Become a MemberContact Us

ECU’s Group Health Plan

Pursue Wellness with Unshakable Confidence.

Quality Healthcare Within Reach

At Eastern Credit Union, your well-being is our priority. That’s why we’ve partnered with Guardian Life to offer our members exclusive access to the LifeCare Provisor Plan – ensuring you can access the best healthcare services when you need them most.

Imagine having seamless access to one of the largest networks of trusted doctors and facilities (over 800 Preferred Providers!) with minimal upfront costs and no claim forms for network services. This plan is designed for your convenience, even allowing you to use practitioners outside the network if needed.

Let us help safeguard you and your loved ones against unexpected high medical costs. This plan is provided through Guardian Life of The Caribbean Ltd, a company rated A-Excellent by AM Best, reflecting a commitment to reliability and service you can trust.

Quality Healthcare Within Reach

  • Comprehensive Care: Feel secure knowing your coverage includes doctor/specialist visits, hospital stays, surgery, prescriptions, diagnostics, and more, up to $250,000 per benefit period.
  • Extensive Provider Access: Easily connect with over 800 Preferred Providers for quality care with reduced out-of-pocket expenses. Options for out-of-network care provide flexibility.
  • Focus on Prevention: We support your long-term health with coverage for annual check-ups, important screenings (like Mammograms, Pap Smears, Prostate tests), and essential child immunizations.
  • Holistic Well-being: Your plan includes valuable support for Dental Care, Vision Care, Maternity needs, Mental Health services, and Emergency care for comprehensive protection.

Why Choose ECU’s Group Health Plan?

  • Financial Shield: Helps protect your savings by covering significant medical costs, letting you focus on recovery, not bills.
  • Effortless Access: Connects you easily to a vast network of healthcare professionals across the region, ensuring quality care is always within reach.
  • Complete Peace of Mind: Rest easier knowing you have broad coverage, including preventative services, dental, and vision care, supporting your family’s health journey.
  • A Partnership You Can Trust: Benefit from the strength and reliability of Guardian Life, part of the top-rated Guardian Group, working alongside ECU for your well-being.

Schedule of Benefits

Download Brochure
Overall Plan Details:
  • Maximum Benefit: $250,000.00 (Members to Age 59 & Members 60 and Over)
  • Maximum Age For Enrolment: Fifty-Nine (59)
  • Benefit Period: 3 Years (Members Up to Age 59), Lifetime (Members Aged 60 and Over)
  • Pre-Existing Conditions: Not Covered in the first 12 months
  • Deductible Per Calendar Year: $300.00 per person (Members Up to Age 59), $500.00 per person (Members Aged 60 and Over)
  • Co-Insurance: 80%-20% (Unless otherwise stated, based on FAQ info )

Comprehensive Major Medical Benefits

Filters
Reset

Medical Services (Subject to Co-Insurance & UCR unless noted)

Doctors’ Visits

  • Office Maximum: $300.00
  • Hospital/Home Maximum: $350.00
  • Maximum Per Disability: 1 Visit Per Day

Specialist’ Visits:

  • Office Maximum: $400.00
  • Hospital/Home Maximum: $500.00
  • Maximum Per Disability: 1 Visit Per Day

Psychiatric & Psychologist Services

  • Visit Maximum: $350.00
  • Calendar Year Maximum: 20 Visits

Physiotherapy:

  • Visit Maximum: $250.00
  • Calendar Year Maximum: 20 Visits

Acupuncture Benefit

  • Maximum per Consultation: $200.00
  • Calendar Year Maximum: 20 Visits

Note: Must be performed by licensed Physician

Chiropractic Benefit

  • Maximum per Consultation: $200.00
  • Calendar Year Maximum: 20 Visits

Note: Chiropractor must be CATT member & referred by Physician

FAQs

This is the dollar amount of covered expenses for which the Insured is responsible before benefits are payable under the major medical plan. 

Unless otherwise stated under your Major Medical plan, the coinsurance factor is: 80% In Network & 70% Out Of Network up to the Benefit stated in the Schedule of Benefits.

These are charges or fees determined by the Insurer to be the general rates charged by Providers who render or furnish treatments, services or supplies to persons who reside in the same area; and whose injury or illness is comparable in nature and severity.

For example, if a doctor charges $3,000.00 for a surgical procedure and the normal level of fees for the procedure is $2,000.00, then the plan will reimburse you based on the charge of $2,000.00.

All completed claims documents must be submitted to the insurer via email to: [email protected] within 90 days of the date the service was rendered.

Pre-certification is a notification of anticipated or scheduled medical services that is required in advance of the medical treatment. All expenses for surgery must be Pre-certified.

Understanding Exclusions

Pre-Existing Conditions: Conditions that existed before your coverage started are not covered during the first 12 months of your policy (unless a specific exclusion applies). This applies whether you were aware of the condition or not.

Expenses Before Coverage: Costs incurred before your official coverage effective date are not eligible for reimbursement.

Cosmetic Surgery: Procedures considered cosmetic or plastic surgery are generally not covered, unless they are necessary due to an accidental injury that occurred while you were covered under this plan.

Disclaimer: This is a summary of key exclusions. For a complete list of all terms, conditions, limitations, and exclusions, please refer to the official policy document.

Take the Next Step Towards Health Security

With ECU’s Group Health Plan, you’re not just getting insurance; you’re investing in a healthier, more secure future for you and your family. Let’s take this step together.

Please fill out this form and are presentative will contact you.

keyboard_arrow_up