Misstatement of Tobacco Use. The Insurer uses a more favorable basis to calculate premiums and monthly charges for non-tobacco users. If the Insured Person falsely answers questions related to his tobacco use in any application for this coverage (including any application to reinstate), the policy will be considered void from inception. The term “
Misstatement of Tobacco Use. The answer to the tobacco question on the application is material to our correct underwriting. If a member's use of tobacco has been misstated on the member's application for coverage under this contract, we have the right to rerate the contract back to the original effective date. Billing/Administrative Fees Upon prior written notice, we may impose an administrative fee for credit card payments. This does not obligate us to accept credit card payments. We will charge a $20 fee for any check or automatic payment deduction that is returned unpaid. Cost Sharing Features COST SHARING FEATURES We will pay benefits for covered services as described in the Schedule of Benefits and the Major Medical Expense Benefits section of this contract. Benefits we pay will be subject to all conditions, limitations, and cost sharing features of this contract. Cost sharing means that you participate or share in the cost of your healthcare services by paying deductible amounts, copayments and coinsurance for some covered services. For example, you may need to pay a copayment or coinsurance amount when you visit your physician or are admitted into the hospital. The copayment or coinsurance required for each type of service as well as your deductible is listed in your Schedule of Benefits.
Misstatement of Tobacco Use. The answer to the tobacco question on the application is material to our correct underwriting. If a member's use of tobacco has been misstated on the member's application for coverage under this contract, we have the right to rerate the contract back to the original effective date. Billing/Administrative Fees Upon prior written notice, we may impose an administrative fee for credit card payments. This does not obligate us to accept credit card payments. We will charge a $20 fee for any check or automatic payment deduction that is returned unpaid. Deductible MAJOR MEDICAL EXPENSE BENEFITS The deductible amount means the amount of covered service expenses that must be paid by each/all members before any benefits are provided or payable. The deductible amount does not include any copayment amount. Cost Sharing Percentage We will pay the applicable cost sharing percentage in excess of the applicable deductible amount(s) and copayment amount(s) for a service or supply that:
Misstatement of Tobacco Use. The answer to the tobacco question on the application is material to our correct underwriting. If a member's use of tobacco has been misstated on the member's application for coverage under this contract, we have the right to rerate the contract back to the original effective date. Cost Sharing Features COST SHARING FEATURES We will pay benefits for covered services as described in the Schedule of Benefits and the Major Medical Expense Benefits section of this contract. Benefits we pay will be subject to all conditions, limitations, and cost sharing features of this contract. Cost sharing means that you participate or share in the cost of your healthcare services by paying deductible amounts, copayments and coinsurance for some covered services. For example, you may need to pay a copayment or coinsurance amount when you visit your provider or are admitted into the hospital. The copayment or coinsurance required for each type of service as well as your deductible is listed in your Schedule of Benefits.
