MCA Benefits Program

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Don’t Let Standard “Caps” and “Benefit Limits" Jeopardize Savings & Retirement Funds

With today’s sky-rocketing hospital costs, many doctors order follow-up care at home after a hospital stay. Unfortunately, that same care is frequently NOT covered by medical insurance.

That’s because many plans consider home health care as an “out-of-network” expense. So medical plans frequently impose caps on the amount of money they’ll pay for home health care expenses. Others strictly limit the number of covered home health care sessions.

The resulting bills – PAID OUT OF YOUR POCKET – can quickly add up to thousands of dollars.

That’s why MCA negotiated your RecoverPLUS Cash Benefit Plan … giving you an extra stream of cash benefits starting the instant you’re admitted to the hospital.

You Cannot Be Turned Down
As an MCA Member in good standing, you are guaranteed acceptance for these much-needed cash benefits as long as you’re under age 100, live in the United States and have primary health care coverage.

You don’t need to complete a long, complicated form to prove you “qualify.” There are no health questions involved. No medical exam required.

Plus, your spouse is guaranteed acceptance as well.

Policy Form # SRP-1151-A(HLA)(5203)

Here’s How MCA’s RecoverPLUS Helps You Fill the Gaps in Today’s Medical Insurance

In a nutshell, RecoverPLUS helps you avoid dipping into your savings or raiding your retirement account while you recover at home. How? With a crucial safety net of TRIPLE cash benefit payments. You’ll collect:

Guaranteed cash benefits (up to $1,000.00) for every hospital stay PLUS home health care cash benefits (up to $4,000.00) to help you pay for the actual cost of any home recovery care your doctor orders and to take care of bills piling up while recovering at home.

RecoverPLUS steps up with a $300.00 hospital stay cash benefits PLUS another $350.00 after your 15th day in the hospital. After 31 days in the hospital, you’ll collect $350 more.

Daily Benefit Amount: $100 per day for Recovery Services up to 20 days.
Payment under this benefits will be limited to:

with respect to Covered Persons ages 65-79: 2 twenty-day Benefit Periods per Accrual Year, with an aggregate maximum of $4,000 or 40 days;
with respect to Covered Persons age 80 or over: 1 twenty day Benefit Period per Accrual Year, with an aggregate maximum of $2,000 or 20 days.

That’s up to $1,000.00 in cash benefits – paid directly to you while you recover at home from a covered hospital stay.

Plus, RecoverPLUS adds valuable benefits for care you receive at home AFTER your hospital stay. You can collect $100.00 a day for up to 20 home care visits from a nurse, physical therapist, home health aide or even a homemaker service. That’s up to $2,000.00 after you leave the hospital. And you can collect these extra home care benefits twice a year – for a total of $4,000.00 in home recovery benefits.

Basically, RecoverPLUS cash benefits give you the power to recuperate in the peace of your own home. To maintain your independence – instead of relying on your children or grandchildren to take care of you.

Policy Form # SRP-1151-A(HLA)(5203)

Exclusive Group Rates Negotiated for MCA Members

As you’d expect from any program offered through MCA, the benefits of your RecoverPLUS Cash Plan were thoroughly researched and compared to other available benefit programs on the market to ensure that RecoverPLUS Cash Benefits were among the most generous entitlements available at affordable group rates. See for yourself:

Affordable Monthly Rates:

Age	Member Only	Member & Spouse
65-69	$26.25	$52.50
70-74	$36.75	$73.50
75-79	$52.50	$105.00
80-84	$52.50	$105.00
85 & Over	$63.00	$126.00

For your convenience, you’ll be billed monthly via the payment method used when you enroll. You cannot be singled out for a rate increase. Your rates will not be increased or decreased unless they are increased or decreased for everyone in your classification or age group. Rates are based on your attained age and increase as you enter a new age category.

Coverage will become effective on the first day of the month following receipt of application and first premium payment. At age 80, Home Recovery Care Benefits reduce to one benefit period per year up to 20 days. The Hospital Benefit remains unlimited.

I’ve had health issues in the past. Can I still sign up for the MCA RecoverPLUS Plan?

Yes. You can’t be turned down as an MCA Member under age 100. You don’t need to fill out a long form to “prove” you qualify. Simply sign up using the convenient online enrollment form included on this website.

Is home health care really so expensive that I need extra coverage?

Your share of any home health care bill can add up very quickly. That’s because many medical plans consider home health care to be an “out of network” expense. (Meaning big bills for you.) Other health insurance plans strictly limit the number of visits they’ll cover or impose caps on the amount of coverage available for this type of care. That’s why it’s important to set up an additional line of defense with coverage like RecoverPLUS.

What if I develop a serious medical condition? How does RecoverPLUS work with my regular health insurance?

RecoverPLUS steps forward with valuable benefits paid in addition to any coverage you have through your traditional medical plan. Plus, your RecoverPLUS benefits get bigger when you’re in the hospital for longer periods of time. That can be a lifesaver when serious illnesses like cancer, heart disease or diabetes strike.

To help keep costs as affordable as possible, RecoverPLUS cannot cover any injury or sickness (diagnosed or undiagnosed) for which medical care is received by a covered person within the 12-month period before your coverage begins unless you have been free of medical care for that treatment for 12 months ending on or after the date your protection begins. After you’ve been enrolled in the program for 12 months, all new or previous health conditions will be covered. In addition, the plan does not cover intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri or Colorado); or loss caused or contributed to by war or act of war, whether declared or not.

NOTE: This information explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Endorsed by:

Underwritten by:	Hartford Life and Accident Insurance Company Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

John B. Wigle, License No. 0482924

MCA Insurance Program Administered by:
A.G.I.A., Inc.
P.O. Box 21357, Santa Barbara, CA 93121-9911
Questions? Call toll-free 1-866-340-4360

Policy Form # SRP-1151-A(HLA)(5203)

NO RISK WITH 30-DAY FREE LOOK

You don’t risk a penny when you sign up for MCA’s RecoverPLUS today. That’s because you’re fully backed by our 100% Satisfaction Guarantee.

As soon as you sign up, we’ll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive MCA benefit program. Take up to 30 days to look it over. If it wasn’t what you had in mind, mail back the Certificate for a 100% refund.

NO RESTRICTIONS ON THE USE OF THIS MONEY

Your RecoverPLUS cash benefits will be sent directly to you – not to a doctor, hospital or home health care provider. There are no strings attached.

In addition, you CANNOT be turned down for this important program that helps you maintain your independence and stay in control of your health care choices. Your MCA RecoverPLUS benefits start on the first of the month after the plan Administrator receives your Confirmation Form and first premium payment. Of course, all new health conditions will be covered immediately. Any illnesses or injuries that you received medical care for during the past twelve months will be covered as soon as you go twelve months without treatment or are in the plan for twelve months – whichever comes first.

Once you’re enrolled in RecoverPLUS, you’ll receive full cash benefit checks for the amount owed to you whenever you’re in the hospital and need home health care. Your cash benefits will continue – no matter what your age or health – as long as you remain a member of MCA, pay your premiums on time, and the Master Policy remains in force. Dependent child coverage continues as long as yours does or until he/she is no longer eligible for coverage.

Policy Form # SRP-1151-A(HLA)(5203)

Short Term Care

Cancer Care

Hospital Income Plan

Activate Your MCA RecoverPLUS Benefits Now

NO RISK WITH 30-DAY FREE LOOK You don’t risk a penny today because you’re fully backed by our 100% Satisfaction Guarantee.

Your official Certificate of Insurance outlines the full terms and conditions of MCA’s RecoverPLUS Program. Take up to 30 days to look it over. If it’s not what you had in mind, mail back the Certificate for a 100% refund, less any claims paid.