on the illness diagnosed
  • Critical illnesses diagnosed in the first 30 days of coverage will have the lesser of a $500 benefit or 10 percent of the amount paid for the condition
  • Benefits are reduced by 50 percent when the member turns 65 and all benefits terminate at age 70

Pre-existing Conditions

A pre-existing condition means any illness or injury for which an insured person received any diagnosis, medical advice or treatment or had taken any prescription medicines during the 12 months (varies by state) immediately preceding the effective date of the insured person’s coverage under the Policy. Benefits are not payable in connection with a pre-existing condition during the initial 12 consecutive months the insured person has been enrolled for coverage, including any waiting period for coverage eligibility. A critical illness resulting from a pre-existing condition commencing thereafter will be covered unless otherwise excluded by the Policy.

Accident Benefit Exclusions

HealthValues does not provide benefits for treatment, services or supplies that are:

  • Not medically necessary
  • Not prescribed by a physician as necessary to treat an injury
  • Determined to be experimental/investigational in nature
  • Received without charge or legal obligation to pay
  • Received from persons employed or retained by the policyholder or any family member, unless otherwise specified; and not specifically listed as covered charges in this certificate
  • For a hernia of any type, regardless of cause or slipped femoral capital epiphysis or pathological fracture

Or that are received or rendered as a result of:

  • Injury by acts of war, whether declared or not
  • Injury which occurs while you are on active duty service in any armed forces, reserve or national guard or during active duty training when training extends beyond 31 days
  • Injury received while traveling or flying by air, except as a fare paying passenger on a regularly scheduled commercial airline
  • Injury sustained flying in an ultra light, hang gliding, parachuting or bungee-cord jumping, or by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere
  • Injury sustained participating in a rodeo
  • Injury sustained while participating in or practicing for any professional sports activity, unless specifically provided for
  • Injury sustained while committing or attempting to commit a crime
  • Attempted suicide or intentionally self-inflicted injury while sane or insane within the first two years of coverage
  • Voluntary use of illegal drugs, the intentional taking of over- the-counter medication not in accordance with recommended dosage and warning instructions, and intentional misuse of prescription drugs
  • Being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the injury occurs
  • Covered charges incurred outside of the United States, unless such covered charges are incurred while you are on a trip of no more than 90 days
  • A work-related injury covered under workers’ compensation, employers’ liability laws, or similar occupational benefits
  • A medical mishap or negligence, including malpractice

This product is not considered to be Minimal Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). Enrolling in and maintaining a Voluntary Insurance Protection plan will not exempt you from the Shared Responsibility Payment (tax) that may apply if you do not have a plan with ACA-compliant coverage. Certain Voluntary Insurance Protection plan selections are only available with an existing major medical ACA compliant plan. An attestation may be required indicating all family members applying for the Voluntary Insurance Protection plan have ACA coverage.

Critical illness insurance coverage

The following services are NOT covered under the HealthValues Benefits and are a partial listing of exclusions, for a complete list of limitations and exclusions; please see the certificate of coverage.

Charges, treatment, services, or supplies for, or related to: Selfinflicted injury or sickness; suicide or attempted suicide; while using drugs; while committing a crime; participation in any riot or war; illness specifically excluded from the definition of any Critical Illness.

Benefits for Critical Illness coverage are subject to the pre-existing condition limitation. A pre-existing condition is an illness or injury which an Insured Person had a diagnosis, medical advice or treatment or had taken any prescription medicines during the 12-month period immediately preceding the covered person’s coverage effective date.

Accident medical expense, hospital confinement, disability and death and dismemberment insurance coverage

The following services are NOT covered under the HealthValues Benefits and are a partial listing of exclusions, for a complete list of limitations and exclusions; please see the certificate of coverage.

Treatment: Not medically necessary; experimental/investigational; not prescribed by a Physician; received without charge; received from persons employed or retained by the Policyholder or any Family Member; or a hernia.

Injury received: As a result of war; active duty service; traveling or flying by air, except as a fare paying passenger; parachuting or bungi-cord jumping; rodeo participation; professional sport participation or practice; while committing a crime; suicide or intentionally self-inflicted; while using drugs; while being intoxicated; at work or due to a medical mishap.

About Madison National Life Insurance Company, Inc.

Madison National Life Insurance Company, Inc. was founded in 1961 and is domiciled in Wisconsin and licensed to sell insurance products in 49 states, the District of Columbia, Guam, American Samoa and the U.S. Virgin Islands. Its core products and services are group life and disability income and specialty health insurance. It is rated A- (Excellent) for financial strength by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

About Health Values

HealthValues the brand-name of group association membership in Communicating for America (CA). In order to qualify for this insurance, you must be a member of CA. Therefore, your application for this insurance is also an application for membership in CA. Your membership will remain in effect as long as you qualify under membership guidelines and pay membership dues. Please note that the membership benefits available through HealthValues are offered at the sole discretion of HealthValues and may vary by availability, vendor and state of residence.