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iWorker Innovations, LLC, is a Delaware Limited Liability Company with its principal physical location at 110 North Michigan Ave Howell, MI 48843.All references made to iWorker Innovations or iWorker refers to iWorker Innovations, LLC, a Delaware Limited Liability Company with its principal physical location at 110 North Michigan Ave Howell, MI 48843.

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

MEMBER BENEFITS, SOLUTIONS AND PRODUCTS

Membership in IPSE-US will provide you with valuable benefits. You will have access to tools and services that will help you manage your day-to-day finances, tips to achieve long-term saving goals, and insurance solutions* that will help make financial wellness a reality.

About Prudential

The Prudential Insurance Company of America (Prudential) is dedicated to providing benefit experiences that help American workers and Association members create and protect financial wellness. This includes the rapidly growing segment of independent workers who do not have access to the types of traditional employer benefits that play such a critical role in helping Americans realize financial wellness.

Group Insurance coverage is issued to IPSE-US by The Prudential Insurance Company of America, Newark, NJ and distributed by iWorker Innovations, LLC, a Delaware limited liability company. iWorker Innovations, LLC is a subsidiary of iW Holdings, LLC. Prudential Workplace Solutions Groups Services, LLC owns a minority non-controlling interest in iWorker Holdings, LLC. The Prudential Insurance Company of America and Prudential Workplace Solutions Group Services, LLC are businesses of Prudential Financial, Inc. Each company is solely responsible for its own financial condition and contractual obligations. The Booklet-Certificate contains all details, including any exclusions, limitations and restrictions, which may apply. Contract Series 83500

1042358-00001-00

MeMD® provides access to online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD also provides access to online counseling or talk therapy with behavioral health providers; however, therapists cannot write prescriptions. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. The MeMD Service is not a replacement for your primary care physician or annual office check-ups, nor is it a replacement for other treating providers (except in the context of mental and behavioral health services or in the Virtual Primary Care service line where the Provider has explicitly agreed to assume such role). Subject to state regulations, MeMD is available nationwide with providers licensed to practice in your state who use video and/or audio technology.

When medically necessary, MeMD’s providers (except therapists) can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD’s providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

Basic Telehealth Program (Urgent Care & Adult Behavioral Health)

$0 medical (urgent care) visits are capped at three per individual, per month. Each medical (urgent care) visit above the cap will be charged at MeMD’s then-current standard medical (urgent care) visit fee rate, which will be collected at the time of service.

$0 therapy visits are capped at five per individual, per month. Each therapy visit above the cap will be charged at MeMD’s then-current standard therapy visit fee rate, which will be collected at the time of service.

Virtual Primary Care Program (Which includes Virtual Primary Care, Urgent Care and Adult Behavioral Health)

$0 virtual primary care visits are capped at five per individual, per month. Each virtual primary care visit above the cap will be charged at MeMD’s then-current standard virtual primary care visit fee rate, which will be collected at the time of service.