FAQ

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" height=60 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="057003c0egerdp.jpg"> <div> <IMG SRC="1b024240.png" border=0 width="36" height="36" ALIGN="BOTTOM" HSPACE="0" VSPACE="0">hospitalplans.com<FONT SIZE="4" COLOR="#CC0000" FACE="Times New Roman" > </FONT></div> <div> </div> </td> </tr><tr> <td valign="top" height=380 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> F<FONT SIZE="3" COLOR="#000000" FACE="Arial" >requently asked questions:</FONT></div> <bR> <div> Pre-existing conditions: The new insurance plan will cover you for pre-existing conditions if  you have had 12 months of continuous coverage. If you have had less than 12 months you will be credited with the time you have had coverage, However, if there is more than 63 days without coverage between  plans you will lose all credit for prior coverage.</div> <bR> <div> Pregnancy/Maternity is an expensive option. If you get pregnant with certain carriers and do not have maternity coverage, complications of pregnancy are covered. Thus you are at risk for the cost of the delivery only. With other companies, if you do not have maternity coverage, complications of pregnancy are not covered and the risk then becomes huge. If you get pregnant and the employer's open enrollment becomes available, jump on because there is no pre-existing exclusion for maternity. Even if you have the baby the day after you are covered under the employer' plan, the full hospital cost is covered from that day forward! Food for thought.</div> <bR> <div> When does the policy start? The effective date with some companies is any day of the month you choose. Other companies start only on the 1st and the 15th of the month. When a policy starts mid-month you may have to pay the partial month plus the full month premium to start the policy.</div> <bR> <div> How long do I wait for my ID card. ID cards usually are received 10 days to 2 weeks after the approval of the application. You have coverage from the effective date of the policy. If you do not have an ID card but go to the doctor, have the doctor's office call the insurance company and give them your social security number. This will work for most companies. If the insurance company confirms your coverage, the doctor's office will bill the insurance company and only request the office copay from you.</div> <bR> <div> How can you pay? If your employer will pay it out of your paycheck, the insurance company can bill the employer. If you leave the job you are responsible to inform the insurance company to change the billing.  You can write a check and with several insurance companies pay monthly, You can have it withdrawn from your checking account (be sure to tell the insurance company to cancel the  policy when you don't want it any longer, You can even use a credit card with some companies but be absolutely sure to cancel in writing when you terminate the policy. With many companies you do not submit a check with the application. They bill you when the policy is approved.</div> <bR> <div> What If you are uninsurable? There are alternatives and guaranteed issue policies. Call us and we will help educate you to what is available and what you can do.</div> <bR> <bR> </td> </tr><tr> <td valign="top" height=40 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <A HREF="id214.htm" TARGET="_top" TITLE="advice common sense"><U><B><IMG SRC="05142200.jpg" border=0 width="66" height="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B> </B><A HREF="id207.htm" TARGET="_top" TITLE="PPOs,HMOs explained"><U><B><IMG SRC="04e42200.jpg" border=0 width="66" height="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>    </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="66"><B> </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="66"></div> <bR> </td> </tr></table></body>