Copayments and Deductibles After you meet your deductible, Blue Shield Life pays 80% of the allowable amount (up to $5,000) for covered services, except outpatient psychiatric care. Blue Shield Life pays 100% of the allowable amount for covered services in excess of $5,000.

Please note that Blue Shield Life pays only 50% for outpatient psychiatric care. (See Covered Expenses.)

In addition to your plan deductible, you will have to pay an emergency room copayment of $50 per visit for treatments that are not related to an injury. This copayment does not apply to inpatient admissions. Deductibles Waived for Accidents If you have an accident while your policy is in force, we will waive your plan deductible and emergency room copayment for covered charges.

Extended Benefits

When coverage ends, if you are totally disabled from an illness or injury that began while your coverage was in effect, you are eligible for an extension of benefits. You may receive benefits for a period equal to the number of months the policy was inforce - but no more than 90 days beyond the policy's termination date. For example, if your coverage was in effect for six months, you could receive 90 days worth of coverage after the policy ends.

This extention does not apply to a condition related to pregnancy.

Maximum Benefit You and each of your enrolled family members are covered for a maximum benefit of $2 million during the policy term.

Additional Benefit

Your plan also includes Blue Shield Life's $50,000 Accidental Death and Dismemberment Insurance Benefit. (This is only available to applicants over age 19.)