What is the definition of a Pre-Existing Medical Condition?
Pre-existing condition refers to any injury, disease or illness occurring prior to and including the effective date of your insurance.
Read more »What if I only need coverage for less than 30 days?
Most short-term health insurance plans have a minimum coverage period of 30 days. Even if you only need coverage for less than 30 days, you can either make a single payment upfront for 30 days of coverage, or select the monthly payment option, and then cancel your coverage when you no longer need it. You should be aware that you will not be refunded for partial months of coverage.
Read more »What happens when I reach the end of my coverage period?
At the end of your coverage term, most health insurance companies will allow you to re-apply for another Short Term Medical Insurance plan. These plans do not typically constitute an automatic continuation of your first plan. Many Short Term Medical insurance plans only allow you to re-apply once.
Read more »Why would I want coverage for a limited amount of time?
If you’re between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, Short Term Medical insurance may be a great option for you.
Read more »What is short-term health insurance?
Short-term health insurance plans provides coverage for a limited period of time. Usually short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. This is a good solution for people between jobs or those waiting for other health insurance to start. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans. The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans […]
Read more »What are Preferred and Non Preferred providers for a PPO plan?
PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians. PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.
Read more »Can I change my primary care physician?
Yes, one can change his/her primary care physician maximum once a month. But it is always better to stick to one physician. Find out the rules form your insurance company. Normally to change, you will just have to call up the new physician you want to be your primary care doctor, and then inform your insurance company about the change.
Read more »What is a Primary Care Physician?
A primary care physician manages your entire health care program. One has to first visit his/her primary care physician for any kind of medical problem. In case you require a specialist, then your physician should refer you to a concerned specialist.
Read more »What is POS?
POS stands for a Point of Service plan, which combines the cost savings of a HMO with the flexibility of a PPO.
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