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Premiums:
For your convenience, your Moose member group premium will be applied to the payment method selected on a monthly basis. Rates do not include an administrative fee. Rates will include a $2.00 administrative fee per premium payment if paying by credit card or a 50 cent administrative fee per premium payment if paying by automatic checking withdrawal. Rates and/or benefits may be changed on a class basis.
Payment Options:
You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.
Guarantees:
You cannot be singled out for a rate increase for any reason, including your health. Rates and/or benefits can be changed only if they are changed on a class basis for all Moose members.
Exclusions:
We will not pay a benefit for a Loss which is caused by, results from, or contributed to by:
- suicide, attempted suicide or intentionally self-inflicted Injury, while sane or insane
(in Missouri and Colorado while sane).
- declared or undeclared war or any act of war.
- full-time military service.
- participating in a riot; committing an assault or felony.
- Sickness or its medical or surgical treatment, including diagnosis.
- bacterial infection except through a wound accidentally sustained.
- operating or riding in any aircraft except as a fare-paying passenger on a regularly
- scheduled commercial flight or as a passenger in a transport plane operated by
the Air Mobility Command (AMC) of the United States of America.
- alcohol intoxication, as defined in the state where the accident causing the Injury
occurred.
- taking of any drug, medication, narcotic, or hallucinogen, unless as prescribed by
a Physician.
- taking of alcohol in combination with any drug, medication, or sedative.
- voluntary gas inhalation or poison voluntarily taken, administered, or inhaled.
MOTOR VEHICLE means a four wheel, two axle motorized vehicle licensed to operate on public roadways. Motor Vehicle includes self-propelled mobile homes and trucks rated less than three tons. Motor Vehicle does not include vehicles operated to carry passengers for hire; and Motor Vehicle excludes motorcycles, all terrain vehicles (ATV's), motorized bikes, and all other vehicles designed primarily for off-road use (except if the Covered Person is struck while a pedestrian).
This information is a brief description of important features of this plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number MZ0925476H0000A on Policy Form Number AD1000GPM issued to the Loyal Order of Moose. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. As determined by state insurance regulations, this plan is not available in LA,MD, NH, NY, OR, UT, WA and WV. Availability of this offer may change.
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