Eligibility Requirements

All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;

All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they apply from a state listed below or;

An employee of a U.S. company, whereby the company is domiciled in a state listed below and the company pays the insurance premium.

Medical Benefits underwritten by BCS Life Insurance Company

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming

Coverage may not be available in all states

If you live in any other U.S state, please contact your agent directly or HTH Worldwide.

Eligible Family

Family members included in the plan must be Eligible Dependents. An Eligible Dependent means a person who is the Eligible Participant's spouse age 74 or less and/or:

  • unmarried natural child, stepchild or legally adopted child who has not yet reached age 26;

A person may not be an Insured Dependent for more than one Insured Participant.