Nemwil Plus Health Plan

First Choice Plan is underwritten by Guardian Life of the Caribbean Limited and is a comprehensive worldwide medical plan designed to meet your individual needs. This plan is designed to cover your medical expenses on an 80% co-insurance basis, with you paying 20% of the overall expenses, subject to certain lifetime and annual limits.

Your Benefits

General Benefits

  • Low maximum co-insurance
  • Ground and air ambulance benefit
  • Access to PPO Network US and Worldwide (www.BeechStreet.com)
  • Access to Trinidad Preferred Provider Network Guardian Group (Trinidad)
  • Access to Jamaica Preferred Provider Network Guardian Group - Jamaica)
  • Access to Barbados Preferred Provider Network Guardian Group (Barbados)
  • Maximum Lifetime Limit of $1,000,000 (Amount the policy will pay during an Insured’s life span)
  • Claims payments to providers within the PPO network (24/7 contact numbers/ Important Details to note on your ID Card)
  • Conversion Policy – allowing you to convert from a group plan to an individual Plan
  • Local payment of claims
  • Psychiatric Care, Substance Abuse and Mental Illness Treatment
  • Durable Medical Equi

Medical (Physician and Hospital)

  • Savings on office visits and medical services, ranging from routine surgery and diagnostic tests
  • Medical services include pediatric care, well baby, checkups, treatment of chronic illnesses, OB-GYN services and much more
  • A national network of approximately 600 general practitioners and specialists, facilities and hospitals. Check Find a Provider for participating providers near you

Prescription Drugs

  • Savings on both brand name and generic drug prices
  • Access to a network of participating pharmacies, including most major chains. Check Find a Provider for participating pharmacies near you

Dental

  • Major dental care including diagnostic, preventive care, basic restorative and major replacement
  • Certain orthodontic work may also be covered

Vision

  • Annual Examination, contact lenses, frames and single vision lenses.

Chiropractic

  • Covered medical expenses for Chiropractic services are limited to the amount per treatment shown in the Certificate Schedule of Benefits.

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