Benefits	ComboPlus Starter	ComboPlus Basic	ComboPlus Enhanced	Association Gold
Prescription Drug	Generic	Generic	Brand Name, Includes birth control	Brand Name
	Dispensing fee cap of $6.50			Birth Control Covered
	70% on $720 ($504)	70% on 1st $750, 90% on next $4,972 ($5,000)	90% on first $2,222, 100% on next $8,000 ($10,000)	80% on first $500, 100% on next $4,000
Dental - Basic Coverage	-70% on $575 ($400)	-80% on first $300, 50% on next $850 ($665)	-Exams, Scaling, Diag. at 100% on first $500,	-80% co-payment
			all other basic services at 90% on first $500,	-Year 1: $500, Year 2: $750, Year 3 & 4: $1000
		-No waiting period	then both at 60% on next $700 ($920 or $870)	Year 5: $1250
			-No waiting period
-Periodontics and	-No coverage	-No coverage	-1st and 2nd year at 60% to max of $1,250	-Covered under above Basic Services
Endodontics			every 3 years ($400 first year max)
-Crowns, Bridges,	-No coverage	-No coverage	-1st and 2nd year at 0%, then 60% included	-Starting in year 3, 60% co-pay under the above
Orthodontics, Dentures			with perio and endo in 3 year maximum	same maximums
-Recall visits	-9 month recall	-9 month recall	-6 month recall	-6 month recall
Vision Care	No coverage	$250 per 2 benefit years	$250 per 2 benefit years	$250 per 2 benefit years
Eye Examinations	No coverage	$30 per 2 benefit years	$30 per 2 benefit years	$30 per 2 benefit years
Travel Coverage	Unlimited trips up to 9 days - $5,000,000	Unlimited trips up to 9 days - $5,000,000	Unlimited trips up to 9 days - $5,000,000	30 day trips, $1,000,000 coverage
Hospital Coverage	No coverage	Optional coverage	Optional Coverage	Semi-Private/Private, $200 per day unlimited
Chiropractors, Osteopaths,	$15 maximum per visit, 20 visits per year per	$20 maximum per visit, 20 visits per year per	$20 maximum per visit, 20 visits per year per	$600 combined, $35 per Chiropractic x-ray
Podiatrists, Naturopaths,	specialist and therapist	specialist and therapist	specialist and therapist
Massage Therapists,
Chiropodists, Acupuncturist
Speech Pathologists/Therapist	$60 first visit, $40 subsequent, 10 visit max	$65 first visit, $45 subsequent, 10 visit max	$65 first visit, $45 subsequent, 10 visit max	$60 first visit, $40 subsequent, 12 visit max
Psychologist	$75 first visit, $60 subsequent, 10 visit max	$80 first visit, $65 subsequent, 10 visit max	$80 first visit, $65 subsequent, 10 visit max	$75 first visit, $60 subsequent, 12 visit max
Physiotherapist	$250 maximum per anniversary year	$250 maximum per anniversary year	$250 maximum per anniversary year	Covered in above with other Specialists
Homecare and Nursing,	Year 1-$500, year 2-$800, year 3-$1000,	$3,000 per anniversary year, for each of these	$3,000 per anniversary year, for each of these	Combined max for all of these, $7,500 per year
Medical Equip & Appliances	year 4-$1200, year 5-$2500, per category	three categories of benefits separately	three categories of benefits separately
Ambulance Services	Unlimited + $4000 air ambulance	Unlimited + $4000 air ambulance	Unlimited + $4000 air ambulance	Unlimited + $4,000 air ambulance
AD & D	$25000 per adult, $10000 for senior and child	$25,000 per adult, $10,000 for senior and child	$25,000 per adult, $10,000 for senior and child	$50,000 per adult, $20,000 per child/senior
Accidental Dental	$2000 per anniversary year	$2,000 per anniversary year	$2,000 per anniversary year	$3,000 per anniversary year
Hearing Aids	$400 every 4 consecutive benefit years	$400 every 4 consecutive benefit years	$400 every 4 consecutive benefit years	$500 every 4 consecutive benefit years
Lifeline	3 months	3 months	3 months	6 months per 3 year period
Best Doctors		Covered	Covered	Covered
Survivor Benefit	In 2nd year, 1 yr coverage following death of sub	1 yr coverage following death of sub	1 yr coverage following death of sub	12 months