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Š‡ƒŽ‹ˆ‘”�‹ƒ†—…ƒ–‹‘�‘†‡ǡ‡…–‹‘�•͵ʹʹʹͲƒ�†͵ʹʹʹͳǡ”‡“—‹”‡•–Šƒ–ƒ�›•–—†‡�–‘ˆƒ�› ̶†—…ƒ–‹‘�ƒŽ�•–‹–—–‹‘�̶™Š‘’”ƒ…–‹…‡•ˆ‘”‘”’ƒ”–‹…‹’ƒ–‡•‹�ƒ�›‹�–‡”‡•–•…Š‘‘Žƒ–ŠŽ‡–‹…‡˜‡�– ‹�•—”‡†ˆ‘”̈́ͳǡͷͲͲ‘ˆ‹�•—”ƒ�…‡…‘˜‡”‹�‰–Š‡�‡†‹…ƒŽ‡š’‡�•‡•‘ˆƒ……‹†‡�–ƒŽ‹�Œ—”‹‡•Ǥ Š‹•ƒ’’Ž‹‡•–‘ƒŽŽ•’‘”–•ƒ�†–‘ƒŽŽ’ƒ”–‹…‹’ƒ�–•‘ˆƒ�›ƒ‰‡Ǥ

Š‹•�ƒ�†ƒ–‘”›‹�•—”ƒ�…‡”‡“—‹”‡�‡�–‹•ƒŽ•‘‡š–‡�†‡†–‘•–—†‡�–•™Š‘ƒ……‘�’ƒ�›ƒ� ƒ–ŠŽ‡–‹…–‡ƒ�–‘ƒ�‡š–”ƒǦ�—”ƒŽƒ–ŠŽ‡–‹…‡˜‡�–ƒ�†™Š‹Ž‡’‡”ˆ‘”�‹�‰–Š‡‹”ˆ—�…–‹‘�ƒ•ƒ�‡�„‡” ‘ˆ–Š‡„ƒ�†ǡ•‘�‰Ž‡ƒ†‡”•ǡ›‡ŽŽŽ‡ƒ†‡”•ǡ‡–…Ǥ

‘�•‡“—‡�–Ž›ǡ•–—†‡�–•�—•–„‡‡š…Ž—†‡†ˆ”‘�–Š‡–‡ƒ�ƒ�†ˆ”‘�ƒ…–‹˜‹–‹‡•”‡Žƒ–‹˜‡–‘ƒ� ƒ–ŠŽ‡–‹…‡˜‡�–—�Ž‡••–Š‡›Šƒ˜‡‡‹–Š‡”’—”…Šƒ•‡†–Š‡•…Š‘‘Ž•”‡‰—Žƒ”Ž›‘ˆˆ‡”‡†’Žƒ�ǡ‘”–Š‡‹” ’ƒ”‡�–•…ƒ�ƒ••—”‡–Š‡‹•–”‹…––Šƒ–ƒ†‡“—ƒ–‡‹�•—”ƒ�…‡‹•‹�ˆ‘”…‡™Š‹…Š�‡‡–•–Š‡ ”‡“—‹”‡�‡�–•‘ˆ–Š‹•Žƒ™Ǥ

Governing Board

Sandra A. Bengel

Christopher Casado

Brian D. Heryford

Ginny L. Hovsepian

Richard Lake, C.P.A.

Elizabeth J. Sandoval

Jim Van Volkinburg, D.D.S.

Administration

Janet L. Young, Ed.D. Superintendent

Carlo Prandini, Ph.D. Deputy Superintendent

Norm Anderson Associate Superintendent

Barry Jager

Associate Superintendent

Michael Johnston Associate Superintendent

Ž‡ƒ•‡ˆ‹ŽŽ‘—––Š‡‘�Ž‹�‡ˆ‘”�•’‡…‹ˆ›‹�‰–Š‡‹�•—”ƒ�…‡–Šƒ–›‘—”…Š‹Ž†…—””‡�–Ž›‹•…‘˜‡”‡† „›Ǥ �”‘ŽŽ�‡�–‹�ˆ‘”�ƒ–‹‘�ˆ‘”•…Š‘‘Ž‹�•—”ƒ�…‡…ƒ�„‡ˆ‘—�†‘�–Š‡ƒ––ƒ…Š‡†Ž‡––‡”ǡ ˆˆ‘”†ƒ„Ž‡�•—”ƒ�…‡�ˆ‘”�ƒ–‹‘�ǡ‘”„›…‘�–ƒ…–‹�‰›‘—”…Š‹Ž†̵••…Š‘‘Ž‘ˆˆ‹…‡Ǥ

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1450 Herndon Avenue • Clovis, CA 93611-0599 559-327-9000 • www.cusd.com

 
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Ž×†‹‰‘†‡†—…ƒ…‹×�†‡ƒŽ‹ˆ‘”�‹ƒǡ‡……‹‘�‡•͵ʹʹʹͲ—͵ʹʹʹͳ”‡“—‹‡”‡“—‡…—ƒŽ“—‹‡” ‡•–—†‹ƒ�–‡†‡…—ƒŽ“—‹‡”ǲ�•–‹–—–‘†—…ƒ–‹˜‘ǳ“—‡’”ƒ…–‹…ƒƒˆƒ˜‘”‘’ƒ”–‹…‹’ƒ‡�…—ƒŽ“—‹‡” ‡˜‡�–‘†‡’‘”–‹˜‘‡•…‘Žƒ”•‡”ƒ•‡‰—”ƒ†‘’‘”̈́ͳǡͷͲͲ†‡•‡‰—”‘“—‡…—„”ƒŽ‘•‰ƒ•–‘• �±†‹…‘•†‡Š‡”‹†ƒ•ƒ……‹†‡�–ƒŽ‡•Ǥ •–‘•‡ƒ’Ž‹…ƒƒ–‘†‘•Ž‘•†‡’‘”–‡•›ƒ–‘†‘•Ž‘•’ƒ”–‹…‹’ƒ�–‡• †‡…—ƒŽ“—‹‡”‡†ƒ†Ǥ

•–‡”‡“—‹•‹–‘†‡•‡‰—”‘‘„Ž‹‰ƒ–‘”‹‘•‡‡š–‹‡�†‡–ƒ�„‹±�ƒŽ‘•‡•–—†‹ƒ�–‡•“—‡ƒ…‘�’ƒÓƒ�ƒ—� ‡“—‹’‘†‡’‘”–‹˜‘ƒ—�‡˜‡�–‘‡š–”ƒǦ�—”ƒŽƒ–Ž±–‹…‘›‡�‡Ž†‡•‡�’‡Ó‘†‡•—•ˆ—�…‹‘�‡•…‘�‘ �‹‡�„”‘†‡Žƒ„ƒ�†ƒǡŽ‘•ŽÀ†‡”‡•†‡Žƒ…ƒ�…‹×�ǡŽ‘•ŽÀ†‡”‡•†‡‰”‹–‘ǡ‡–…Ǥ

�…‘�•‡…—‡�…‹ƒǡŽ‘•‡•–—†‹ƒ�–‡•†‡„‡�•‡”‡š…Ž—‹†‘•†‡Ž‡“—‹’‘›†‡Žƒ•ƒ…–‹˜‹†ƒ†‡•”‡Žƒ–‹˜ƒ•ƒ —�‡˜‡�–‘†‡’‘”–‹˜‘ƒ�‡�‘•“—‡Šƒ�ƒ†“—‹”‹†‘‡Ž’Žƒ�‡•…‘Žƒ”“—‡•‡‘ˆ”‡…‡”‡‰—Žƒ”�‡�–‡ǡ‘ •—•’ƒ†”‡•’—‡†‡�ƒ•‡‰—”ƒ”‡Ž†‹•–”‹–‘“—‡•‡‰—”‘ƒ†‡…—ƒ†‘‡•–ž˜‹‰‡�–‡Ž‘…—ƒŽ…—�’Ž‡Ž‘• ”‡“—‹•‹–‘•†‡‡•–ƒŽ‡›Ǥ

Governing Board

Sandra A. Bengel

Christopher Casado

Brian D. Heryford

Ginny L. Hovsepian

Richard Lake, C.P.A.

Elizabeth J. Sandoval

Jim Van Volkinburg, D.D.S.

Administration

Janet L. Young, Ed.D. Superintendent

Carlo Prandini, Ph.D. Deputy Superintendent

Norm Anderson Associate Superintendent

Barry Jager

Associate Superintendent

Michael Johnston Associate Superintendent

‘”ˆƒ˜‘”…‘�’Ž‡–‡‡Žˆ‘”�—Žƒ”‹‘‡Ž‡…–”×�‹…‘“—‡‡•’‡…‹ˆ‹…ƒ‡Ž•‡‰—”‘„ƒŒ‘‡Ž…—ƒŽ•—�‹Ó‘ …‘””‹‡�–‡�‡�–‡‡•…—„‹‡”–‘Ǥ �ˆ‘”�ƒ…‹×�†‡‹�•…”‹’…‹×�’ƒ”ƒ‡Ž•‡‰—”‘‡•…‘Žƒ”•‡’—‡†‡ ‡�…‘�–”ƒ”‡�Žƒ…ƒ”–ƒƒ†Œ—�–ƒǡ‹�ˆ‘”�ƒ…‹×�†‡•‡‰—”‘ƒ•‡“—‹„Ž‡ǡ‘’‘�‹±�†‘•‡‡�…‘�–ƒ…–‘…‘� Žƒ‡•…—‡Žƒ†‡•—Š‹Œ‘ȋƒȌǤ

ƒ�‡–‘—�‰ǡ†ǤǤ—’‡”‹�–‡�†‡�–‡

1450 Herndon Avenue • Clovis, CA 93611-0599 559-327-9000 • www.cusd.com

 
•ƒ„�–ƒ™˜Ž‘•�–ƒ™�”Ǥ‘—�‰–—•–Šƒ™Œ–•™ŒŽ‘ŒŠƒ—˜Ž—„Šƒ—˜’ƒ—•…‘˜–•‡˜�ƒ™� �–ƒ™˜Ž‘˜‹•Ǥ

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š‘‰…ƒ‹�ƒ™��–ƒ™˜�›‘„Šƒ—˜�ƒ•Ž‹•ˆ‘•�‹ƒ••‡…–‹‘�͵ʹʹʹͲ–Š‹ƒ„͵ʹʹʹͳ�‹ƒ•�‘�–•‘‘�–—„ �–šŠƒ‹•�ƒ™��–ƒ™˜ǡ–•‹•Šƒ‹•�ƒ™��›‘„Ž—„–•‡˜�ƒ™��–ƒ™˜–™‰Ž‹ǡ–šŠ—ƒ–—•—ƒ•›—ƒ˜�—• �ƒ™�ƒ–ŠŽ‡–‹…›—ƒ˜ –•—��—ƒŒ�–ƒ™˜�Š‘�‘„”‹•�“‹•̈́ͳǡͷͲͲǤƒŒ•‡‡„Ž‘•�—•�Š‘�‘„ –Šƒ—��—ƒŒš™�–šŠ‡‡Œ”ƒ—‰�“ƒ‹Œ�–—ƒ‰�–•Šƒ˜�”‘‰Ǥš‘Œ…ƒ‹�‘›‘‰”ƒ—–šŠ—ƒ–—•—ƒ•›—ƒ˜ �—•�ƒ™�—ƒ•’‘”–ǡ–•‹•Šƒ‹•–—•Ž‘ŒŽ‘•–—•�‡Ž‹ǡ›—ƒ˜–•—�–ƒ—�—ƒŒǤ

•‘‘�–—„�ƒ™��–ƒ™˜—ƒ•›‘‰…‘˜…‘Œ–‡Œ’ƒ„�‡�›—ƒ��ƒ™�—ƒƒ–ŠŽ‡–‹…ǡ–Š‹ƒ„–Šƒ—�…‘Œ …‘˜�‡�›—ƒ��–ƒ™†�—•—ƒƒ–ŠŽ‡–‹… ”ƒ—Ž—ƒ‰•ƒ‹„Ž‘•’—ƒ•…‘Œ–‡Œ’ƒ„�—•�–ƒ—•„ƒ�†ǡŠ— �ƒ—Œǡ›‡ŽŽŽ‡ƒ†‡”•ǡ‡–…Ǥ…‘˜…‘Œ�–ƒ™†�—Œ›—ƒ˜–•—�–ƒ—�—ƒŒȋ‹�•—”ƒ�…‡–ƒ•�”Š‘–Š‹ƒ„ȌǤ

šŠ—ƒ–—•–—„�–šŠƒ‹•—ƒ•�—•�ƒ™�—ƒƒ–ŠŽ‡–‹…ǡŽ‘•’—ƒ•–‡Œ›ƒ��—ƒŒ�–•‹•œ‘‘Ž‹�–ƒ™†ǡ›‘‰ Ž‡‡Œ–™‰–•‹•�—ƒŒ�–ƒ™˜�Š‘�‘„ȋ‹�•—”ƒ�…‡’Žƒ—ȌŠƒ—˜Ž—„–•‡˜�ƒ™��–ƒ™˜�–ƒ™†›—ƒ˜–•‹• –ƒ—�—•Ǥ–•Šƒ‹Š‘›‘‰–‹ƒ•�™•›‡‡Œ›—ƒ˜–ƒ—�™•‹„–—‰‹�•—”ƒ�…‡Ž™�“Š‘˜Ž‘•œ‘‘–‹„›ƒ�Ž‹ –—•Šƒ—˜–•‡˜�ƒ™��–ƒ™˜–Š‹ƒ„”ƒ™•Ž‹–—•…ƒ‹Žƒ™��ƒ•–Š‹ƒŒŽ‹•‹˜–ƒ—š™„Ǥ

Governing Board

Sandra A. Bengel

Christopher Casado

Brian D. Heryford

Ginny L. Hovsepian

Richard Lake, C.P.A.

Elizabeth J. Sandoval

Jim Van Volkinburg, D.D.S.

Administration

Janet L. Young, Ed.D. Superintendent

Carlo Prandini, Ph.D. Deputy Superintendent

Norm Anderson Associate Superintendent

Barry Jager

Associate Superintendent

Michael Johnston Associate Superintendent

Š‘˜ �‡Œ �—ƒ„ –—• �‡ �›—ƒ� “Š‘˜ ‹�•—”ƒ�…‡ –•‘ ”ƒ— Šƒ—˜ ‘�Ž‹�‡Ǥ ‘‰ šƒ˜ ’ƒ—„ –š‘‰ …‘˜ ‹�•—”ƒ�…‡�—ƒŒ�›‘„Šƒ—˜–•‡˜�ƒ™��–ƒ™˜–Š‘˜•ƒ‹„Šƒ—˜†ƒ‹��–ƒ™˜—ƒ•šƒ�”‘‰–•ƒ„�‘ǡ –•‹•Ž‹Ž‘•�‡Œ�—•�–•‹„…‘˜—ƒŠƒ—ŒŽ™�Šƒ—˜‘ˆˆ‹…‡–‘��‡Œ–—•�‡�›—ƒ�Ž—„–•‡˜�ƒ™� �–ƒ™˜Ǥ

ƒ�‡–‘—�‰ǡ†ǤǤ —’‡”‹�–‡�†‡�–

1450 Herndon Avenue • Clovis, CA 93611-0599 559-327-9000 • www.cusd.com

Student Accident & Sickness Coverage

Despitebesteffortstoprotectthem,childrenget hurt...sometimesseriously.Obtainingthecarethey needcanbeexpensive.

Yourschoolhasarrangedforthesevaluableplans toassistyouwiththeexpenseofunexpectedemergencies.

Evenifyourchildhasothercoverage,ourplanscanhelpcover thelargedeductibles,co-paysandotheruncoveredexpensesso commontomanyotherplanstoday.

With Our Plans

2015-2016 School Year

Sponsored by:

Arranged and Administered by:

•	Use the doctor or hospital you want...no restrictions

•	Emergency Room (room & supplies) and Ambulance covered at 100% of UCR* charges!

•	Rates are affordable

•	Enrollment is easy - mail, fax, e-mail and online

PROTECT YOUR CHILD TODAY!

*Usual, customary & reasonable	641

Determine the Plan(s) you want to purchase

You may go to the doctor or hospital of your choice!

Student Accident & Sickness Plan Our Best Coverage!
Students (Grades P-12) may enroll in this plan. Covers Injuries sustained and Sickness commencing anywhere in the world, 24 hours a day, while your student is insured under this School Year’s plan (including interscholastic sports, except high school tackle football). Repatriation and Medevac benefits are included. This plan does not cover routine or preventative care.

Benefits are payable according to the “Description of Benefits” up to $50,000 per Covered Sickness and $200,000 per Covered Accident.

Coverage begins at 11:59 p.m. on the date the School receives a completed enrollment form and payment of premium, provided proper records are maintained by the School and enrollment form and premium are forwarded to and received by Myers-Stevens & Toohey & Co., Inc. (hereinafter called “The Company”) within 15 calendar days. Otherwise, coverage begins on the day of receipt of the enrollment form and premium by the Company. Coverage ends at 11:59 p.m. on the last day of the month for which payment has been made. Coverage may be continued for up to 12 calendar months, or through Sept. 30, 2016, whichever comes first, provided the required payments are made.

There is a $50 deductible per covered Accident or covered Sickness if enrolling prior to December 1, 2015. If enrolling on or after December 1, the deductible per Sickness is increased to $500 unless enrollment occurs within: 1) 30 days of student’s transfer into a participating School; or 2) 30 days of loss of prior sickness coverage; or 3) 5 days of participation in the first official day of practice for any interscholastic sport. Enroll Early!

School-Time Accident Plans
Students (grades P-12) may enroll in these plans. Covers Injuries caused by covered Accidents occurring:

• On School premises during the hours and on days when the School’s regular classes are in session, including one hour immediately before and one hour immediately after regular classes, while continuously on the School premises

• While participating in or attending School-sponsored and directly supervised School Activities including interscholastic athletic activities and non-contact spring football (except interscholastic high school tackle football)

• While traveling directly and without interruption to or from residence and School for regular attendance; or School and off campus site to participate in School-sponsored and directly supervised School Activities, provided travel is arranged by and is at the direction of the School; and while traveling in School Vehicles at any time.

Coverage begins at 11:59 p.m. on the date the School receives a completed enrollment form and payment of premium, provided proper records are maintained by the School and enrollment form and premium are forwarded to and received by the Company within 15 calendar days. Otherwise, coverage begins on the day of receipt of the enrollment form and premium by the Company. Coverage ends at 11:59 p.m. on the closing date of regular classes for the 2015-2016 School Year.

NOTE – Participation in commercial camps or clinics is not covered under these plans. See “Full-Time 24/7” plans.

NOTE – Participation in commercial camps or clinics may be covered under this plan.

1st payment: $208.00

Benefit Levels:                   High      Mid      Low Rates per School Year:       $79       $68       $53

(Covers remainder of month in which you enroll and 1 additional month) Subsequent Payments: $169.00 a month, billed every 2 months

Interscholastic Tackle Football Accident Plans

Students (grades 9-12) may enroll in these plans. Covers Injuries caused by covered accidents occurring:

• While practicing or playing in interscholastic high school tackle football activities which are School-sponsored and directly supervised, including
spring practice and summer conditioning, weight training and passing league

• While traveling for football in a School Vehicle or traveling directly and without interruption between School and off-campus site for such activities provided travel is arranged by and is at the direction of the School

Coverage begins at 11:59 p.m. on the date the School receives a completed enrollment form and payment of premium, provided proper records are maintained by the School and enrollment form and premium are forwarded to and received by the Company within 15 calendar days. Otherwise, coverage begins on the day of receipt of the enrollment form and premium by the Company. Coverage ends at 11:59 p.m. on the closing date of regular classes for the 2015-2016 School Year.

NOTE – Participation in commercial camps or clinics is not covered under these plans. See “Full-Time 24/7” plans.

Dental Accident Plan ($75,000 Maximum)

Students (grades P-12) may enroll in these plans. Covers Injuries to teeth caused by covered Accidents occurring 24 hours a day, anywhere in the world, including participation in all sports and all forms of transportation.

Benefits are payable at 100% of the Usual, Customary and Reasonable charges for Treatment of Injured teeth, including repair or replacement of existing caps or
crowns. We do not pay for damage to or loss of dentures or bridges or damage to existing orthodontic equipment.

The coverage provides a “Benefit Period” of Accident dental benefits for up to one year from the date of first Treatment. The benefit period for an Injury may be extended each year, provided that: coverage is renewed prior to October 1, the student remains enrolled in grades P-12, and written notice is received by the Company at the time of Injury that further Treatment will be deferred to a later date.

Coverage begins at 11:59 p.m. on the date the School receives a completed enrollment form and payment of premium, provided proper records are maintained by the School and enrollment form and premium are forwarded to and received by the Company within 15 calendar days. Otherwise, coverage begins on the day of receipt of the enrollment form and premium by the Company. Coverage ends at 12:01 a.m. on the date School begins regularly scheduled classes for the 2016-2017 School Year.

$16.00 purchased separately
$12.00 when added to any plan(s) purchased

Benefit Levels:
Rates per School Year:

High	Mid	Low
$339	$295	$235	Pharmacy SmartCard ™

Full-Time 24/7 Accident Plans
Students (grades P-12 and school employees) may enroll in these plans. Covers Injuries caused by covered Accidents occurring 24 hours a day, anywhere in the world and while participating in all interscholastic sports except high school tackle football.

Coverage begins at 11:59 p.m. on the date the School receives a completed enrollment form and payment of premium, provided proper records are maintained by the School and enrollment form and premium are forwarded to and received by the Company within 15 calendar days. Otherwise, coverage begins on the day of receipt of the enrollment form and premium by the Company. Coverage ends at 12:01 a.m. on the date School begins regularly scheduled classes for the 2016-2017 School Year.

NOTE – Participation in commercial camps or clinics may be covered under this plan.

Benefit Levels:	High	Mid	Low

Available to students, their families and school staff through our partnership with National Pharmaceutical Services (NPS), the SmartCard offers savings of up to 95% of prescription drug costs and is accepted at over 63,000 pharmacies nationwide.

In addition, the program can provide “Instant Alerts” to potential medication interactions to better protect your family along with unique “Proof of Savings” reports mailed directly to you every six months.

After your payment has been processed, NPS will send you your ID card. Present your card each time you or a family member needs a prescription filled to receive your savings. For more detailed information, go to www.pti-nps.com or call 800-546-5677.

The SmartCard is not an insurance product and is not insured by BCS Insurance Company.

$36.00 for entire family, for one full year!

Rates per School Year:	$328	$276	$225

Determine the benefit level that best fits your needs

We urge you to consider the Student Accident & Sickness Plan or the High Option plans, especially if your child has no other insurance. Call us at 800-827-4695 for help.

Description of Benefits	(Applies to all plans except the Dental Accident Plan and Pharmacy SmartCard)
We will pay benefits only for Covered Injuries sustained or Covered Sickness commencing while insured under this School Year’s plan. Benefits payable will be based on the Usual, Customary and Reasonable Charges incurred for covered medical and dental services, as defined by the Policy, subject to exclusions, requirements and limitations. We do not pay for a service or supply unless it is Medically Necessary and listed in the Description of Benefits below. Applicable benefits mandated by the state of residence will be included in the covered expenses. You may take your child to any provider you choose; however, seeking Treatment through a First Health contracted provider may reduce your out-of-pocket costs.

To find participating First Health medical providers nearest you, call 800-226-5116 or log on to www.myfirsthealth.com.

Covered Benefit Levels
	Low Option
	Mid Option
	High Option
	Student Accident & Sickness Plan
	
Plan Name
	MAXIMUMS PER ACCIDENT
	
$50,000 Maximum per Sickness

$200,000 Maximum per Accident
	
Tackle Football Accident Plan Full-Time 24/7 Accident Plan
School-Time Accident Plan
	$25,000 $50,000
$25,000
	$50,000 $100,000
$50,000
	$75,000 $150,000
$75,000
		
Deductible - per condition
	$250
	$100
	$50
	$50/$500*
	
Covered Expenses
	BENEFIT MAXIMUMS
	BENEFIT MAXIMUMS
	
Hospital Room & Board - Semi Private Room Rate
	80%
	80%
	90%
	80%
	
Inpatient Hospital Miscellaneous Charges
	80% to $2,000/Day
	80% to $2,500/Day
	90% to $3,000/Day
	80% to $4,000/Day
	
Intensive Care Unit
	80% to $2,000/Day
	80% to $2,500/Day
	90% to $3,000/Day
	80%
	
Hospital Emergency Room
(room & supplies) incurred within 72 hours of an Injury
	
100%
	
100%
	
100%
	
100%
	
Outpatient Surgical (room & supplies)
	80% to $2,000
	80% to $2,500
	90% to $5,000
	80% to $4,000
	
Physician Non-Surgical Treatment & Exam (excluding Physical Therapy) Including consultation (when referred by attending Physician)
	
80%
	
80%
	
90%
	
80%
	
Surgeon Services
	80%
	80%
	90%
	80%
	
Assistant Surgeon Services
	80%
	80%
	90%
	80%
	
Anesthesiologist Services
	80%
	80%
	90%
	80%
	
Physiotherapy (includes related office visits) when prescribed by a Physician
	
80% to $400
	
80% to $750
	
90% to $1,000
	
80% to $2,000
	
X-Ray Examinations (including reading)
	80% to $400
	80% to $750
	90% to $1,000
	80%
	
Diagnostic Imaging MRI, Cat Scan
	80%
	80%
	90%
	80%
	
Ambulance (from site of an emergency directly to hospital)
	100%
	100%
	100%
	100%
	
Laboratory Procedures, Registered Nurse Services, and Rehabilitative Braces
	
80%
	
80%
	
90%
	
80%
	
Durable Medical Equipment
	80% to $400
	80% to $750
	90% to $1,000
	80%
	
Out-Patient Prescription Drugs (for Injuries only)
	80%
	80%
	90%
	80%
	
Dental Services (including dental x-rays) for Treatment due to a covered Accident
	
80%
	
80%
	
90%
	
80%
	
Eyeglass Replacement (for replacement of broken eyeglass frames or lenses resulting from a covered Accident requiring medical Treatment)
	
$300
	
$300
	
$300
	
80%
	
Medical Evacuation & Repatriation
	$0
	$0
	$0
	100% to $10,000

*If enrolling on or after Dec. 1, deductible per Sickness is increased to $500. See Student Accident & Sickness description at left for exceptions.

Benefits for Accidental Death, Dismemberment, Loss of Sight, Paralysis and Psychiatric/Psychological Counseling

(Applies to all plans except the Dental Accident Plan and Pharmacy SmartCard)

In addition to medical benefits, if, within 365 days from the date of Accident covered by the policy, bodily Injuries result in any of the following losses,
we will pay the benefit set opposite such loss. Only one such benefit (the largest) will be paid for all such losses due to any one Accident.

• Accidental Death

• Single dismemberment or entire loss of sight in one eye

• Double dismemberment or entire loss of sight in both eyes, or paraplegia or hemiplegia or quadriplegia

Counseling - In addition to the AD&D benefits, we will pay 100% of the Usual, Customary and Reasonable costs of psychiatric/psychological counseling needed after covered dismemberment, loss of sight or paralysis up to

$10,000 $20,000 $30,000

$ 5,000

Premiums Cannot Be Refunded Or Converted

2015-2016

Instructions

Thank you for enrolling your child!
1
To avoid any delay in coverage, please follow these 3 easy steps below: 1	Selectthe plan(s) you wish to purchase below:

• The Student Accident & Sickness Plan will provide our highest level of coverage.

• Our Accident Plans may be purchased on an individual basis or combined with additional coverage (for example, Full-Time Accident + Dental).

Enrollment Form

This box must be completed by the school official & received by Myers-Stevens & Toohey & Co., Inc. within 15 calendar days

____/____/____	_________	_______ Date Envelope Returned	Time Returned                       School Official Initials

Complete all information (please print)
and return to Myers-Stevens & Toohey & Co., Inc.

2	Completeand detach the enrollment form on the reverse side. Please note, we are unable to accept enrollments over the phone.
3	Purchase and Return

• IF PAYING BY CHECK OR MONEY ORDER: print student’s full name on your check/money order, make payable to Myers-Stevens & Toohey & Co., Inc., seal in attached envelope and return to your school.

Student Name     First	Middle	Last

		-
			-

Student Birthdate

• IF PAYING BY CREDIT OR DEBIT CARD: complete Mastercard® / Visa® payment form below, detach, seal in attached envelope and return to your school.

PLEASE DO NOT SEND CASH

Mailing Address

City	State

			-
				-

Parent Daytime Phone Number

Apt.#

Zip Code

Parent E-mail Address

District Name

Return this completed form to your school right away.

School Name	Grade

Our BEST Plan Student Accident & Sickness
1st Payment	$208.00
You will be billed $338.00 every 2 months thereafter. Coverage cannot exceed 12 calendar months or run past Sept. 30, 2016.

Our Accident Plans (One-Time Payment For Entire School Year)

PLANS:
	High Option
	Mid Option
	Low Option
	
Tackle Football Only Full-Time (24/7)
School-Time
			$339.00
			$295.00
			$235.00

	$328.00
	$276.00
	$225.00
	
			$79.00
			$68.00
			$53.00
	
Dental Accident
		
			$16.00 Purchased Separately

			$12.00 When added to any plan(s) purchased
	
Pharmacy Smart-Card
		
			$36.00

Total Amount Due
	$

Print Parent or Guardian Name

I have enrolled for the coverage checked above as provided by the Family Insurance Trust where applicable. I understand premiums cannot be refunded or converted.

X__________________________________________________ Parent or Guardian Signature	Date

PREMIUMS CANNOT BE REFUNDED OR CONVERTED

MethodofPayment
Note: $25.00 service charge for Returned Checks and declined Credit Cards Check/Money Order(Make payable to: Myers-Stevens & Toohey & Co., Inc.) or

Mastercard® or Visa®

Important: If paying by credit card, complete this form. Your amount of charge will appear as “M-S Student Insurance” on your statement.

-	-	-

Card Number	EXP. DATE	3 digit $                          MO.	YR.           control #

Amount

Print Name of Cardholder	Zip Code

I authorize Myers-Stevens & Toohey & Co. Inc. to deduct the premium payment, plus a 3% processing fee, from my credit card. If enrolling in the Student Accident & Sickness Plan, I am authorizing the initial premium payment and understand that I will be invoiced every 2 months for the subsequent payments.

X 	
Signature of Cardholder

Auto-Charge Option
	
Available for your convenience is the option to have your bi-monthly payments automatically charged to your credit card.
By initialing here ______________, I hereby authorize Myers-Stevens & Toohey to charge the above credit card $338, plus a 3% processing fee, on the 5th of the month that my payment is due. This authorization will remain in effect for the 2015/2016 school year until I notify Myers-Stevens & Toohey in writing prior to the next payment date.

Company

Frequently Asked Questions...

I’m in a hurry! What is the quickest way to enroll? We offer online enrollment at
www.myers-stevens.com.

Simply click the orange “Enroll Now” button on the home page, complete the enrollment process and your ID card will be emailed to you immediately!

If my child has no other insurance, what’s my best buy? Unless you need coverage for high school tackle football, the Student Accident & Sickness Plan is our broadest, best option. Next best is the Full Time 24/7 Accident Plan with “High Option” benefits.

If I have other insurance, why do I need this coverage?
Our plans can expand your choice of providers for your child and can help cover deductibles, co-pays and other out-of-pocket expenses.

Can I take my child to any doctor or hospital?

YES! However, your out-of-pocket costs could be less by using a First Health contracted provider. To find participating doctors/hospitals nearest you, call
800-226-5116 or log on to www.myfirsthealth.com

Are accident-only rates paid every month?

NO! Accident-only rates are one-time charges for the entire School Year.

Can interscholastic high school tackle football be covered?
YES! But only under the Interscholastic Tackle Football Plan. “High Option” benefits are recommended.

Do the Interscholastic Tackle Football or School-Time plans cover camps and clinics sponsored and organized by groups other than my child’s school?
NO! However, such camps and clinics may be covered under our Full-Time 24/7 or Student Accident & Sickness plans. Call us for guidance!

Still need help or have questions?
Go to www.myers-stevens.com or call us for prompt, personalized assistance at (800) 827-4695.

How To File A Claim

1. Report School-related Injuries within 60 days to the School office. To find a First Health provider nearest you, call 800-226-5116 or log on to www.myfirsthealth.com.

2. Obtain a claim form from the School or the Company. Claim forms must be filed with the Company within 90 days after the date of first Treatment.

3. At the same time, please file a claim with your other family sickness and/ or Accident carrier.

4. Follow ALL claim form instructions, attach all itemized bills and send to:

Myers-Stevens & Toohey & Co., Inc. 26101 Marguerite Parkway Mission Viejo, CA 92692-3203 949-348-0656 or 800-827-4695 Fax 949-348-2630 CA License #0425842

The Insurance

(Does not apply to the SmartCard)

BCS Insurance Company Oakbrook Terrace, Illinois

Rated A- (Excellent) by A. M. Best,

an independent insurance company rating agency Master Policy form # 28.203

This brochure contains a brief description of the benefits available. Complete details may befoundinthePoliciesonfileatyourSchool or district office. Certain provisions may be different if required by state law. Please keep thisinformationasareference.

Policyholder:FamilyInsuranceTrust, SitusedinDistrictofColumbia

Exclusions

Benefits are not payable for any of the following or loss that results from them: 1.	Damage to or loss of dentures or bridges or damage to existing orthodontic equipment.
2.	War or any act of war, declared or undeclared.

3.	Participation in a riot or civil disorder; fighting or brawling, except in self-defense; commission of or attempt to commit a felony or violating or attempting to violate any duly enacted law.

4.	Suicide, attempted suicide or intentionally self-inflicted Injury while sane or insane.

5.	Injury or Sickness contributed to by the use of alcohol or drugs unless taken in the dosage and for the purpose prescribed by the Covered Person’s Physician.

6.	Practice or play in interscholastic high school tackle football (unless separate football coverage is purchased), intercollegiate sports, semi-professional sports, or professional sports. (Does not apply to the Dental Accident Plan.)

7.	Injury or Sickness covered by Worker’s Compensation or Employer’s Liability Laws, or by any coverage provided or required by law including, but not limited to group, group type, and individual automobile “No Fault” coverage (excluding School Vehicle coverage).

8.	Treatment, services or supplies provided by the School’s infirmary or its employees, or Physicians who work for the School, or by any member of the Covered Person’s immediate family; or for which no charge is normally made.

9.	Mental or nervous disorders (except as specifically provided by the Policy).

10.	Treatment of Sickness, ailment, or infections (except pyogenic infections or bacterial infections which result from the accidental ingestion of contaminated substances). (Does not apply to the Sickness-Only Coverage under the Student Accident & Sickness Plan.)

11.	The diagnosis and Treatment of non-malignant warts, moles and lesions, acne or allergies, including allergy testing.

12.	Injury sustained as a result of riding in or on, entering or alighting from, a two or three-wheeled motor vehicle. (Does not apply to the Dental Accident Plan.) 13.	Treatment of osteomyelitis, pathological fractures and hernia. (Does not apply to the Sickness-Only Coverage under the Student Accident & Sickness Plan.) 14.	Detached retina (unless directly caused by an Injury). (Does not apply to the Sickness-Only Coverage under the Student Accident & Sickness Plan.)
15.	Any expenses related to the Treatment of tonsils, adenoids, epilepsy, seizure disorder or congenital weakness; or expenses for Treatment of congenital anomalies and conditions arising or resulting directly there from.

16.	Supplies, except as otherwise provided in the Policy.

Requirements and Limitations

Aggravations of injuries which did not occur while insured under this plan are paid up to $500 maximum benefit per policy term. Injuries sustained as a result of riding in or on, entering or alighting from or being struck by a Motor Vehicle are limited to a $5,000 maximum benefit (up to $10,000 if vehicle is a School Vehicle). Some Motor Vehicle injuries are not covered - see exclusions above for details. School-time and high school tackle football injuries must be reported to the School within 60 days of the date of Injury. The first Physician’s visit must be within 120 days after the Accident occurs. This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit us from providing insurance, including but not limited to, the payment of claims. A claim form must be filed with Myers-Stevens & Toohey & Co., Inc. within 90 days after the date of loss. The plan pays for covered expenses incurred within up to a year from the date of the first Physician’s visit. However, should the Injury sustained require the removal of surgical pins, continued Treatment for serious burns, or Treatment of a non-union or mal-union fracture, the benefit period will be extended to 104 weeks. Each covered condition may be subject to a deductible - see plan details.

Definitions

An Accident is defined as a sudden, unexpected and unintended incident. Covered Accident means an Accident that results in Injury or loss covered by this Policy. An Injury is defined as Accidental bodily harm sustained by the Covered Person that results directly from an Accident (independently of all other causes) and occurs while coverage under the Policy is in force. Medically Necessary is defined as the services or supplies provided by a Hospital, Physician, or other provider that are required to identify or treat an Injury or Sickness and which, as determined by the Company, are: (1) consistent with the symptoms or diagnosis and Treatment of the Injury or Sickness; (2) appropriate with regard to standards of good medical practice; (3) not solely for the convenience of the Insured Person; (4) the most appropriate supply or level of service which can be safely provided. When applied to the care of an Inpatient, it further means that the Insured Person’s medical symptoms or condition requires that the services cannot be safely provided as an Outpatient. Sickness is defined as illness or disease contracted by and causing loss to the Insured Person whose Sickness is the basis of claim. Any complications or any condition arising out of a Sickness for which the Insured Person is being treated or has received Treatment will be considered as part of the original Sickness. School Activities means any activity that is sponsored and under the direct, immediate supervision of the School that: (a) the School requires the Insured Person to attend; or (b) is under the sole control and supervision of School authorities. It does not include an activity related to athletics or cheerleading that is under joint sponsorship or supervision arrangement with any non-School group.

Non-Duplication of Benefits (Excess Provision):

In order to keep premiums as affordable as possible, these plans pay benefits on a non-duplicating basis. This means, if a person is covered by one or more of these plans and by any other valid insurance or health agreement, any amount payable or provided by the other coverages will be subtracted from the covered expenses and we will pay benefits based on the remaining amount.

IMPORTANT NOTICE: If your child receives Medicare benefits, you must obtain a Medicare disclosure notice prior to applying for this insurance. Please contact our office for a copy of this notice.

Premiums Cannot be Refunded or Converted
For a brochure in Spanish, or for assistance in Spanish, please call 800-827-4695 Para un folleto en Español, o para asistencia en Español, por favor llame a 800-827-4695

CA PND 641 04/15