|
![]() |
![]() |
|
|
||
Q. When I apply for insurance, what will they ask? A. Personal information to determine
your eligibility. Companies screen applicants for individual health
insurance, so you will fill out an application and answer questions
on your If your information is incomplete or inaccurate regarding health history or age, the company may deny benefits or rescind your coverage. Companies frequently ask physicians for medical records and may require you to take additional physical exams or blood tests. However, they cannot ask you for an HIV test, except for disability income and life insurance. People with anything serious in their medical background may be charged a higher price for coverage or may be unable to find individual health insurance at any price. Q. Can I return my policy? A. Yes. If you are accepted for individual
coverage by an insurer, you have a "free look" or review period
which varies from 10 to 30 days. If you decide you do not want the policy,
return it by certified mail within the required period of time and request
a full refund of the premium paid. Employer group plans do not have
a "free look" period. Assignment of Benefits—When you assign benefits, you sign a paper allowing your hospital or doctor to collect your health insurance benefits directly from your insurance company. Otherwise, you pay for the treatment and the company reimburses you. Claim—Notification to the insurance company from the insured or health provider (if you have assigned benefits) that a payment is due under provision of the insurance policy. Co-Payment—The portion charges paid by the patient in addition to any deductible for covered services and supplies. Deductible—A fixed amount which is deducted from eligible expenses before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium. ERISA—Employee Retirement Income Security Act (of 1974). Administered by the U.S. Department of Labor, ERISA regulates employer-sponsored pension and insurance plans for employees. Grace Period—a specified period immediately following premium due date, during which payment can be made to continue the policy in force with out interruption. Guaranteed Issue—The coverage is available regardless of prior medical history. Small employers (between 3 and 50 employees) cannot be refused coverage because of the medical history of one or more employees. Some individual plans are available on a Guaranteed Issue Basis, although premiums are higher. Limitations—Conditions or circumstances for which benefits are not payable or are limited. It is important to read the limitations, exclusions and reductions clause in your policy or certificate of insurance to determine which expenses are not covered. Medically Necessary—Many insurance policies will pay only for treatment that is deemed "medically necessary " to restore a person’s health. For instance, many policies will not cover plastic surgery for cosmetic purposes. Pre-Existing Conditions—Any illness or health problems you had prior to obtaining insurance. Group health care policies will cover pre-existing conditions after you have been covered for up to 6 months; Individual plans up to 12 months. Prior Qualifying Coverage—Health plan coverage that was in effect before the effective date of the current or new coverage. Both individual and group plans must credit coverage that was in effect before the start of the current coverage toward the satisfaction of the pre-existing conditions exclusions. Usual Reasonable and Customary—The charges that a carrier determines normal for a particular medical procedure in a specific geographic area. If charges and higher than what the carrier considers normal, the carrier will not pay the full amount charged and the balance is your responsibility.
|
| Anthem Blue Cross | Blue cross | Blue cross rights | Blue cross Blue Shield | california department insurance | california health insurance | california individual health insurance | health care coverage | health insurance | health page insurance | individual health insurance | medical health insurance | student health insurance | short term health insurance | short term insurance |Dental plans | small group medical plans | small group dental plans | small group dental plans at a glance | short term ppo plans | short ppo plans | self directed health plans | premium only plan | group health plan | choose plan | pharmacy | pharmacy formulary | pharmacy plan | ppo 500 | ppo 1000 | ppo 2000 | ppo 250 | ppo 40 comprehensive | ppo 40 | ppo 500 | ppo generic | ppo saver | ppo share 5000 | ppo share 1000 |Annuities | Life Insurance | Workers Pension| Long Term Insurance |Insurance Broker|Health Net Group plans | Kaiser Permanente | Blue Cross Health Insurance | Health Insurance California Articles |
Health
Insurance | Dental
Insurance | Blue
Cross Insurance | Provider
Search | Consumer
Information | About
Us | Contact
Us | Site
Map| Resources
| Health
Insurance News | Disclaimers
| Health
Insurance Buyers Guide | Insurance
FAQ's | Glossary
| Search
engine optimization seo company
Copyright © Quotit Corporation 2001. All rights reserved.
Make use of our forhealthplans.com site by utilizing our health insurance online services. This site of California Health Insurance plans for the whole family along with individual health insurance policies. We are valued to provide consistent value and solid protection to individuals and families in all walks of life through our insurance policies We continue to build on new and enhanced health insurance products to meet the changing needs of our customers. We offer a variety of health plans including individual and family health insurance, Health savings account, Individual health plans, family health insurance plans, Blue cross and dental health insurance and help individuals find affordable health insurance and manage their benefits. Join us now.