What is a Deductible?
For a covered medical expense, the deductible is the portion of
your medical bill that is your responsibility. The
deductible will first be subtracted from the total medical
bill and you will need to pay this portion directly to the
doctor or hospital.
Your deductible is the
amount you choose when you purchased the plan ($0, $100, $250 or
$500).
What is Co-insurance?
After You pay the Deductible, the plan pays 80%
of the next $5,000 of eligible expenses, then 100% to the
selected Medical maximum.
How do I Pay
for My Prescriptions?
Prescriptions are
a reimbursable expense. You will need to pay for your
prescription and then complete a claim form to be reimbursed.
If you need to apply for a reimbursement,
download a Claim Form.
VISIT®
E Plus Plans - Medical Claim Form -
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E Plus Plans - Medical Claim Form -
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What is a pre-existing condition?
Pre-existing Conditions
shall mean any medical condition, sickness, Injury, Illness,
disease, Mental Illness or Mental Nervous Disorder, regardless
of the cause including any congenital, chronic, subsequent, or
recurring complications or consequences related thereto or
resulting therefrom that with reasonable medical certainty
existed at the time of application or any time during the 36
months prior to the effective date of coverage under this policy
, whether or not previously manifested , symptomatic, known,
diagnosed , treated or disclosed. This specifically includes but
is not limited to any medical condition, sickness, Injury ,
Illness, disease, Mental Illness or Mental Nervous Disorder ,
for which medical advice , diagnosis , care or treatment was
recommended or received or for which a reasonably prudent person
would have sought treatment during the 36 month period
immediately preceding the effective date of coverage under this
policy.
What is Precertification?
Emergency Pre-certification: In the event
of an Emergency Hospital admission, Pre-certification must be
made within 48 hours after the admission, or as soon as is
reasonably possible.
Pre-certification Does
Not Guarantee Benefits – The fact that expenses are
Pre-certified does not guarantee either payment of benefits or
the amount of benefits. Eligibility for and payment of benefits
are subject to all the terms, conditions, provisions and
exclusions herein.
Concurrent Review – For Inpatient stays of any
kind, the Plan Administrator will Pre-certify a limited number
of days of confinement. Additional days of Inpatient confinement
may later be Pre-certified if a Member receives prior approval.
What is a Reasonable & Customary charge?
Reasonable and Customary charge is the amount normally charged
by medical service providers for similar services and supplies
in your area of living.
What is Medical Evacuation?
Medical Evacuation means transferring the insured person to the
nearest hospital or medical facility in case of an emergency
injury or sickness or back to his/her home country. It can be
done by any necessary means of transportation.
What is Repatriation?
In case of death, the Repatriation benefit covers the
transportation of your remains back to your family and your home
country.
Are Injuries from Sports Covered?
Recreational sports are covered through the regular medical
coverage. Injuries
from intercollegiate, interscholastic, intramural or club
sports are not covered.
Is there Dental Coverage?
There is limited coverage injury to natural
teeth on your policy.
Do I need a referral to go to a Specialist?
A doctor’s referral typically is not required.
If you have an emergency medical
condition, please call 911 or your local
emergency services number.
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