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 Example 1 - Table

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 Example 4 - Non-table component solution

First-dollar coverage

No deductibles, coinsurance or copays

Includes all solid organ and blood and marrow transplants

Pays related expenses from evaluation through 365 days post transplant, including immunosuppresant drugs

No pre-existing clause or lasering

Protection for the full population begins as soon as coverage is bound

Lifetime benefit for transplant services protects annual max benefit of hidden medical coverage

Stop loss premium credits often result once coverage is in place

Predictable program

Guaranteed renewable policy

Drives increased stop loss persistency

Pays related expenses from evaluation through 365 days post transplant, including immunosuppresant drugs

 Example 5 - Non-table solution

First-dollar coverage

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No pre-existing clause or lasering

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Predictable program

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