Geo Group - International Group Health Insurance

Professionally trained multilingual claims administrators with proven international experience
Claims processed via automated international claim system with over 99% accuracy
Claim inquiries, status of claim information and reimbursement options available by phone, fax and email
Experienced international currency conversion
Translation of bills and claim information from foreign languages; claim forms available in multiple languages
Claim reimbursement directly to provider or insured via check, direct deposit to U.S. bank account, or electronic transfer to international account
Verification of benefits and explanation of benefits to providers
Large case management

GROUP MEDICAL SUMMARY

GEO Group covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment.

SCHEDULE OF BENEFITS	BENEFIT DESCRIPTION
Coverage Area	Worldwide
Rate Guarantee	Initial 12 months
Maximum Lifetime Benefit Per Person	Up to $5,000,000
Deductible (Calendar Year)	$0 - $25,000 Deductible is reduced by 50% when using U.S. independent PPO (Maximum 2 or 3 per family)
Coinsurance Percentages: • Medical expenses incurred outside the U.S. & Canada • Medical expenses incurred in the U.S. using the PPO • Medical expenses incurred in the U.S. and Canada outside the PPO	Plan pays 100% of eligible charges after deductible Plan pays 100% of eligible charges after deductible Plan pays 80% up to $5,000 of eligible charges after deductible; thereafter Plan pays 100% of eligible charges
Independent US Preferred Provider Network	Provided through The First Health Network
Physician Office Services: • Adult Wellness Benefit • Child Wellness Benefit • Illness or Accident Benefit	Plan pays up to $250 per calendar year Plan pays up to $150 per calendar year Subject to deductible & coinsurance
Hospital Services: • Inpatient & Outpatient • Emergency Room • Injury • Illness	Subject to deductible & coinsurance Subject to deductible & coinsurance Subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital
Maternity Coverage (not available until there have been 10 months of continuous coverage) • Pre-natal care - Delivery of Newborn - Post-Natal Care • Newborn Baby Care (Well-Baby)	Covered as any other illness Subject to deductible & coinsurance Routine care for first 31 days of life
Other Services: • Chiropractic Care • Durable Medical Equipment • Eligible Medical Expenses • Emergency Medical Evacuation • Emergency Reunion • Home Health Care & Extended Care Facility • Human Organ Covered Transplants • Local Ambulance • Physical Therapy • Prescription Drugs • Return of Mortal Remains • Supplemental Accident Benefit • Complementary Medicine	$25 per visit, maximum of 20 visits per policy period Subject to deductible & coinsurance Subject to deductible & coinsurance Up to maximum lifetime benefit per person $10,000 (lifetime maximum benefit) Subject to deductible & coinsurance $1,000,000 lifetime maximum inside transplant network facilities Subject to deductible & coinsurance $50 maximum benefit per visit Subject to deductible & coinsurance $25,000 per insured person (return to home country) $300 benefit per accident, deductible & coinsurance thereafter Acupuncture - $150;Aroma Therapy - $50; Herbal Therapy - $50; Magnetic Therapy - $75; Massage Therapy - $150; Vitamin Therapy - $100
Vision Benefit: • Exams • Materials (frames, lenses, contacts)	Plan pays up to $100 per 24 months Plan pays up to $150 per 24 months
Mental/Nervous Disorders, Alcohol & Substance Abuse (Not available until there have been 12 months of continuous coverage)	Covered to $10,000 per policy period, $20,000 lifetime
Certificates of Creditable Coverage for Pre-Ex Conditions	Optional for US employers
Medical Insurance Continuation	Available as required by US law, when applicable

The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request.

SUPPLEMENTAL INSURANCE PROGRAMS

As a complement to the medical benefits, GEO^SM Group offers the following supplemental insurance programs.

TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

(Required on groups with 20 or fewer employees)

This coverage is underwritten by International Medical Insurance Company^SM and administered by International Medical Group^®, Inc. Groups with 20 or fewer employees will be required to purchase the Term Life and AD&D along with the medical. You may select from the following Principal Sum Plans for Term Life Insurance:

$10,000 per employee
$25,000 per employee
$50,000 per employee
1 x annual salary, minimum $10,000, maximum $100,000^*
2 x annual salary, minimum $10,000, maximum $100,000^*
3 x annual salary, minimum $10,000, maximum $100,000^*
*Higher amounts are available and are subject to full medical underwriting and approval.

AD&D benefits will be paid according to the following schedule:
Loss of Life - Principal Sum
Loss of Two Members - Principal Sum
Loss of One Member- 50% of Principal Sum

DAILY INDEMNITY INSURANCE

Hospitalization often creates additional financial pressures for employees. GEO Group will pay $100 per day directly to the employee in the event of a covered hospitalization. Hospitalization due to maternity is excluded.

OPTIONAL GROUP DENTAL INSURANCE

	PLAN I	PLAN II	PLAN III
Calendar Year Maximum, per person	$1,000	$1,000	$1,500
Individual Deductible	$50	$50	$50
Family Deductible	$150	$150	$150
Schedule of Benefits
Class I, Diagnostic, Preventive Emergency Palliative Treatment Not subject to deductible	100%	100%	100%
Class II, Basic Service X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia	80%	80%	80%
Class III, Major Services Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)	50%	50%	50%
Orthodontia	0	50%	50%

EMERGENCY TRAVEL ASSISTANCE

In addition to medical benefits, GEO Group also provides the following emergency travel services:

Emergency Travel Arrangements
In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness of your spouse, child, parent, in-law, or grandparent, IMG will help you make the appropriate travel arrangements.You are responsible for the cost of the travel tickets.
Lost Passport/Travel Documents Assistance
IMG will help you report, retrieve or replace lost or stolen travel documents, such as your passport, credit cards and airline tickets.
Lost Luggage Assistance
IMG will assist you in communicating with the commercial carrier for the return of your lost luggage.
Embassy or Consulate Referral
IMG will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.
Emergency Message Relay
IMG will receive or transmit emergency messages between you, your family, and your employer.
Emergency Prescription Replacement
IMG will assist with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs (if any).
Medical Referral
If urgent medical advice or care is needed, IMG is prepared to refer you to the nearest appropriate care facility or provide a listing of available medical care to you. IMG will also help with obtaining an appointment with the medical care provider you have chosen.
24-Hour Medical Monitoring
If you are hospitalized, IMG will provide medical professionals to communicate with your treating doctor(s) and help you monitor your condition. IMG can also communicate with your family doctor as you direct.
Emergency Cash Transfer
IMG will help you transfer your funds, up to US$500, in the event of a medical or travel emergency.
Legal Referrals
IMG will provide you with a referral to the nearest attorney.
Emergency Translations
IMG will provide personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.

U.S. INDEPENDENT PPO NETWORK

GEO Group members may seek treatment worldwide, including in the United States, with any hospital or doctor. When seeking treatment in the U.S., members may use the independent Preferred Provider Organization (PPO), a separately-organized network of approximately 500,000 physicians and 4,700 privately owned and operated hospitals contracted by IMG.* This PPO network includes approximately 67% of all the hospitals in the U.S., including some of the most well-recognized university medical centers and transplant facilities. Using this provider network could significantly reduce out-of-pocket expenses.The individual deductible will be reduced by 50%, and any coinsurance applicable to that charge is waived when eligible treatment is received from a network provider. A list of participating providers can be found at the provider directory.

Network providers are listed by location and specialty.

*All PPO providers are contracted separately through First Health Group Corp.

EXCLUSIONS

The following is a summary of items that are not covered under GEO Group:

Treatment, services or supplies that are not administered or ordered by a licensed physician
Treatment, services, or supplies that are not medically necessary
Charges that exceed Usual, Reasonable, and Customary charges
Surgeries or treatments that are investigational, experimental, or for research purposes
Confinement primarily for custodial, educational or rehabilitative care
Weight modification or treatment for obesity
Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery
Treatment for a person who was HIV+ prior to the person's effective date
Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
Hearing aids
TMJ dysfunction
Injury sustained from Hazardous Sports activities
Injury sustained while under the influence of alcohol or drugs
Self-inflicted injury or illness
Pre-existing conditions
Charges resulting from or during the commission of a crime or felony
Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy
Services or supplies performed or provided by a relative
Orthoptics and visual eye training
Certain care, treatment or supplies for the feet
Care and treatment for hair loss
Exercise programs
Injury that happens during work for pay or profit or covered under workers' compensation or similar law
War and terrorism (limited "innocent bystander" coverage is included)

See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.

Plan Administrator

International Medical Group is a worldwide leader in designing, distributing and administering global healthcare benefits. Since 1990, IMG has built a solid reputation by providing medical security to hundreds of thousands of individuals, families and groups in more than 150 countries.

Due to their many years of experience in the international market, IMG can recognize and alleviate the traditional limitations of language, currency, time zones, and culture that face our clients. IMG is proud to provide true Coverage Without Boundaries^®.

IMG's clients include international vacationers, business executives and consultants, missionary groups, expatriates, professional entertainers and athletes, government entities, schools and universities, professional marine captains and crew, and local and third country nationals. Our complete portfolio of products allows them access to worldwide quality healthcare and IMG's superior customer service.

Coverage Without Boundaries is IMG's corporate philosophy. Whether in their country of residence or traveling abroad, whether permanently relocating or taking a short trip, IMG's clients trust IMG as their single resource for all of their health insurance needs. They can feel secure knowing that they are covered throughout the world, 24 hours a day.

Plan Underwriter

Plan Underwriter When deciding which company will insure your health, there are many important factors to consider. In addition to comprehensive benefits and experienced administration, there must be the commitment and financial stability of an established international insurance company.

While IMG provides complete plan administration expertise, our globally-recognized underwriter, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers. Rated A (excellent) by A.M. Best and A- by Standard & Poor's*, Sirius International shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company. Sirius International is a White Mountains Re company.

Growing year by year, expanding globally, building upon a solid reputation, remaining stable but never standing still - these characteristics make IMG and Sirius International the team to choose for your Global Peace of Mind^®.

*Sources: A.M. Best affirmed their rating in a press release dated July 11, 2005; Standard & Poor's affirmed their rating in a press release dated November 19, 2004. Ratings are accurate as of the date of printing and are subject to change.

Please refer to the certificate wording for specific terms, conditions and other details regarding the benefits, limitations, eligibility and exclusions outlined in this booklet. Certificate wording is available upon request prior to purchase. The summary description of coverages, benefits and eligibility in this brochure is accurate at the date of printing, subject to the terms of the plan. Any updates or changes made subsequent to printing will be included in the fulfillment kit sent upon approval of your application, and/or from time to time thereafter.

PLAN DESIGNS

GEO GROUP	#1 - Standard Plan	#2 - Modified Plan	#3 - Basic Plan	#4 - Hospital Plan
Cost Rating	Standard Rates	Cost savings from Plan #1: 20%	Cost savings from Plan #1: 46%	Cost savings from Plan #1: 54%
Benefit Description	Schedule of Benefits	Schedule of Benefits	Schedule of Benefits	Schedule of Benefits
Coverage Area (Choice of Worldwide or excluding the US & Canada)	(1) Worldwide (2) US/Canada excluded (17% savings)	(1) Worldwide (2) US/Canada excluded (17% savings)	(1) Worldwide (2) US/Canada excluded (17% savings)	(1) Worldwide (2) US/Canada excluded (17% savings)
Maximum Lifetime Benefit	Any amount up to $5,000,000	Any amount up to $5,000,000	Any amount up to $5,000,000	Any amount up to $5,000,000
Deductible (Calendar Year)	$0 to $10,000	$0 to $10,000	$0 to $10,000	$0 to $10,000
Coinsurance Percentages
Outside the U.S. & Canada	100%	100%	90% to $10,000; 100% thereafter	90% to $10,000; 100% thereafter
In the U.S.; using 1st Health PPO	100%	100%	80% to $10,000; 100% thereafter	80% to $10,000; 100% thereafter
In the U.S.; outside 1st Health PPO	80% to $5,000; 100% thereafter	80% to $5,000; 100% thereafter	70% to $10,000; 100% thereafter	70% to $10,000; 100% thereafter
In Canada	80% to $5,000; 100% thereafter	80% to $5,000; 100% thereafter	70% to $10,000; 100% thereafter	70% to $10,000; 100% thereafter
Physician Office Services:
Adult Wellness ^*	$250 per Year^*	$250 per Year^*	NOT COVERED	NOT COVERED
Child Wellness ^*	$150 per Year^*	$150 per Year^*	NOT COVERED	NOT COVERED
Illness or Accident	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	NOT COVERED
Hospital Services:
Inpatient	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum
Outpatient	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	Deductible & Coinsurance; continuation from hospital stay only
Emergency Room (Sickness: additional $250 deductible required when hospitalization not required)	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	NOT COVERED
Maternity Coverage	Covered to plan maximum	Covered to plan maximum	NOT COVERED	Covered to plan maximum
Other Services:
AIDS and related diseases	Covered to plan maximum	$25,000 Lifetime Maximum	NOT COVERED	NOT COVERED
Chiropractic Care *	Up to $25 per visit^*	NOT COVERED	NOT COVERED	Up to $25 per visit^*
Chronic Conditions	Covered to plan maximum	$50,000 Maximum Lifetime Benefit(60 days annual max)	$50,000 Maximum Lifetime Benefit(60 days annual max)	$50,000 Maximum Lifetime Benefit(60 days annual max)
Complementary Medicine	Annual Maximums: Acupuncture $150 Magnetic Therapy $75 - Herbal Therapy $50 Massage Therapy $150 - Aroma Therapy $50 - Vitamin Therapy $100	Annual Maximums: Acupuncture $150 Magnetic Therapy $75 - Herbal Therapy $50 Massage Therapy $150 - Aroma Therapy $50 - Vitamin Therapy $100	NOT COVERED	NOT COVERED
Durable Medical Equipment	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	NOT COVERED
Emergency Medical Evacuation^*	Covered to plan maximum^*	$25,000 Maximum Lifetime Benefit^*	NOT COVERED	$25,000 Maximum Lifetime Benefit^*
Emergency Reunion	$10,000 Lifetime Maximum	$5,000 Lifetime Maximum	NOT COVERED	see Emergency Medical Evacuation benefit^*
Human Organ Transplants	$1,000,000 Maximum Lifetime Benefit	$250,000 Maximum Lifetime Benefit	NOT COVERED	$250,000 Maximum Lifetime Benefit
Local Ambulance	Covered to plan maximum	Covered to plan maximum	Covered to plan maximum	NOT COVERED
Physical Therapy	Up to $50 per visit	Up to $50 per visit	NOT COVERED	Up to $50 per visit
Return of mortal remains^*	$25,000 Maximum^*	$10,000 Maximum^*	NOT COVERED	see Emergency Medical Evacuation benefit^*
Supplement Accident	Up to $300 - Deductible & Coinsurance after	NOT COVERED	NOT COVERED	NOT COVERED
Prescription Drugs: outside US/Canada	Covered to plan maximum	Covered $2,500 Annual maximum	Covered to $1,500 Annual maximum	Covered to plan maximum
Prescription Drugs: in US/Canada	Paid at 80% after Deductible	Paid at 80% after Deductible	Paid at 70% after Deductible	Paid at 70% after Deductible
Vision Benefit:^*
Exams^*	Up to $150 per 24 months^*	NOT COVERED	NOT COVERED	NOT COVERED
Materials^*	Up to $100 per 24 months^*	NOT COVERED	NOT COVERED	NOT COVERED
Mental/Nervous/Alcohol/Substance	$10,000 Maximum per year $20,000 Maximum per lifetime	NOT COVERED	NOT COVERED	NOT COVERED
Most benefits are subject to an Annual Deductible and any applicable Coinsurance. An asterisk (*) means that the benefit is NOT subject to the Deductible & Coinsurance. Plan Descriptions: #1 is the standard GEO Group plan design which is illustrated in the GEO Group brochure; #2 & #3 are lower cost variations of the standard GEO Group plan design #4 is a 'Hospital Only' plan with certain outpatient benefits limited to continuation after a hospital stay. Other plan variations are available upon request. This is only a Summary of Benefits. Refer to Certificate of Coverage for plan details.