-Rates 50% Less than ACA, Obamacare Plans, or the MarketPlace.
-Enroll ANYTIME, these Private Policies are not subject to Open Enrollment
Your first step is to view an online health insurance quote.
The IHC Group has some of the most affordable health insurance in Maryland. When circumstances leave you temporarily uninsured, the Connect Value short-term medical insurance plan helps protect you during coverage gaps. Value Connect is an affordable way for Maryland residents to avoid going without health insurance.
Read below for more information about this exciting product.
Office Visit Copay – $50
The copay applies to the first covered office visit during the policy period. After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
Looking for more coverage, learn about Learn about Other Plans in Maryland.
Maximum benefit $1,000,000
View an online health insurance quote.
All benefits, except office visits applied to the copay, are subject to the selected plan deductible and coinsurance. Covered expenses are limited by the usual and reasonable charge as well as any benefit-specific maximum. If a benefit-specific maximum does not apply to the
covered expense, benefits are limited by the coverage period maximum. Benefits may vary by state.
Deductible – $1,000 | $2,500 | $5,000
The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three times the individual deductible amount.
Coinsurance percentage and out-of-pocket costs
After the deductible has been met, you pay the selected percentage of covered expenses until the out-of-pocket amount has been reached.
The Connect Value plan covers the remaining percentage of covered expenses up to the maximum benefit. The out-of-pocket amount is specific to expenses applied to coinsurance; it does not include the deductible.
Utilize a network provider and Save
With your Connect Value short-term medical plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to
negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card, which will include the network information needed for the provider to correctly process covered billed charges.
Why short term medical insurance?
When you are temporarily between major medical policies or waiting for coverage to begin, short-term plans provide benefits to help pay for unexpected healthcare. Covered expenses may include emergency room treatment, hospital stays, surgery, intensive care and more.
Underwritten by Independence American Insurance Company, (IAIC), a member of The IHC Group. For more information about IAIC and The IHC Group, visit www.ihcgroup.com. This product is not considered to be Minimum Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). This product is administered by The Loomis Company.
Connect Value offers short-term medical coverage with an affordable premium
Connect Value’s low premium is achieved through carefully selected benefit limitations. Coverage is available in most states for 30 to 90 days. Short-term medical insurance is not a substitute for a major medical plan that meets the minimum essential coverage levels as defined by the Patient Protection and Affordable Care Act, also known as ACA. It can, however, offer financial protection in the event of an unexpected injury or illness while you are waiting for coverage to begin under an ACA compliant plan.
Waiting for an ACA plan
Many plans on the Health Insurance Exchange offer only one effective date, the first of the month. Depending on when you submit your application, you may have to wait up to 45 days for your coverage to begin.
Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin.
Missed Open Enrollment
If you have missed the opportunity to secure coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event.
Can I Apply?
Connect Value is available to the primary applicant from age 18 to 64, his or her spouse age 18 to 64 and dependent children under the age of 26. A child-only plan is available for children age 2 up to age 18.
Covered Services Include Treatment for services and supplies for:
• Inpatient hospital room, board and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount, not to exceed $10,000 per day
• Inpatient intensive care or specialized care unit up to three times the amount billed for a semi-private room or three times 90 percent the private room billed amount, not to exceed $12,500 per day
• Inpatient doctor visits not to exceed $500 per confinement
• Inpatient prescription drugs administered while hospital confined
• Emergency room up to $500 per day
• Office visits not paid through a copay will be subject to deductible and coinsurance, not to exceed a maximum benefit of $1,000 per covered person
• Outpatient hospital surgery or ambulatory surgical center charges not to exceed $1,000 per day
• Surgeon services in the hospital or ambulatory surgical center not to exceed $2,500 per surgery
• Anesthesiologist services not to exceed the maximum benefit of 20 percent of the surgeon’s benefit
• Assistant surgeon services not to exceed 20 percent of the primary surgeon’s covered charges
• Surgeon’s assistant services not to exceed 15 percent of the primary surgeon’s covered charges
• Ground ambulance services not to exceed $250 per occurrence
• Air ambulance services not to exceed $250 per occurrence
• Organ, tissue, or bone marrow transplants not to exceed $150,000 per coverage period
• Acquired Immune Deficiency Syndrome (AIDS) not to exceed $10,000 per coverage period
• Outpatient hospital surgery or ambulatory surgical center not to exceed the maximum benefit of $1,000 per day
Pre-certification is required prior to each inpatient confinement for injury or illness, including chemotherapy or radiation treatment at least seven days prior to receiving treatment. Emergency admissions must be pre-certified within 48 hours following the admission, or
as soon as reasonably possible. Failure to complete pre-certification will result in a benefit reduction of 50 percent which would have otherwise been paid. Pre-certification is not a guarantee of benefits and may vary by state.
Pre-existing Condition Limitation
Connect Value will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years* immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.
*In the following states, the pre-existing condition time period is 6 months: GA, ID, KY, MA, MI, NH, NJ, NM, NY, ND, WA, WY.
Coverage ends on the earliest of the date: the premium is not paid when due; you enter full-time active duty in the armed forces; or Independence American Insurance Company determines intentional fraud or material misrepresentation has been made in filing a claim for benefits. A dependent’s coverage ends on the earliest of the date: your coverage terminates; the dependent becomes eligible for Medicare; or the dependent ceases to be eligible.
If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a
continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation.
The Policy does not provide any benefits for the following expenses:
• Treatment of pre-existing conditions, as defined in the pre-existing conditions limitation provision, shown in the Policy
• Incurred prior to the effective date of a covered person’s coverage or incurred after the expiration date, regardless of
when the condition originated, except in accordance with the extension of benefits provision
• Treatment, services & supplies for:
• complications resulting from treatment, drugs, supplies, devices, procedures or conditions which are not covered
under the Policy;
• experimental or investigational services or treatment or unproven services or treatment;
• Amounts in excess of the usual, reasonable and customary charges made for covered services or supplies or you or your
covered dependent are not required to pay, or which would not have been billed, if no insurance existed;
• Paid under another insurance plan, including Medicare, government institutions, workers’ compensation or automobile insurance
• Expenses incurred by a covered person while on active duty in the armed forces. Upon written notice to us of entry into such active duty, the unused premium will be returned to you on a pro-rated basis
• Treatment, services and supplies resulting from:
• war (declared or undeclared);
• the commission of engaging in an illegal occupation;
• normal pregnancy or childbirth, except for complications of pregnancy;
• a newborn child not yet discharged from the hospital, unless the charges are medically necessary to treat premature birth, congenital injury or sickness, or sickness or injury sustained during or after birth;
• voluntary termination of normal pregnancy, normal childbirth or elective cesarean section;
• any drug, including birth control pills, implants, injections, supply, treatment device or procedure that prevents conception or childbirth, including sterilization or reversal of sterilization; sex transformation (unless required by law), penile implants, sex dysfunction or inadequacies and/or diagnosis and treatment of infertility, including but not limited to any attempt to induce fertilization by any method, invitro fertilization, artificial insemination or similar procedures, whether the covered person is a donor, recipient or surrogate.
• Physical exams or prophylactic treatment, including surgery or diagnostic testing, except as specifically covered
• Mental illness or substance use, including alcoholism or drug addiction or loss due to intoxication of any kind unless
mandated by law
• Tobacco use cessation
• Suicide or attempted suicide or intentionally self-inflicted Injury, while sane or insane
• Dental treatment or care or orthodontia or other treatment involving the teeth or supporting structures, except as specifically covered and the treatment by any method for jaw joint problems including temporomandibular joint dysfunction (TMJ), TMJ pain syndromes, craniomandibular disorders, myofascial pain dysfunction or other conditions of the joint linking the jaw bone and skull and the complex of muscles, nerves and other tissues related to the joint
• Eye care, hearing, including hearing aids and testing
• Cosmetic or reconstructive procedures that are not medically necessary, breast reduction or augmentation or complications arising from these procedures
• Outpatient prescriptions, drugs to treat hair loss
• Feet unless due to accidental bodily injury or disease
• Weight loss programs or diets, obesity treatment or weight reduction including all forms of intestinal and gastric bypass
surgery, including the reversal of such surgery
• Transportation expenses, except as specifically covered
• Rest or recuperation cures or care in an extended care facility, convalescent nursing home, a facility providing rehabilitative treatment, skilled nursing facility, or home for the aged, whether or not part of a hospital
• Providing a covered person with (1) training in the requirements of daily living; (2) instruction in scholastic skills such as reading and writing; (3) preparation for an occupation; (4) treatment of learning disabilities, developmental delays or dyslexia; or (5) development beyond a point where function has been demonstrably restored
• Personal comfort or convenience, including homemaker services or supportive services focusing on activities of daily life that do not require the skills of qualified technical or professional personnel, including bathing, dressing, feeding, routine skin care, bladder care and administration of oral medications or eye drops;
• Supplies provided by a member of your immediate family
• Sleeping disorders
• Expenses incurred in the treatment of injury or sickness resulting from participation in skydiving, scuba diving, hang or ultralight gliding, riding an all-terrain vehicle such as a dirt bike, snowmobile or go-cart, racing with a motorcycle, boat or any form of aircraft, any participation in sports for pay or profit, or participation in rodeo contests
• Bone stimulator, common household items
• Participating in interscholastic, intercollegiate or organized competitive sports
• Medical care, treatment, service or supplies received outside of the United States, Canada or its possessions
• Spinal manipulation or adjustment
• Private duty nursing services
• The repair or maintenance of a wheelchair, hospital-type bed or similar durable medical equipment
• Marital counseling or social counseling
• Expenses for replacement of artificial limbs or eyes, removal of breast implants
• Treatment, services or supplies not defined or specifically covered under the Policy
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”). The IHC Group consists of three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers, advisors, private label arrangements, independent agents, and through the following brands: www.HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.
If you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2019. Many large name carriers are offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.
Here are some key points:
2019 MEDICARE PREMIUMS AND COPAY/DEDUCTIBLES
2019 PART B PREMIUM
The Medicare Part B standard monthly premium will be $135.50 in 2019, compared to $134 in 2018.
Note: The income-related Part B premiums for 2019 will vary depending on the extent to which an individual beneficiary’s income exceeds $85,000 (or a married couple’s income exceeds $170,000).
Income level- File Individual
Income Level- File Joint
2019 Part B Premium
|Less than or equal to $85,000||Less than or equal to 170,000||$135.50|
|Greater than $85,000 and less than or equal to $107,000||Greater than $170,000 and less than or equal to $214,000||$189.60|
|Greater than $107,000 and less than or equal to $133,500||Greater than $214,000 and less than or equal to $267,000||$270.90|
|Greater than $133,500 and
less than or equal to $160,000
|Greater than $267,000 and
less than or equal to $320,000
|Greater than $160,000 and less than $500,000||Greater than $320,000 and less than $750,000||$433.40|
|Greater than or equal to $500,000||Greater than or equal to $750,000||$460.50|
As always, 2019 Medicare supplement benefits match the federal program’s deductible and coinsurance increases, a distinct advantage in today’s ever-changing environment.
|2019 Medicare Supplement Copay/Deductibles|
|Feature||2018 Benefits||2019 Benefits|
|Part A Inpatient Hospital Deductible||$1,340||$1,364|
▪ 61-90 days
▪ 91-150 days (lifetime reserve)
|Skilled Nursing Facility Care Coinsurance
▪ 21-100 days
|Part B Physician’s Services and Supplies Deductible||$183||$185|
Medicare Part A usually begins when turning age 65. Medicare Part A coverage is typically free if you or a spouse paid Medicare taxes during your working career. The majority of Americans are automatically enrolled in Medicare Part A when they are 65 years old. To receive Part A you must be already eligible to receive retirement benefits, either through Social Security or the Railroad Retirement Board. However, you do don’t have to be actively collecting Social Security benefits as many people wait to file. Disabled Americans who are under age 65 and receive Social Security or Railroad Retirement disability benefits are often eligible for Part A after 24 months, and those diagnosed with End-Stage Renal Disease can obtain Medicare Part A.
Medicare Part A is mostly associated with inpatient hospital care. Here is what you pay:
Important: After lifetime reserve days are used Medicare pays nothing, the beneficiary is responsible for all hospital charges.
Keep in mind the above information only lists costs for Medicare Part A. You would also have Medicare Part B costs.
Part A annually covers the first three pints of blood at no cost to the beneficiary. The Medicare beneficiary is responsible for paying for all additional pints of blood per calendar year.
Medicare Part A covers expenses that are incurred during a stay in the hospital as well as brief Home Health services for some situations, and sometimes brief Hospice care and Skilled Nursing Facility care, and occasionally Nursing Home care, provided you are not merely in need of assistance with daily living. Mental health care is also a covered service when admitted to a hospital as an in-patient.
Medicare Part A does not cover cosmetic surgery, acupuncture, eye exams for the purpose of prescribing glasses, most dental work, dentures, standard foot care, custodial care or hearing aids and the exams required for fitting them.
The easiest way to get help with understanding Medicare Part A is to fill out a request online to speak with us. It only takes ten or fifteen minutes to do a brief overview to Medicare Parts A and B. In the event that more information is needed, we could help direct you to your local Social Security office for an in person appointment.
While Medicare may seem confusing, we strongly urge you to contact us sooner than later. We find many Americans spend a great deal of time looking at the wrong Medicare products or over complicating how Medicare works. Sometimes a nice conversation with a knowledgeable person, can greatly ease the tensions that come with learning something knew and transitioning to Medicare.
Medicare with no cost sharing is no problem. About 25% of all Medicare recipients have Part A and Part B. They add a Medicare Supplement to cover their deductibles and co-pays, and Part D, a prescription drug plan. Our office can easily help with this process. As always, our services are no cost to you.
Aetna Dental, Vision, and Hearing offers valuable protection by including three types of coverage in one policy. Aetna is trying to help your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better.
When does my Aetna Coverage Begin?
These robust dental policies focus on preventive, major, and emergency dental procedures. Preventive care such as cleanings, x-rays and Exams are covered without a waiting period or a deductible.
The plans cover basic dental services as well as major procedures like a root canal, but this depends on the plans deductible and waiting periods. The PPO offers more than 400,000 dentists, and no claim forms are needed since in-network dentists get direct payment.
There are some age restrictions on dental insurance. Some plans are for age 64 and above, while other plans are for under age 65. Many different plans are offered with many different benefits. Each plan can be customized to best fit the person purchasing it.
Humana is another insurance company that provides individual and family dental health insurance. Humana has a significant amount of dental insurance plans, all of which are affected by many factors. For example, age, gender, and dental needs can all affect the type of plan that is best for a certain individual.
Humana has plans that differ in benefits. Some plans have a higher premium, monthly payment, than others. Differing plans also have differing co-pays and deductibles, both of which are paid by the patient. Certain plans provide discounts, so the patient would pay the dentist directly at a discounted price. Again, Humana does not have an age limit.
Ameritas is another company that offers dental insurance. Ameritas has no age restrictions for its dental policies, and Ameritas allows next day effective dates to begin coverage.
Ameritas has no co-pays for preventive dental care, and these preventive care benefits are more expansive when using an in-network dentist. The network includes over 382,000 dentists, which reduces the amount of paperwork. Ameritas has a resourceful customer support team that is always available to answer questions and resolve problems.
Ameritas offers plans for individuals beginning as low as $19 a month for the most basic coverage in some states. The most expensive monthly individual plan is $35 a month, and it covers preventive care, restorative care, and orthodontic work. Plan premiums begin to change as more people are added, but Ameritas provides a wide enough variety that everyone should be able to find coverage.
Also see GPM Dental which uses Ameritas PPO Network.
Aetna is an insurance company that offers real insurance but like to market its dental discount plans. While not the same as insurance, the discount card will provide a some decrease in the cost of dental procedures for in-network dentists. For an individual, the cheapest discount plan is $7.99 per month, and, for a family, the cheapest discount plan is $10.99. For both, the initial cost is $15. We do not recommend these plans as they are not real insurance….
The discount has a network of dentists achieving more than 200,000 dentists across the United States. Most procedures will see a 15-50% discount through any of the available dental discount plans. Dental specialists accept the discount plans too. Some of the available discount plans offer discounts for vision and hearing care as well as dental care.
The dental discount plans are not as flexible as plans from Ameritas or United Healthcare, but they are still useful. The discounts may be enough for someone who cannot afford full-coverage or for someone who does not want to pay for full-coverage.
When using the Health Insurance Marketplace, it is possible to purchase dental insurance through the government. To get a dental plan through the Marketplace, a person must be purchasing a health plan as well. Some of the plans in the Marketplace come with dental insurance, which will be shown when comparing the plans. The coverage has low limits and it needs to be purchased with an SEP or during Open Enrollment…..it is not a very good product, certainly not the best dental insurance….
Insurance can seem like a complicated beast, but all it takes is some time to understand it. Finding the right plan for a family or individual can save more money in the end since waiting for a dental disaster can be expensive.
IHC Health Insurance has become one of many companies to surface over the last few years. IHC does not partake in any ACA qualified plans and focuses on consumer driven health products, such as Temporary Health Insurance. Many states allow clients to purchase back-to-back temporary policies. Many consumers have chosen this option as their preferred option for coverage. This is mostly due to the affordability of these policies and the flexibility of use.
This site works with a multitude of temporary and short term medical providers. We recommend filling out a quote form so shoppers can see the best selling plans in their area.
IHC currently has two options for short term medical coverage. First we will discuss the Connect 2.0 plan which is the more affordable of the two options. The goal is to obtain affordable coverage and not worry about gaps in coverage while you’re between health care plans. Here are the most common reasons to buy a temporary policy.
Missed open enrollment: If you have missed the opportunity to Connect coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event. No need to worry, we got you covered!
Waiting for an ACA plan to start: Many plans on the Health Insurance Marketplace are extremely expensive and offer only one effective
date, the first of the month. Depending on when you submit your application, and how long it takes you to prove qualifying for a SEP, Special Enrollment Period, you may have to wait up to 45 days for your coverage to begin. Often that is a best case scenario and sometimes it can take up to several months, or many consumers report having to wait until the next January 1st for coverage to begin.
Newly Hired: Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin. No need to worry, we got you covered!
Filling the Gap: Coverage can begin as early as the day following your online application, if approved, and last up to 90 days. AND many states offer instant re-apply to obtain longer lengths of coverage.
$50 Office Visit Copay: The copay applies to the first covered office visit during the policy period. After the copay, the balance of the
doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
Deductible Options, You Decide: $1,000 | $1,800 | $2,500 | $5,000 | $10,000
The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three individual deductible amounts per a policy term.
Coinsurance Percentages: a variety of coinsurance percentages including 20%, 30%, and 50% – You decide.
Out-of-Pocket Limits: $1,000 – $10,000 – You decide
Maximum Benefit per Term: $2,000,000
Check the rates on Short Term Health Insurance.
Pre-existing Condition: Connect 2.0 will not provide benefits for any loss caused by or resulting from a pre-existing
condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of
coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. (Notice Plan Option 2, Connect Plus (see below) does have a higher level of coverage for pre-existing).
Usual and reasonable charge: The usual and reasonable charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to the treatment of medical services, usual and reasonable means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as usual and reasonable,
we may use and subscribe to a industry reference source that collects data and makes it available to its member companies.
Continuing Coverage: If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. It is best to fill out a quote and shop all available options and speak with an agent to get the best plan for you.
Connect Plus is a short-term medical (STM) insurance plan with a limited benefit for pre-existing conditions. STM, sometimes called short-term medical limited duration insurance, is designed to provide coverage during transitions or gaps in major medical coverage. Most STM plans do not cover healthcare expenses for pre-existing medical conditions. Connect Plus provides a benefit up to a maximum of $25,000 for eligible pre-existing healthcare expenses. This policy is a step above the standard Connect 2.0 policy explained above.
Why Short Term Health Insurance?
Short Term Health Insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, these temporary health plans pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs. Learn more about Short Term Health Insurance.
An IHC Health Insurance Plan may be right for you if you:
Customize Your Plan: Select from various benefit levels which best meet your coverage and premium needs. You can also include other supplemental coverage such as dental or a discount prescription drug program to obtain additional coverage.
Quick and Convenient: Coverage can begin as early as the day following your online application. The underwriting process is simple and policy fulfillment, including claims and ID cards, are available online.
Cost Effective: Temporary health insurance plans are affordable. While short term medical does contain limitations when compared
to traditional major medical plans, the premium is generally lower.
You may want to keep the following in mind as you plan for your needs and
explore your options:
IHC Plans are not Affordable Care Act (Obamacare) Plans
IHC plans do not meet ACA standards. The ACA is a Federal law that requires all major medical plans to provide specific benefits and mandates that most Americans have health plans that qualify as Minimum Essential Coverage (MEC). These rules do not apply to IHC plans.
Unlike most temporary health plans, Connect Plus provides a benefit for eligible preexisting conditions. The plan provides up to a maximum of $25,000 for eligible medical expenses for a pre-existing condition, per person, per policy. After the $25,000 maximum has been reached, expenses due to pre-existing conditions are not covered. The definition of a preexisting condition is listed below:
A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. This period of time may vary by state.
Utilize a network provider and save
With your plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card which will include
the network information needed for the provider to correctly process covered billed charges.
Continuation of Coverage: If your need for temporary health insurance continues, most states allow you to
apply for another IHC plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. Note that based on your state, you may be limited to two or three consecutive terms only.
It is recommended to get a short term medical insurance quote on this site, so you can see a multitude of options. Then it is advised to speak with one of our licensed agents so you may ask questions and review products. Products vary greatly from state to state and an agent can help explain what is unique about your state. Since the start of the ACA, temporary health insurance plans have become more and more popular.
Humana dental insurance is an affordable way to obtain dental coverage in many states. Humana offers a rang of plans including PPO and HMO options. The Dental Preventive Plus is the most affordable plan, while the Dental Loyalty is the most comprehensive. If you are normally in need of major dental work the Dental Loyalty would be the best way to go. Get a Quick Quote.
Humana offers different levels of coverage to meet different needs. Humana dental insurance can also be combined with a vision plan. All coverage is easy to understand and easy to purchase through this site. Humana’s PPO network includes hundreds of thousands of dentists and optometrist. No matter which policy you choose, you’ll have access to a large number of providers.
Dentist Options: Choose any dentist, in-network or out-of-network. Get enhanced saving by using an in-network dentist.
Annual deductible: One-time deductible for the life of the policy: $150 per person up to $450 for a family.
Preventive / Routine cleaning / X-rays: Plan covers 100% for two cleanings a year and 40-70% for X-rays.
Office Visits: No copay. Coverage or possible discount is based on unique services provided.
Annual Maximum Benefits: $1,000 1st year, $1,250 2nd year, and $1,500 3rd year and onward.
Waiting Periods: None. You can start saving right away. The longer you have the plan the more you save!
The Humana Loyalty Plus plan REWARDS YOU with increasing benefits from years one to three. This plan has no waiting period for covered services. Members can choose to visit any dentist that you prefer. However, you can save even more by accessing Humana’s dental PPO network and picking one of the more than 130,000 dentists who are contracted with Humana to offer you lower rates.
Dentist: Choose any dentist, in-network or out-of-network. Stay in-network and access enhanced savings.
Annual Deductible: $50 for one person or up to $150 for a family ( deductible does not apply to discounted services).
Annual Maximum Benefits: $1,000.
Preventive / Routine cleaning / X-rays: Plan covers 100%.
Office Visits: No copay. All coverage or possible discount is based on services provided.
Waiting Periods: No waiting period for preventive care services; 6 months for basic dental services like fillings and oral surgery.
While the Humana Dental Preventive Plus focuses on coverage for preventive and basic services, discounts may be available on major services like crowns, bridgework, as well as orthodontics for people of all ages. These special Humana dental insurance discounts are only available with in-network dentists. After you get a dental quote, you can see more details about benefits and discounts.