PRE-EXISTING: This plan requires underwriting, meaning if you have certain conditions, you may be denied coverage. There is a “Look back” period of 2 years for anything “pre-existing” and will be excluded for life of the policy. This includes medication. A pre-existing condition is “any illness, injury, or condition for which medical advice, diagnosis, care or treatment was recommended to or received by a covered person within 2 years before the effective date, or “symptoms” that would cause an ordinarily prudent person to seek treatment within the past 1 year.”
Click Here If You Have Pre-Existing You Need Covered
AGE: Can be on a family plan up to age 19, on their 19th birthday, they must get their own plan. Being a Student does not change this. Up to age 64 and 11 months.
CHILDREN: No child only plans. Must be with a parent or legal guardian
NETWORK: Nationwide PPO Coverage. “Choice” network, no Out-of-Network Benefits. Must use network providers.
AMBULANCE: No Air Ambulance coverage, but ground ambulance yes. Out of Country – NONE.
PREVENTATIVE: Screening mamo’s are covered, NO coverage for pap smears, PSA testing is covered, HPV shots are covered, Contraceptive coverage, NO Child Immunizations, NO Physicals are covered.
RX: Preferred price card. Discounted Rx. Customer Pays for Rx at point of sale at the lowest price, then the customer submits a “claim form”. Claim form call 800 657 8205. Fill it out, submit it to the claims division that is on the form, the claim at that point becomes considered, then that amount comes off the deductible. The money paid for the prescription gets applied to the deductible medical deductible. Once hit deductible is met, $3000 is the max benefit paid out after medical deductible has been paid.
Below are 3 packages available for your consideration. Please note that these are plans we are “Featuring”. We have gone to great lengths to make certain our “Featured” PPO plans provide some of the health insurance industries finest QUALITY products we have found, and can stand behind.
All of the packages below have very reliable health insurance coverage with United Healthcare PPO (their “Choice” network), and has nationwide coverage. These PPO plans are available to start today, or January 1st, whichever start date you wish.
You will go through an underwriting process, which means these plans work best for those individuals and families that don’t have pre-existing conditions such as: currently pregnant, blood disorders, liver or kidney or heart disorders, COPD, diabetes, cancer, MS, Crohn’s, ulcerative colitis, drug or alcohol abuse/treatment, others.
If you feel like you are relatively healthy, the packages below could work very well for you. If you do have serious pre-existing conditions that you need covered, we recommend you speak with our agents and possibly stay with an ACA (Obamacare) health insurance plan. Call us for details.