It is important to understand these significant differences between major medical insurance and limited benefit medical insurance:
Major medical insurance typically has a high deductible but covers most medical expenses above that deductible. Treatment must be determined to be medically necessary and the price charged must be determined to be reasonable in order to qualify for coverage. Some people may be excluded from coverage and the premiums are relatively high. Major medical insurance sometimes offers continuity of coverage when switching to a group type coverage.
Core Health Insurance has no deductible, covers 100% of expenses up to the stated limit and does not cover large bills above the stated coverage limits. There is no attempt or expectation of covering the entire amount of a medical bill. There is no determination of medical necessity and the insurer does not evaluate the reasonableness of the charge. Benefits are simply provided according to the pre-set benefits schedule. Everyone is eligible regardless of medical history and the premiums are relatively low. There is no continuity of coverage when changing policies.
Both types of coverage offer access to medical care when you need it and include a network of doctors and hospitals who have agreed to accept lower payment to plan members than the would otherwise charge. Read more and get a personalized proposal.
Core Health Insurance uses the Multiplan Limited Medical Benefit preferred provider network but this does not mean that doctors and hospitals will accept the insurance as full payment for services. Read more and get a personalized proposal.
Yes. But keep in mind that if you already have diabetes then this is a pre-existing condition and some types of medical treatments will be subject to a waiting period at the beginning of a new policy. If you use prescription supplies to treat your diabetes then be aware that Core Health Insurance provides only a discount not insurance coverage for prescriptions.
No; but a DrugCardAmerica retail pharmacy discount card is included with your enrollment package. Read more and get a personalized proposal.
Yes, there is a one time $50 enrollment fee. (Other Web sites and telephone enrollment services do charge an enrollment fee). Read more and get a personalized proposal.
Yes, Core Health Insurance covers pre-existing medical conditions but with two limitations during the beginning of a new policy: First, there are no hospital or surgery benefits for treatment of pre-existing conditions in the first twelve months of the policy. Second, there is no sickness benefit for the first 30 days of the policy. Read more and get a personalized proposal.
Yes. They vary depending on the policy selected so see your schedule of benefits. Read more and get a personalized proposal.
Yes. Coverage can start as soon as the online application is completed. It takes at least a few days (sometimes a few weeks if by mail) to cancel coverage because a written cancellation form is required. Read more and get a personalized proposal.
Yes. Benefits are determined and paid separately and independently of other coverage. Core Health Insurance is suitable for use as supplemental coverage. Read more and get a personalized proposal.
June 26, 2012 - Core Health Insurance plan for the members of the American Correctional Association launches July 1, 2012 as an non-sponsored association benefit plan. This means that the plan is not endorsed by the ACA at this time and the ACA is not involved in the marketing of the plan. Individual ACA member who enroll online are eligible for a waiver of the $50 enrollment fee. The association management may consider sponsorship at a later date but there is no need for ACA members to wait to enroll in this plan.
June 8, 2012 - AUIC Core Health Insurance announced that there will be no increase in premium rates for 2012 but some maximum benefit limits will be reduced. Additionally, new enrollments will be temporarily suspended in Georgia, Michigan, and North Dakota while policy filing changes are sought with the insurance department regulators in these states. An enhancement of the Preferred Provider Network was announced; this will be introduced later in 2012. Read the full announcement.
OTHER NEW COVERAGE OPTIONS:: Obamacare supplement insurance, and high deductible insurance from United States Fire Insurance Company as well as a new telemedicine plan also administered by SASID are available to help lower the high out-of-pocket expense of Affordable Care Act policies. Read more information, get rates and enroll online.
CORE HEALTH INSURANCE IS A SUPPLEMENTAL INSURANCE AND IS NOT A REPLACEMENT FOR OBAMACARE. This insurance is not intended to help members or their employers comply with the provisions of the Affordable Care Act commonly known as the "individual mandate" and does not offer the provisions known as "minimum essential coverage" and will not satisfy the individual responsibility requirements of section 5000A of the Code. Questions about compliance with the Affordable Care Act may be directed to the free consumer assistance program at www.OnlineNavigator.org. Members of the Association of United Internet Consumers (AUIC) have access to this insurance, online discount programs including discount prescription drugs, and educational materials. As a member of AUIC, you are eligible for exclusive rates and plans. AUIC membership is available at time of insurance enrollment. This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator" at P.O. Box 333, Newport NJ 08345.Telephone (800) 609-0683, Email firstname.lastname@example.org. Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. "Core Health Insurance" is a brand owned by SASid, not related to the operator of this web site but marketed under a producer license agreement.