Voyager Choice

Deductibles
Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

Payment
After the Insured Participant satisfies any required Deductible, payment of Covered Expenses is provided as defined in the Benefit Overview Matrix in Section I of this document.

Please note any additional limits on the maximum amount of Covered Expenses in the discussions of each specific benefit.

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate. The Trip Coverage Period is the amount of Covered Expenses the Eligible Participant must pay for each Covered Person before any benefits are available regardless of provider type.