Choose Up to $500 a Day in Benefits
As an eligible physician, you can choose the Daily Benefit Amount that best suits your needs from $100 per day to $500 per day in $100 increments.  The daily benefit is payable directly to you or anyone you choose. And you can use these cash benefits any way you wish: pay hospital telephone bills, make the hospital stay more comfortable with a private room upgrade, or even cover household expenses while you're hospitalized.

No more than 200% of the Daily Benefit Amount is payable for one day of confinement.

No Waiting Period
There is no waiting period or deductible to meet. Benefits are payable from the first day of hospital Confinement due to a covered illness or injury for up to 500 days per period of illness or injury.

Double Benefits for More Expensive Hospital Stays
Certain hospital stays have greater costs associated with them. For covered persons under age 65, this plan pays double your daily benefit up to the maximum benefit period for Intensive Care Unit or cancer treatment Confinement. Covered persons age 65 and over will receive 150% of their daily benefit amount for Intensive Care Unit Confinement; and 100% of their daily benefit amount for cancer Confinements.  All covered persons receive 150% of their daily benefit amount for Intermediate Intensive Care Unit Confinement, regardless of their age.

Outpatient Surgery Benefit
The plan can pay 100% of your daily benefit amount if you undergo medically necessary outpatient surgery due to a covered injury or illness. This benefit is payable up to three times per calendar year. Covered outpatient surgery must be performed by a physician in a hospital or ambulatory surgical center.

Skilled Nursing Facility Confinement
If you are Confined to a Skilled Nursing Facility before age 65, 50% of your daily benefit amount is payable for up to 100 days. Confinement must begin within 7 days of a covered hospitalization of at least 5 consecutive days duration. For Skilled Nursing Facility Confinement due to a mental or nervous disorder, 50% of the daily benefit amount is payable for up to 30 days.

Home Convalescence
To help you recuperate at home, 50% of the daily benefit amount is payable when you or your covered spouse (dependent children are not eligible for this benefit) are totally disabled immediately following a covered hospitalization that lasted at least 10 consecutive days. Benefits will be paid for the lesser of: a) the number of days that the covered person was hospital confined, or b) 30 days per calendar year. This benefit will end when you are no longer disabled.

Pregnancy
The plan can pay 100% of your daily benefit amount for covered Confinement due to pregnancy, subject to the pre-existing conditions limitation. Complications due to pregnancy are covered immediately; however, normal pregnancy is not covered until 12 months (6 months in California) following the effective date of the mother's coverage.

Alcohol and Drug Abuse
The full daily benefit amount is payable for up to 500 days if Confined in a hospital due to alcohol abuse, and up to 100 days if Confined in a hospital for drug abuse. Treatment of drug or alcohol abuse in a Residential Treatment Facility is payable at 50% of your daily benefit amount for up to 100 days.

Mental and Nervous Disorders
The full daily benefit amount is payable for up to 500 days if Confined in a hospital due to mental and nervous disorders.

Pre-existing Conditions
A pre-existing condition is an injury, pregnancy or illness, whether diagnosed or undiagnosed, for which you have received Medical Care or Treatment as defined, within the 12 month period (6 months for residents of California, Indiana, New York, North Dakota and Oregon) preceding the effective date of your insurance. Pre-existing conditions will not be covered until 12 consecutive months (6 months for residents of California and Oregon) following the effective date of your coverage. Hospitalization due to all new conditions will be covered immediately. This limitation does not apply to complications of pregnancy.

Acceptance into the AMA- sponsored Hospital Income Plan is guaranteed as long as you are an active physician residing in the U.S. (see state availability) employed full time, a full-time medical student or a physician retired for reasons other than illness or injury,  and under age 80.  In addition, you can enroll your spouse or domestic partner under age 80 and all unmarried, dependent children through age 26 (through age 27 in Ohio). Florida residents- dependent children are eligible for coverage through age 26, or if unmarried, through age 29. The eligible member must apply for coverage for themselves in order to apply for dependents coverage.  There is no termination due to age.

Coverage will be effective on the date AMA Insurance Agency receives your signed enrollment form, provided premium is paid when due, except for the physician or any covered dependent who is confined to a home, in a hospital, or other medical facility on that date, coverage for that person will be deferred until the day after he/she is no longer so confined provided that the person is still eligible.

As long as the required premiums are paid when due and the group master policy remains in effect, coverage will not terminate unless you request to end such coverage. Dependents coverage ceases when the member's coverage terminates, premiums for the dependent's coverage ceases, or they cease to be eligible dependents.

The Policy does not cover: 1. any loss caused or contributed to by war or act of war, whether war is declared or not; 2. Confinement in a Hospital for which no charge is made that the Covered Person must pay; 3. confinements which occur while not insured under the Policy, and 4. confinements that are not medically necessary.