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Ask Our Specialists
I am confuse on what is the coverage exactly for Exchange Guard. Can you break it down for me please? In case of accidents, what expenses are included, hospitals. Do you cover visit at the doctors "in network"? And clinic visits for non emergencies?
The ExchangeGuard plan will primarily provide coverage for new illnesses, injuries or accidents which occur after the effective date of the policy. For any eligible medical expenses the plan will pay either 100% up to the policy maximum, after the deductible or 80% of the first $5,000, and then 100% to the policy maximum. You have the option to select out of one of these two coinsurance options. This plan has two options either the Choice or Essential. The ExchangeGuard Essential has a 12 month waiting period for pre-existing conditions, and the ExchangeGuard Choice has a 6 month waiting period before pre-existing conditions are covered in the amount of $500.
This plan utilizes the First Health PPO network. You may visit any provider you'd like, but in-network providers have agreed to contract negotiated rates and are more likely to provide direct billing. Please use the link provided below to search for providers within your area.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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