Have you ever been declined for Health Insurance or pay too much money for high risk insurance. We offer the best guaranteed issues health insurance at the most affordable cost!

1. First Choice Health Insurance
plan by Central United Life
A GUARANTEED RENEWABLE HEALTH
INSURANCE POLICY OFFERED IN
28 STATES.
CUL IS A SUBSIDIARY OF THE MANHATTAN
INSURANCE GROUP, HOUSTON, TEXAS
THE FOLLOWING IS A BRIEF SUMMARY DESCRIPTION OF
BENEFITS OFFERED UNDER THE FIRST CHOICE PLATINUM
PLAN. PLEASE CONSULT THE POLICY FOR COMPLETE
DESCRIPTION OF COVERAGE, EXCLUSIONS AND LIMITATIONS.

2. Great News!
Primary applicants who work an average of 30 hours
per week, will be eligible for the FirstChoice Limited
Benefit Guaranteed Issue health plan that offers benefits
for the premium dollar.
Whether sold as primary health coverage for those who
cannot afford and/or who cannot medically qualify for a
Major Medical plan …
Or, when offered as a Supplemental or “Gap” coverage in
combination with a higher deductible Major Med plan …
… We believe that you‟ll find that our FirstChoice plan
offers an affordable, dependable, health coverage value
unlike any other GI health plan being sold today.

3. Features You’ll Like!
If the sound of an “Any Doctor/Any Hospital”
plan is appealing to you – then consider
FirstChoice!!
FirstChoice NEVER pays less because you didn‟t
go a “preferred” or “network” doctor.
We DO offer options/resources to our Platinum
and Gold plan policyholders that allow clients to
access their health care through a list of optional
PPO providers that will help save you money on
covered claims.

4. Features You Won’t Miss!
Important Features of all FirstChoice plans:
No Deductible No Coinsurance
No Copays No Utilization Review
No Preauthorization No Pre Certification
No Application, Enrollment or Admin Fees!
It‟s “First Dollar Coverage” on
all covered medical services.

5. As Secure as it Gets!
The FirstChoice plan is Secure in 2 ways:
AM Best rates CUL as “Secure,” their highest of the 4
categories utilized for evaluating insurance companies.
Since our plan is a “Guaranteed Renewable Insurance
Policy” unlike most health companies, we CAN‟T cancel
policy holders‟ coverage.
Once issued, the plan is yours until the first renewal after
age 65 whether you continue working or not – unless
you cancel us or decide to stop paying your premiums!
Your plan is also “Conditionally Renewable” annually, after age 65, if you continue working 30 hours a week, for
up to 5 additional years. See policy for complete coverage details.

6. As Stable as it Gets!
Our specific plan design has been used by several
different companies for many years and to our
knowledge none of those plans has ever had a single
rate increase on an in force policy – ever.
We don‟t promise we‟ll never will have a rate
increase, but that level of stability is unusual with
health insurance!
In a market where health companies routinely “come
and go” and where premium rates go “up and up and
up” … isn‟t it nice to find a plan with this kind of
Stability and Security?!

7. BENEFITS: Hospital Room Coverage
Daily Hospital Room – Platinum Plan
In our “Platinum” plan, a blend of 3 different benefits
provides $14,000 of coverage over your first 6
continuous days in the hospital each year.*
Afterward, CUL pays $500 per day for the balance of
365 days.
In addition, CUL pays $2000 per day the first 20 days
of confinement in an Intensive Care Unit. ( ICU )
If your hospitalization is due to an injury, CUL pays
an additional $200 per day, up to 356 days. (except in GA.)
*Ask your agent to show you how 3 “Hospital Room” benefits are combined to provide this great coverage
after you complete your application. They‟ll be glad to do so!

8. BENEFITS: Our Surgical Coverage
Our Surgical Schedule one of the deepest of it‟s kind for any
guaranteed issue/limited benefit plan anywhere!
It goes to a max of up to$10,000 per medically necessary “In”
or “Out Patient” surgical event – as often as needed.
Obviously, the more serious the surgery, the greater the surgical
benefit.*
In addition, we pay the Anesthesiologist 25% of whatever we
pay for the Surgical fee. Again, we‟ll also pay the
Anesthesiology fees as many times as medically necessary
each year.
*Ask your agent if you‟d like to view our “Surgical Schedule.” It would be our pleasure to educate you on how it works.
Sorry, we don‟t cover “elective” or “cosmetic” surgeries, only those categorized as “medically necessary” and covered by
the policy. Please refer to policy for all coverage details. Medically necessary surgical procedures not listed on our
schedule will be evaluated by our Medical Director and will be covered as treatment of comparable severity.

9. BENEFITS: Wellness & Sick Visits
We provide $400 for Mammograms and $100 for
Pap Smears up to one time per year.*
Each adult insured on the policy will have four $100
doctor “sick visits” annually.
If you have to go to the ER because of sickness, we‟ll
pay $150, and it will count as one of your 4 annual
sick visits.* ( 4 for primary insured, 4 for spouse, if
covered, and four for all covered
children, combined, per year )
CUL doesn‟t care who files the claim – you or your doctor. They‟re paying $100 fee either way - if it‟s
filed/coded as a “sick visit.” If you choose to use a network provider discount, you‟ll enjoy an even
better value for your dollar. Ask your agent to explain “how to buy your covered medical services
wholesale.”
* Not in PA.

10. BENEFITS: Accidental Injury
3 kinds of accidental injury benefits can be accessed by First
Choice policy holders when they have an accident:
The “Specified Injury Rider” (SIR) pays a scheduled
benefit of up to $1800 for each injury.*
The ER Accidental Injury benefit provides $200 per
accidental injury, up to 4 times per year, per insured adult
(4 total to share among children)
Again, the Hospital Injury Indemnity pays an additional
$200 per day in the hospital if your admission is due to
injury/accident.**
Of course, accidental injuries may often require
Surgical, Anesthesiology, Hospital and ICU benefits
(as previously described) in addition to the benefits noted.
*SIR not available in GA/NC **HII not available in GA. Agent would be happy to show you the SIR schedule.

11. BENEFITS: PDN, ADD & Maternity
If your hospitalization requires the services of a Private
Duty Nurse (as in an ICU or “Step Down” unit) CUL
will pay $250 per day for up to 20 days of hospital
confinement only ( no “home‟ benefit here.)
For Accidental Death or Dismemberment, CUL pays
$30,000 to a primary insured. ( Platinum )
10 months after the policy effective date, CUL provides
benefits for Maternity expenses (all appropriate
Hospital Room Benefits, ICU, Surgical and
Anesthesiology benefits) for normal or complicated
delivery.

12. BENEFITS: Pre-existing Limitation
If you‟ve had any medical treatment (including prescribed
medications) or symptoms (for which an ordinarily
prudent person would have sought medical treatment
for) within 12 months prior to your policy effective
date, those specific conditions will not be covered
the first 12 months after your effective date.
After the policy has been effective for 12 months, all pre ex
conditions will be covered as provided for in the policy.
You‟ll enjoy coverage for all other covered medical benefits
immediately upon your effective date.

13. Beechstreet PPO
CUL plans provides a non CUL affiliated PPO
network, Beechstreet, as a free benefit to all First
Choice “Platinum” and “Gold” policy holders.
You can go to www.beechstreet.com and access
comprehensive and current lists of all providers.
PPO discounts can greatly reduce the amounts you
owe on medical services. FirstChoice plans pay the
same, regardless of whether or not a provider is “in
network.” For maximum savings, please try to utilize
their large, national list of providers.

14. Let Us Help Protect & Save
Our aim is to provide both the
best insurance options that you
can both qualify for and
afford, and to educate you, so
you‟ll get your needed medical
services at the best prices.

15. How to Apply for FirstChoice
Please discuss with our agent which
FirstChoice plan option is best for you and
your particular needs.
Your agent can help you to complete a „paper‟
application, or walk you through our online
enrollment portal, ACE.
Thank you for your consideration. We look
forward to the privilege of working with you
in the future.