1. Benefit Designs & Options

2. Self-Funding with a Solid Foundation
SafeGuard offers market-proven coverage: Many of the same popular benefit designs that have protected the lives of tens of thousands of USHL insured members comprise the SafeGuard portfolio.
A range of benefit designs are available:
Traditional Coverage bundled with the employer’s selected prescription drug package, or
High Deductible Health Plan (HDHP) Coverage with integrated prescription drug coverage
Numerous member share percentage and deductible combinations available

3. SafeGuard Traditional Coverage
Available copay and Rx packages for traditional coverage detailed on next page
Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans.
i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

4. SafeGuard Traditional Coverage
Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

5. SafeGuard HDHP Coverage
Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

6. Benefit Design Options
Auto Accident Coverage*
With this option, medical coverage becomes primary for auto-accident related claims
24-Hour Work-Related Coverage**
Covers claims for work-related illness and injuries for those not covered under group workers comp policy
Available in Michigan only ** Subject to underwriting approval
Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans.
i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

7. SafeGuard Coverage Highlights
Physician Services
Primary physician office visits
Specialist physician office visits
Inpatient and outpatient services and surgery
Allergy testing and injections
Emergency room physician services
Urgent care physician services

8. SafeGuard Coverage Highlights
Facility Charges
Inpatient and outpatient facility services and surgery
Emergency room charges
Urgent care charges
Inpatient and outpatient diagnostic services and advanced imaging (i.e. radiology, pathology, MRA/MRS, MRI, PET, CAT, SPECT)
Preventive Care
First-dollar wellness / preventive, including well-baby visits, mammograms, colonoscopies, immunizations, additional per national recommendations and preventive care guidelines

9. SafeGuard Coverage Highlights
Other Services
Inpatient and outpatient substance abuse treatment
Chiropractic care
Semi-private and intensive care unit room and board
Hospital services and supplies
Hospice care
Home healthcare services
Physical / Occupational / Speech therapy
Physiotherapy
Private duty nursing
Ground or licensed air ambulance services
Durable medical equipment and supplies
Blood, blood plasma

10. SafeGuard Coverage Highlights
Other Services, cont’d.
Pre and post-natal care
Circumcisions
Chemotherapy and antineoplastic drugs
Extended care facility charges
Treatment for mental, nervous and personality disorders (inpatient and outpatient)
Temporomandibular Joint (TMJ) and comparable disorders
Nurse / midwife services
Voluntary sterilizations
Human organ and bone marrow transplants

11. Major PPO Networks Available
SafeGuard coverage utilizes proven provider networks offering high levels of participation and significant discounts:
IL: HFN
IN: Sagamore
MI: Cofinity , HAP
OH: Medical Mutual, Cigna, First Health
WI: Trilogy
Note: Additional networks available for SafeGuard partnership plans.

12. For additional information on SafeGuard, select an option below:
Speak with a Sales Representative
Contact USHL Sales Support at (844)
or send an to
Learn more about SafeGuard
Review SafeGuard Benefit Summaries
Review Frequently Asked Questions
Obtain a Quote
Excess loss insurance policies and PPO insurance plans underwritten by US Health and Life Insurance Company, Inc.  SafeGuard plans administered by US Health and Life Insurance Company, Inc. © 2017 US Health and Life Insurance Company, Inc. All rights reserved.

13. Benefit Designs & Options