Carrum health is a surgery and medical benefit that gives you access to the top surgeons in the nation at world-class hospitals. When you receive care through Carrum Health, we cover all medical costs after you have reached your deductible.

This benefit includes:

• Access to the top 10% of world-class hospitals and surgeons.
• 100% of your surgery expenses are covered after you have reached your annual deductible.¹
• Travel expenses (if needed) covered for you and a companion.²
• A dedicated care specialist to guide you throughout your journey.
• A mobile app to easily help you prepare, plan, and complete paperwork.
• Surgery support for knee, hip, shoulder, back, neck, weight loss, heart, and oncology procedures.

1. Members must meet all or part of their AmeriBen deductible before costs are covered at 100%.

2. Travel expenses are covered based on procedure and proximity to a center of excellence, and, per IRS regulations, will be reported as taxable income.