1 If enrolled during a specified enrollment period, health statement is not required.
For new business, not for persons converting or transferring within the plan.
Health statement if applying after original eligibility.

4 Benefits reduced to 30 hospital days.

Benefits reduced from 55 days to 21 days.

Waived for groups of 50 or more with 75 percent participation.

1 No maximum age for groups of 10 or more.

8 Days reduced to 120.

For other than conversion.

10 If enrolled after age 60 must convert to senior citizen plan (65 limited) at age 65.

11 Applies only to groups of less than 25 contracts.

12 Credit is given for prior Blue Cross coverage in satisfying waiting period.

13 Transfer to senior citizen plan (series 65) at age 65.

14 Amount of daily co-pay depends on county of hospital location.

15 Waiting period if employee does not join when first eligible.

16 32 percent of enrollees have unlimited mental coverage; 31 percent have 60 days' mental coverage.

17 41 percent of enrollees have a contract providing 30 days' mental coverage.

18 Health statement required from additions to existing groups subsequent to period
of original eligibility.

19 Will consider postunderwriting as a future cost control mechanism in lieu of future
rate increase.

20 Initial open enrollment period: 6-month waiting period and no health statement. 21 Persons under 65, 120 full days, 245 days at $5; persons 65 to 69, 60 full days; 70 and over, 30 full days.

22 Only if a preexisting condition not disclosed on application but which would have
been ridered if existence had been known.

23 Employees over 64 years of age may enroll in groups of 25 or more employees, where
at least 75 percent of eligible employees are enrolled.

24 May be waived, depending on size of group and percent excluded.

26 Disabled or retarded children are covered as member of family after 19th birthday, if
disability is incurred before 19th birthday.

27 Transfer required due to age-children sponsored dependents 65.

28 Waived for certain accounts such as with employer contributions.

29 Require only name of physician.

30 Care of TB, N and M disorders in specialized hospitals limited to 30 days per life of
certificate and $5 per day after 12-month waiting period.

31 Riders or exclusions issued after the effective date are limited to situations constitut-
ing obvious medical abuse and then only after consultation with the physician. These
are extremely rare.

32 If certificate issued to replace prior certificate, clause of prior certificate re preexisting
conditions applies.

33 Exception: Unmarried children incapable of self-support and who are dependent on
subscriber for over half their support, coverage may be extended to age 25.

34 12 months for associated group subscribers groups not meeting underwriting re-
quirements.

35 In noncontracting hospitals up to $10 per day for 30 days per certificate year. Care
limited to 10 days in contracting hospitals of other BC plans; $60 in noncontracting
hospitals.

30 Extended to age 23 if child is a dependent and is enrolled in an accredited school or
is incapacitated.

37 1 year by administrative practice.

38 21 days per confinement in contracting hospital; $12.50 per week in institutions for these conditions.

39 For small groups there is a 65 maximum.

40 20 percent if charges exceed $125; if charges under $125, $25 deductible. 41 May be removed by rider for groups.

42 Groups under 10-age 65. aged 65 when enrolled.

Groups 10 and over-none. Sponsored dependents

Source: Blue Cross Association.