Within PPO network in U.S.: After deductible, plan pays 90% (80% outside network) up to $5,000, then 100% to policy maximum.
Outside U.S.: After deductible, covered at 100% up to selected policy maximum.
Before effective date, full refund.
After effective date, pro-rated refund for full months minus $50 cancellation fee as long as no claims have been filed since the effective date.