Benefits are paid directly to you*                                        Use any doctor, hospital or licensed provider
 
No deductible or co-pays                                                    Preexisting conditions incurred within the 12 month period
                                                                                           preceding the effective date are covered after 12 months**
Pays benefits in addition to any other insurance                     
                                                                                           Your rates cannot increase due to your advanced age or
Issue ages 18-64                                                               declining health***
 
Dependent child coverage available to age                        Guaranteed renewable to age 65
19 or 25 if a full time student****
 
 
* The benefits may be paid directly to the hospital or other healthcare facility if an assignment of benefits is made by the policyholder.
 
** Pre-existing conditions are those medical conditions disclosed or not disclosed on the application which were diagnosed or for which medical advice or treatment was recommended or received from a doctor within a 12- month period immediately preceding the effective date of your coverage.  Any loss due to a pre-existing condition is not covered unless the loss begins more than 12 months* after the effective date of coverage.  *The pre-existing condition waiting period is 6 months in idaho, North Dakota and Oregon.
 
Wyoming applicants only- your pre-existing conditions limitation reads:
The policy will not cover loss resulting from pre-existing conditions during the 1st year that your policy is in force.  A "pre-existing condition" is any sickness or injury diagnosed for which you received medical advice and or treatment was received from or recommended by a physician within the 90 day period immediately before the effective date of your coverage, or the effective date of an increase in coverage, whichever is applicable.
 
*** The insurer has the right to increase premium rates of all like policies in your state. AHP members monthly rate will not go up for 5 years!
 
**** Instead of age 19 the following states have higher limits: Indiana age 24, New Mexico age 25, North Dakota age 22 and Utah age 26.
 
***** Hospital confinement must be medically necessary because of injury or sickness.  Our definition of hospital excludes (a) a convalescent home, convalescent, rest or nursing facility; or, (b) a facility or portion thereof used primarily for the care of the aged, the terminally ill,drug or alcoholic rehabilitation, or primary affording custodial, long-term nursing, convalescent or educational care.
 
Please Note this policy contains a 10- day right to examine coverage:
You may cancel coverage under this policy or certificate within 10 days of receiving it by returning the policy or certificate to Us. If it is returned for cancellation, we will refund any premium paid for your coverage. The policy or certificate will then be void as of the effective date and there will be no coverage. The states of New Hampshire and Oklahoma have a 30 day right to examine coverage.