| Room & Board, Psychiatric Ward, Hospice, Hospital Outpatient and Emergency Department, Physicians’ Services, Approved Diagnostic Imaging Facilities, Ground Ambulance, Home Medical Services, Dialysis and Anti-rejection Drugs As specified under The Health Insurance Act |
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| Artificial Limbs
$100,000 lifetime maximum |
| Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care Bermuda Fee Schedule |
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| Ground Ambulance to Home As specified under The Health Insurance Act |
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| Chronic Disease Management Programme 80% | $2,880 maximum per policy year |
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| Medical Alarm Device 80% | $200 maximum per policy year |
Asthmatic, Audiologic, Allergy & Chronic Obstructive Pulmonary Disease (COPD) Counselling:
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Medical Nutritional Therapy (Provider must be a registered Dietitian):
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| Weight Loss Management Programme (Programme must be pre-approved by Argus): $127, 26 visits per policy year |
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Diabetes Prevention Programme (Programme must be pre-approved by Argus):
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Diabetes Reversal Programme:
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Annual Foot Exam: $150, maximum 1 exam per policy year For persons with type I or II diabetes or diabetic neuropathy |
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| Allergy testing: Our Fee Schedule, $600 per lifetime |
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| Allergy Injections: $20 per injection and serum combined |
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| Annual Health Exam: Maximum 1 exam per policy year
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Annual Specialist / Gynaecologist Exam (all ages): $325, 1 exam per policy year |
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| Routine Diagnostic Testing in conjunction with Annual Exams: Bermuda Fee Schedule |
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| Well-Baby Routine Health exam (under 2 years): $107 |
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| Annual Eye Exam: $115, maximum 1 exam per policy year Routine Diagnostic Testing in conjunction with Annual Eye Exam (Provider must be approved by the Bermuda Health Council): $200 per policy year |
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| Immunisations and Injections: $30 per injection |
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| Diagnostic Services in Private Testing Facilities: Includes Genetic Testing (Must be pre-approved by Argus): covered by approved fee schedule. |
General Practitioner
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Specialist
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In Office Medical / Surgical Treatment Bermuda Fee Schedule |
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| Physical Medicine and Supplementary Therapies: Manipulations, Speech Therapy, Chiropractic, Osteopathy:
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| Chiropody / Podiatry: $70, maximum 12 visits per policy year |
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| Behavioural Therapies for Autism Spectrum & Attention Deficit Disorders (Must be pre-approved by Argus): Individual and family applied behavioural therapies 100% of billed charges, $2,500 maximum per policy year |
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Complementary Alternative Therapies:
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| Psychiatrist: $180 Clinical Psychologist/Group Therapy Session: $130 Counselling:
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| Sclerotherapy: Bermuda Fee Schedule $1,000 per policy year |
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| Lymphedema Treatment: $110, 28 visits policy year |
| Major Medical Benefits are applicable to overseas treatment and services. Eligible Expenses are payable at a percentage of the lesser of Usual and Customary Charges or Discounted Rates. |
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| Maximum benefit for Employees and eligible Retirees: Unlimited |
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| Dependent Children over age 19 and under age 26 who are not fulltime students: Unlimited per one 12-month period |
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| Emergency Treatment: Insured calls Argus Health within 48 hours of incident: 100% Coinsurance Insured does not contact Argus Health within 48 hours of incident: 80% Coinsurance |
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| Treatment not Available in Bermuda: Argus Pre-Approves and treatment is obtained in Argus Network: 100% Coinsurance Argus does not Pre-Approve / treatment not in Argus Network: 80% Coinsurance |
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| Treatment Available in Bermuda: Argus Pre-Approves and treatment is obtained in Argus Network: 100% Coinsurance Argus does not Pre-Approve / treatment not in Argus Network: 80% Coinsurance |
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| Neonatal Treatment: Charges related to neonatal, congenital birth defects and high-risk pregnancy will only be payable at 100% if they are pre-approved and treatment is obtained within the Canadian Argus Network; otherwise, benefits are payable at 80% |
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| Spinal Treatment: Charges related to spinal care, services and treatment will only be payable at 100% if they are pre-approved and obtained within the Argus Spinal Care Network; otherwise, no benefits are payable |
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| Paediatric Assessment of Autism Spectrum & Attention Deficit Disorders: Charges related to paediatric assessment of autism spectrum and attention deficit disorders will only be payable at 100% if they are pre-approved and obtained within the Argus Preferred Provider Network; otherwise, benefits are payable at 80% |
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The following services are eligible for airfare and accommodation and must be pre-approved by Argus in order to receive maximum reimbursement. Airfare and accommodation are only eligible for Psychiatric and Substance Abuse services, Emergency Treatment and Treatment which is not available in Bermuda: |
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| Inpatient Care: Semi-private accommodation |
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| Intensive Care, Outpatient and Emergency Care: Unlimited |
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| Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care: Unlimited |
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| Physician Services - Home or Office Visit: Unlimited |
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| Rehabilitation / Skilled Nursing Facility: Semi-private up to 60 days per policy year |
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| Home Health Care Unlimited |
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| Transplant Services: Unlimited |
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| Psychiatric Hospital or Substance Abuse Treatment Facility (must be pre-approved by Argus in order to be eligible): $850 x 45 days $38,250 maximum per policy year |
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| Psychiatric Professional Services (must be pre-approved by Argus in order to be eligible): $4,000 per policy year |
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Hotel or Rental Accommodation:
Commercial Economy Airfare (excludes preferred/priority seating and baggage fees): Combined Maximum with Hotel or Rental Accommodation: $30,000 per policy year |
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| *Benefits for a travelling companion are approved in the following circumstances: When the Insured Person is a minor Dependent Child, or has surgery or mental incapacity or otherwise requires a travelling companion due to medical necessity, subject to medical documentation and pre-approval by Argus. |
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The following services must be pre-approved by Argus in order to be eligible: |
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| Ground Ambulance and Air Ambulance: Unlimited |
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| Air Ambulance Return to Bermuda: Based on Medical Necessity |
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| Behavioural Therapies for Autism Spectrum & Attention Deficit Disorders: Individual and family applied behavioural therapies 100% of billed charges, $2,500 maximum per policy year |
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| Genetic Testing: Unlimited |
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| Repatriation of remains: $10,000 for return of remains |
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The following services are payable at 100% of the lesser of Usual and Customary charges or Discounted Rates:*** |
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| Voluntary Annual Health Exam and related Diagnostic Testing: $2,000 per policy year |
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| Physical Medicine and Supplementary Therapies: (Nutritional/Diabetic, Asthmatic, Audiologic and Allergy Counselling Services, Well-baby Care, Immunisations and Injections, Allergy Testing, Annual Eye Exam, Physical and Occupational Therapy, Chiropractic, Osteopathy, Chiropody, Podiatry, Speech Therapy) $3,360 combined maximum per policy year |
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| Complementary Alternative Therapies: (Massage and Acupuncture) $350 combined maximum per policy year |
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| ***Airfare and accommodation do not apply to these services, consultations and 2nd opinions. |
| Supplementary Miscellaneous Benefits are applicable Worldwide.** Hearing Aids, Surgical Support Hose, Surgical Brassieres, Wigs, Orthotics: 80% | $4,000 combined maximum every 5 policy years |
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| Prosthetic Devices and Appliances: 80% | $25,000 maximum per lifetime |
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| Durable Medical Equipment, Accidental Dental Services and Cardiac Rehabilitation/Exercise Programme, Medical/Surgical Supplies: 80% of usual and customary charges **Airfare and accommodation do not apply to Worldwide Treatment and Services |
| Vision Care Benefits are applicable Worldwide.** Prescription Eye Glasses or Contact Lenses: $400 per policy year payable at 100% |
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| Elective Surgical Treatment for Vision Correction: $2,000 per lifetime payable at 100% **Airfare and accommodation do not apply to Worldwide Treatment and Services |
| Dental Benefits are applicable Worldwide.** Benefits are payable in accordance with the Bermuda Dental Fee Schedule. Please obtain a pre-estimate of benefits from your dentist prior to undergoing extensive dental procedures. Basic Dental Services (DE01): Preventive and Diagnostic: 100% of Fee Schedule Policy Year: Unlimited Lifetime: Unlimited |
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| Exams, Consultations, Polishing, Scaling or Root Planing, Fluoride: 100% of Fee Schedule Policy Year: $1,400 Lifetime: Unlimited |
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| Surgical and Minor Restorative: 100% of Fee Schedule Policy Year: Unlimited Lifetime: Unlimited |
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| Endodontics: 100% of Fee Schedule Policy Year: Unlimited Lifetime: Unlimited |
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| Periodontics: 50% of Fee Schedule Policy Year: $2,000 Lifetime: Unlimited |
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Major Restorative Services (DE02): 50% or 80% of Fee Schedule Policy Year: $4,000 Lifetime: Unlimited |
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Orthodontic Services (DE03): Only Insured Persons up to age 19 are covered 50% of Fee Schedule Policy Year: N/A Lifetime: $3,000 **Airfare and accommodation do not apply to Worldwide Treatment and Services |
| Prescription Benefits are applicable Worldwide.** Prescription Drugs, Birth Control, Medicines and Sera available only by prescription: 80% for brand name drugs 100% for generic drugs **Airfare and accommodation do not apply to Worldwide Treatment and Services |
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