Deductible waived & 100% coinsurance for:

• Annual routine adult physical exam
• Annual women’s gynecological exams, including pap smear & related lab work
• Annual routine child physical exam ages 2 through 18
• Well-baby exams & immunizations – up to 6 exams in 1st year & 2 exams in 2nd year
• Preventive vaccinations (refer to What you Plan Covers section for vaccinations covered in the IARC Plan Medical Brochure)

Deductible waived:

• 100% coinsurance for annual vision exams
• 80% coinsurance for materials (lenses, frames, contacts) up to $300 per calendar year

Deductible waived:

• 80% coinsurance
• Limited to $2,500 per ear & 1 replacement every 3 calendar years

Deductible waived & 100% coinsurance for 24/7/365 telephone, video & email access to professional counselling for family, work & other personal issues (refer to IEAP and Telehealth Service section)

Deductible waived: (refer to Prescription Drugs section for the benefit description for purchases outside of and in the U.S. in the IARC Plan Medical Brochure)

Deductible waived & 100% co-insurance for:

• Oral exams: 2 per year​
• Cleanings: 2 per year​
• Fluoride application: 1 per year – children only​
• Dental sealants on permanent molars: 1 every 3 years - children only​
• Bitewings: 1 set per year​
• Full mouth x-rays: 1 set every 3 years