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

Please note that Blue Shield 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 co-payment of $50 per visit for treatments that are not related to an injury. This co-payment 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 co-payment 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 Blue Shield Life's $50,000 Accidental Death and Dismemberment Insurance Benefit. (This is only available to applicants over age 19.)