International Newborn Care Card®

PLAN DESCRIPTION:
Providing our international clients with significant discounts on claims their newborn(s) may incur while in the US immediately following birth and alleviating the burden of negotiating and paying each claim directly to multiple providers.

:: Discount Plan Enrollment... What does it Cost?
:: Summary Of Discount Plan Benefits... What does is Cover?
:: Why Do You Need The International Newborn Care Card®
:: Services Provided
:: International Newborn Care Card® Frequently Asked Questions

Discount Plan Enrollment Cost and Terms

CREDIT CARD PAYMENT NOW AVAILABLE!

Enrollment Cost	US$3000.00. Due at 6 week ultra sound or upon enrollment.
Claims Fund AccountsSM	US$1500.00 Claims management administration fee. Non-Refundable
Claims Fund Account Amount	US$10,000.00 per fetus due at 6 month of pregnancy. Full Refund issued on any over paid funds.
Enrollment Term	The International Newborn Care Card® remains in effect ninety (90) days from the Date of Birth or Death of the Insured or Insured departing the USA on any journey scheduled to end outside the USA.
Exclusions	Any and all claims related to your Surrogate.
Requirements	Single or Twin Newborns. The International Newborn Care Card® may be purchased at any time prior to any known complications of pregnancy or birth. (Enrollment is recommended at the time pregnancy is confirmed no later than 12 weeks gestation.) Please Note: Some surrogacy agencies require that you fund a trust account with them for the care of the twins. The International Newborn Care Card® enrollment forms must be completed and accepted by New Life Agency, Inc. Medical Claims must occur in US.

International Newborn Care Card® Summary Of Discount Plan Benefits

Coverage	Single Newborn and Twins
Negotiated Expenses	All Newborn Care Medical Provider and Facility Costs
In-Network Eligible Claims	100% of charges apply for discount savings.
Network claims:	All claims, including well-baby claims, will be processed and receive network savings accordingly.
Out of network Payment Percentages	All claims, including well-baby claims, will be processed and we will pay out what we would pay one of our providers around that geographical area.
Coordination of benefits	This policy is NOT medical insurance. Coordination of benefits does not apply.
Charges	All charges are the responsibility of the Intended Parent(s).

Why Do You Need The International Newborn Care Card®

Health care costs are different in the United States than other countries around the world. The United States health care system is principally funded through private insurance. Reciprocity between countries which both have socialized health care does not occur in the United States. Therefore, coverage you may have on you or your family will not apply to your newborn in the United States.

1. Higher risk on IVF newborn.
Claims for babies born through Surrogacy or IVF pregnancies have a 30% higher claims risk ratio. This plan Offers discounted rates on all Newborn Care Medical Provider and Facility Costs.

2. Why do people buy the International Newborn Care Card®?
The thought of dealing with newborn medical expenses can be daunting for people who do not have coverage in the US. The newborn claims expense is the largest financial exposure you will have while moving through the process of creating your family. This program alleviates the burden of dealing with hospitals and providers directly and our clients can concentrate on what matters most, being with their new baby(s) and confident that we are working to get them the largest possible savings on their claims.

3. Paying claims during your stay in the United States and after you have returned home is difficult to manage.
Claims processing may take several months to adjudicate. All claims will be managed through your Claims Fund Account. Neither you nor your surrogate will ever pay claims directly on your newborn. An explanation of benefits with claims detail is issued every time a claim is paid from your Claims Fund Account and is available upon your request.

4. Claims are aggressively discounted through our third party administrator.
The claims administrators' duty is to achieve the highest negotiated rates to reduce your liability when complications or well-baby claims arise.

5. Refund of Enrollment Fee.
If total loss occurs any time during pregnancy or stillborn and no claims have occurred a $3000.00 refund will be issued on the International Newborn Care Card®.

6. Large network of medical providers.
The network accesses one of the largest medical provider networks in the nation; offering cost savings based on agreed contracted network service provider rates.

Network of Providers

		Use the Network Providers To access the most current list of network providers click to: California Foundation for Medical Care (California Residents) Interplan Health Group (Outside California) Providence Health Plans (Oregon Residents Only) HealthSmart Preferred Care (Texas Only)
		Show your ID Card when you check in The doctor's office and hospital admissions department will ask if you have insurance. Just give them your ID card. It has everything they need!
		Doctors and Hospital Submit Claims All claims will be submitted by doctors and hospital directly to New World Administrators
		A NEW STANDARD OF CARE... Serving Future Families Health Claims Today.

Services Provided

"	Access to provider discounts of up to 60% (0%-60%) on all newborn claims, including in- patient well baby care.
"	Enrollment processing to include discount care card.
"	Program verification and service calls to providers.
"	Access to an extensive PPO network of hospitals and physicians in all 50 states.
"	Claims processing to include re-pricing and aggressive discount negotiations, if necessary.
"	Explanation of discount provided for each claim clearly detailing the amount due to the providers of service.
"	Electronic or Paper notification of claims processed.
"	Fully Staffed Toll-Free Customer Care Line.
"	Assistance in coordination between provider and client to ensure all claims are paid timely and accurately.
"	24 hour emergency hotline

International Newborn Care Card® Frequently Asked Questions

1. Who is New World Administrators, Inc.?
New World Administrators is a third party claims Administrator Company responsible for negotiating discounts, managing the network of providers and processing claims nationally.

2. Is this card considered insurance?
This card is NOT insurance. This card only allows you access to significant discounts on claims. Payment of the bill is the responsibility of the cardholder.

3. Do I have to complete enrollment forms for your program?
Yes, full enrollment forms must be received and accepted by New Life Agency prior to any enrollment kit being distributed.

4. When do I complete the enrollment forms?
Enrollment is recommended at the time pregnancy is confirmed no later than 12 weeks gestation. Program may be purchased at any time prior to any known complications of pregnancy or birth.

5. By completing the enrollment form do I automatically have access to the program?
No, the INCC Card enrollment forms must be completed and accepted by New Life Agency prior to any enrollment kit being distributed.

6. How does the Claims Fund AccountSM work?
The Claims Fund Account is an account populated with your money to allow New Life Agency, Inc. to pay all your US Claims directly to all providers. This account will be populated by credit card or wire transfer. Processing charges will apply with credit cards or wire transfer fees. An itemized accounting of all claims processed is available anytime, upon request. Six months after the delivery, you will receive a ledger reflecting your total history along with a refund of any overpaid funds.

7. When is the Claims Fund AccountSM due?
The account must be populated at 6 month of pregnancy. Full Refund will be issued on any funds remaining after all claims are a zero balance.

8. How much money do I put in the Claims Fund AccountSM?
US$10,000 per fetus due at 6 months of pregnancy. Then will be replenished regularly on an as needed basis to suffice claims.

9. When are claims paid once they are re-priced?
You have 30 days to remit payment on all re-priced claims. Our discounts are secured with an agreement that the bills will be paid promptly by the responsible parties. Failure to remit payment within 30 days may result in loss of the discount. All discount charges, penalties or interest are the responsibility of the Intended Parent(s). As long as your Claims Fund Account is funded promptly we will pay promptly.

10. What if my doctor and hospital are not within the network of physicians allowed?
Our representatives will contact the provider or hospital you have chosen and attempt to make a discount arrangement. However, we cannot guarantee the providers will agree to any discount.

11. What advice can you give me on how to secure the best possible discount for my child's medical expenses?
The most important thing you can do is contact our Customer Care Advocates with any questions about the program. Our trained professionals will guide you step-by-step on how to use this card and make it work for your benefit.

You can also make certain that all providers you are utilizing are within our network of physicians.

*HOLD HARMLESS*
The insurance broker and any other persons or agencies are held harmless from any loss or damages arising from health insurance, life insurance, indemnity or supplemental benefits on the surrogate, Intended parent or egg donor being denied or accepted for coverage. New Life Agency, Insurance Agency does not make any representations regarding the insurance policies referenced herein or otherwise and is not in any way responsible for the coverage of such insurance or loss or damages from the denial of any claims under such policies. Health insurance, life insurance, indemnity or supplemental benefits and exclusions can and may change without notice.