A Hospital-Surgical-Medical-Expense
Insurance Plan* with Preferred Provider
Benefits Offering You Freedom of
Personal Choice.

Your Association's Commitment

Your Association has long recognized the need for
affordable, no-nonsense insurance coverage for its
members and is committed to making quality insurance
coverage available to. you. As part of that commitment, the
Association provides access to insurance coverage through
Mid-West National Life Insurance Company of Tennessee
(Mid-West). Your Association looks out for you by requiring the
insurance carrier to provide:

• Quality Insurance Options
• A Dedicated Field Force to explain the coverage
   face-to-face with members
• Top-Notch Customer Service

Coverage through means:

has contracted with some of the largest provider networks
in the country, giving you the power of personal choice.

When you use a PPO Provider you can experience greater benefits. Through our
Negotiated provider arrangements, you may be able to reduce your out-of-pocket
expenses. If you choose a non-PPO provider, benefits will be paid at the out-of-network covered percentages.

A list of participating PPO providers is available to you at any time and notification of any change in the list will be provided upon request. The Provider Network has been selected for its ability to coordinate and deliver quality health care. Most network physicians also admit their patients to participating hospitals which allows you to receive quality health care while minimizing your out-of-pocket expenses. And with PPO plans, no referrals or primary care physicians are required.

*PLAN TYPE MAY VARY BY STATE. IN KS AND LA, THIS PLAN IS CONSIDERED A LIMITED HOSPITAL-SURGICAL-MEDICAL-EXPENSE INSURANCE POLICY WITH PREFERRED PROVIDER BENEFITS. IN TX THIS PLAN IS CONSIDERED A MAJOR MEDICAL PPO POLICY WITH PREFERRED PROVIDER BENEFITS.

Your benefits may be reduced on PPO plans if you use an out-of-network provider. Optional benefits require additional premuim and availability varies by state.

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