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Product Highlights
Guaranteed issue
No waiting period
No pre-existing conditions
Family insurance available
Employees can present a TransConnect® ID card along with their group medical ID card to the medical service provider

James chose to help offer financial protection to the employees of his marketing services company as a result of the group's new $3000 deductible on their major medical plan. When his top employee, Andrea, went to the hospital to have her baby she presented her major medical ID card and TransConnect ID card. As a result, she received first dollar inpatient benefits toward her deductible and co-insurance amount.

TransConnect® pays three separate benefit amounts for out-of-pocket expenses of deductibles, co-insurance and co-payments for charges from your group or another group's comprehensive medical plan. A benefit amount from $500 - $10,000 can be selected by the employer for all employees.

InPatient Hospital Benefits

Benefits paid for out-of-pocket medical services:

  • Inpatient hospital stays
  • Inpatient procedures
  • Inpatient physician charges

Plus, routine nursery care for dependent children. The total inpatient hospital benefit for an insured is the amount selected by the employer for a calendar year. The total inpatient hospital benefit for a family will be three times the selected amount for a calendar year.

Ambulance Benefit

This benefit is payable up to $350 when an insured requires ambulance transportation (ground or air) to a hospital or emergency center for injuries sustained in an accident. Ambulance transportation must be within 72 hours of the accident and must be provided by a licensed professional ambulance company.

Outpatient Hospital Benefits

Benefits paid for out-of-pocket medical services:

  • Outpatient surgery performed in a hospital facility or a free-standing surgery center.
  • Outpatient surgery performed in a physician's office (up to $100 benefit).
  • Radiological diagnostic testing including MRIs, CT scans, PET scans, diagnostic ultrasounds and Electrocardiogram (EKG) tests. (x-rays and lab fees are not included)
  • Treatment in a hospital emergency room or urgent care center for an injury due to an accident (emergency room charges for sickness are claims-eligible if the insured is admitted to the hospital.)


An employee must be actively employed qualifying as an eligible insured (defined by the employer) and covered under an employer's basic, major medical or comprehensive medical plan.

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This is a brief summary of TransConnect® Out-of-pocket medical expense insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CP201200 and CC200200. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and Exclusions apply. Refer to the policy, certificate and riders for complete details.