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Promotional Folder and Application Form for Apr. 1-30, 1964, Open

Enrollment

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MAJOR MEDICAL

HEALTH INSURANCE BENEFITS
FOR

New York State
Residents 65 and Over

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This New, Low-Cost Insurance Plan Could Save You Thousands of Dollars In Doctor, Surgical and Hospital Bills

Here's your chance to take advantage of the
unique health insurance provided by New
York 65-the new, low-cost program for
people over 65, offered as a public service by
a non-profit Association of 49 leading insur-
ance companies serving New York State.

New York 65 provides Basic hospital-surgi-
cal-medical benefits, and under a separate
Major Medical plan offers broad benefits be-
yond basic coverage to give vital protection
against the expenses of prolonged illness or
serious accident. Either of these plans may
be obtained separately, or in combination.

As you'll see below, New York 65 has brought
individuals over 65 (or their sons and daugh-
ters) substantial protection against doctor
and surgical bills and hospital and convales-
cent nursing home charges. In total, through
the end of 1963, the Plan has issued almost
50,000 claim payment checks for more than
$10 million to some 24,000 beneficiaries.
This folder outlines the principal benefits of
New York 65. Please read it carefully. Then
see your Agent or Broker for full details and
help in enrolling. There is no additional
charge for his services.

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Every Day Brings Letters Like These From Grateful Participants in New York 65

Here are excerpts from letters received by New York 65 from people who have participated in the Plan's benefits. They are entirely unsolicited, and give most eloquent testimony to the critical need now fulfilled by New York 65.

"A million thanks for the financial aid you have rendered through these trying months and we shall ever be grateful to the wonderful New York 65 Plan." S.M.

"This insurance has been the most fabulous insurance policy I have ever heard of. Since my mother had no income & I was responsible for payment, this insurance has kept me out of the poor house. I do not know how I would have ever made all the hospital & doctor bill payments by myself, since I have a family of my own." O.J.D.

"Thank you very kindly for your prompt and thoughtful consideration of this claim. I have nothing

but the greatest praise for your service and will without reservation recommend New York 65." P.N., M.D.

"The benefits we received under New York 65 were a great help to us during my mother's illness. We would not have been able to do without New York 65." J.E.

"While this coverage has been indeed, a great help at a difficult time, it served a far greater need, the sense of security and peace of mind that it gave mother when we told her about it as she lay in her hospital bed, concerned about things which she shouldn't have been even thinking about." B.A.F.

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These special features
highlight New York 65 benefits

• No medical examination.

The husband or wife (regardless of age) of an enrollee may enroll in New York 65 at the same time.

Sons and daughters may enroll their eligible parents without requiring them to sign the application. In fact, anybody may enroll any eligible person.

. New York 65 Major Medical is especially important for sons and daughters. Catastrophic major medical expenses could fall upon them disastrously even though their parents may already have basic hospital or medical coverage.

The Major Medical plan pays benefits for hospital or convalescent nursing home charges up to $3600 for each confinement . . . and in addition pays lifetime benefits up to $10,000 for doctor bills and many other medical expenses.

• You can keep New York 65 if you move out of the State and continue to live in the U.S. or Canada.

You have 10 days after receiving your Certificate Booklet to decide whether you are satisfied with New York 65. If not, you may return the booklet and your money will be refunded in full.

The Association may modify or discontinue the New York 65 Program, but your coverage cannot be modified or cancelled, nor your premiums increased, unless similar action is taken for all persons enrolled for the same plan.

HOW NEW YORK 65 WORKS - HOW
HOW THE MAJOR
MEDICAL PLAN EXPANDS BASIC PROTECTION
TO HELP PAY REALLY BIG MEDICAL BILLS

New York 65 Major Medical provides health
insurance against the big medical and hospital
bills incurred by a serious accident or illness-
bills above and beyond those normally covered by
basic hospital-surgical-medical plans. It's offered
as a vital addition to any basic plan.*

This is how the Major Medical works, assuming you have New York 65 Regular Basic:

After the Basic has paid room and board benefits
for the first 31 days, New York 65 Major Medical
picks up and extends this benefit. After benefits
for miscellaneous hospital charges up to $150
have been paid by the Basic, the Major Medical
begins to pay 80% of additional such charges of
this type.

And after the Basic has paid benefits for 31 days
of convalescent nursing home care, New York 65
Major Medical steps in to extend this benefit
through another 60 days.

The Major Medical plan pays benefits for these
hospital and convalescent nursing home charges
up to $3,600 for each confinement.

New York 65 Major Medical also provides
Other Medical Expense Benefits for doctor bills,
nursing services, drugs, X-Rays, etc. The plan
starts paying for these charges after you pay a
yearly $75 cash deductible and after the pro-
gram's Basic benefits, or their equivalent, have
been used up. New York 65 Major Medical then
pays 80% of such benefits, up to $10,000 over
your lifetime.

*You are eligible for the Major Medical plan alone, whether or not you have Basic coverage. However, if you do not have basic hospital-surgical-medical coverage, or if your coverage is not at least equal to New York 65 Regular Basic benefits, you should be prepared to meet the equivalent of such benefits out of your own pocket.

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