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Aggregate Deductible

The entire family deductible amount must be met before benefits are available. Family members may combine their covered expenses to satisfy the family amount.


The amount or percentage that you pay for certain covered services under the plan. This is typically the amount paid after a deductible is met.

Copayment (Copay)

A flat fee that you pay toward the cost of covered services.


Before benefits are available, you must pay a specific dollar amount out of pocket. Under some plans, the deductible is waived for certain services. Unless otherwise noted, copays and charges for Non-covered Services or amounts in excess of the Allowable Charge do not count toward your deductible.


A provider or facility who has contracted to provide services as part of a network. Find a Doctor


A provider or facility who has NOT contracted to provide services as part of a network.

Out-of-Pocket Maximum (OPM)

The maximum amount paid for covered services during a benefit period. The deductible, coinsurance and copayments apply towards meeting the OPM.

Primary Care Physician

A physician who has a majority of his or her practice in the fields of internal or general medicine, obstetrics/gynecology, general pediatrics, or family practice.


A physician who has a majority of his or her practice in a field other than internal or general medicine, obstetrics/gynecology, general pediatrics, or family practice.

Urgent Care Facility

A facility, other than a hospital, that provides covered health services that are required to prevent serious deterioration of your health, and that are required as a result of an unforeseen sickness, injury or the onset of acute or severe symptoms.

Life Insurance

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Our Mission

Uniting hardworking Americans to secure their financial future while strengthening our communities and country.

The information on this page is a partial description of benefits, limitations, exclusions, and other provisions of the group benefits provided by Woodmen of the World Life Insurance Society (WoodmenLife). If there is a difference between the information in this summary and the plan document for each plan, the plan documents govern. Eligibility requirements apply to each of the benefits offered, criteria may include employment status and/or individual qualifications. For more detailed information, refer to the Summary Plan Description of each plan. WoodmenLife may amend these plans at any time. The description of the plan is not a guarantee of benefits and should not be construed as such.

This is the Life is a registered service mark of Woodmen of the World Life Insurance Society.

This is a solicitation of insurance and an agent/producer may contact you.

WoodmenLife Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

NOTE: In some states, Medicare Supplement certificates (all plans in CO) are available to those eligible for Medicare due to a disability, regardless of age.

Securities are offered through Woodmen Financial Services, Inc. (WFS), 1700 Farnam Street, Omaha, NE 68102, member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the World Life Insurance Society (collectively “WoodmenLife”). Securities other than the WoodmenLife Variable Annuity are issued by companies that are not affiliated with WoodmenLife. This material is intended for general use with the public. WFS is not providing investment advice for any individual or any individual situation, and you should not look to this material for any investment advice. WFS has financial interests that are served by the sale of these products or services.

WoodmenLife Extras are available to members. An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a product. These extras are not contractual, are subject to change and have specific eligibility requirements, such as length of membership, number of qualifying members in household and/or qualifying event.

Check out the background of Woodmen Financial Services, Inc. on FINRA’s BrokerCheck.

Business Continuity Plan | All products may not be available in all states. | Not all Representatives are licensed to sell all products.

A+ Financial Rating

Effective Feb. 1, 2024, WoodmenLife is rated A+ Superior by AM Best for our financial strength and operating performance. For the latest Best’s Credit Rating, access www.ambest.com

International Use

This Site is not intended for access outside of the United States, including those individuals who reside in the European Economic Area (“EEA”). WoodmenLife makes no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside of the United States do so on their own initiative and are responsible for compliance with local laws.

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This company was issued a secure rating by the A.M. Best A+ Superior Company

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WoodmenLife is a proud member of American Fraternal Alliance

© 2024 Woodmen of the World Life Insurance Society
Omaha, Nebraska