Copayments and Deductibles
After you meet your Plan deductible, CPIC Life pays 80% of the allowable amount (up to $5,000) for covered services, except outpatient psychiatric care. CPIC Life pays 100% of the allowable amount for covered services in excess of $5,000.

Please note that CPIC Life pays only 50% for outpatient psychiatric care. (See Covered Expenses.)

In addition to your plan deductible, you will have to pay an emergency room copayment of $50 per visit for treatments that are not related to an injury. This copayment does not apply to inpatient admissions.

Deductibles Waived for Accidents
If you have an accident while your policy is in force, we will waive your plan deductible and emergency room copayment for covered charges.

Extended Hospital Benefits
If you are confined in the hospital on the last day of your policy term, your coverage will continue until you are released from the hospital or until you reach your benefit maximum, whichever comes first.

Maximum Benefit
You and each of your enrolled family members are covered for a maximum benefit of $2 million during the policy term.

Additional Benefit
Your plan also includes CPIC Life's $50,000 Accidental Death and Dismemberment Insurance Benefit. (This is only available to applicants over age 19.)