Frequently Asked Questions

This plan provides set, first-dollar benefits for outpatient care. Meaning, we pay for care the very moment an insurable event occurs - eliminating the financial pressure of having to hassle with copays, coinsurance and deductibles.

You can apply anytime of the year.

This plan does not have any copays. Any costs exceeding the benefit amount are the insured’s responsibility.

Hospital indemnity plans pay set-dollar amounts for care no matter what the provider charges. If the cost for care is less than the indemnity benefit, insureds keep any difference. Subsequently, if the cost for care is more than the indemnity benefit, insureds are responsible for any remaining costs.

For outpatient services, this plan does not have a deductible; set benefits are paid right away for covered services. The deductible only applies to Hospital Confinement benefits.

Benefits are covered from day one except for preventive care (60 day waiting period) and preexisting conditions (12 month waiting period) as outlined in the Policy.

Pre-existing conditions are not covered for the first 12 months of the Policy. Please see the Limitations and Exclusions page, or review the Policy, for more information about pre-existing conditions.

This plan provides you the freedom to choose any doctor or facility you wish. However, using the provided network can result in significant savings. The plan benefits will pay the same benefits whether you choose to go in or out of network.

PAL provides many options that can help fill in the gaps. From basic accident coverage to comprehensive cancer coverage, we can help you get the affordable coverage you need. Ask your agent for more information.

Calling PAL before seeking care, using telemedicine, shopping for services and using the network are all some of the many ways to reduce your out-ofpocket costs.