The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Hello, I am wondering if your plan meets UPenn's Insurance criteria for waiver. If the answer is yes to every question, I will be able to waive out of the Penn Insurance plan. Can you please let me know? What is the University's Insurance criteria for Academic Year 2018-2019? If you are covered under your own health insurance or that of your parents, you may maintain your coverage if it meets the following criteria: Your insurance plan must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. telephone number. The company must have a process to remit payments to providers within the U.S. Your insurance plan must provide coverage for pre-existing conditions, or have been in effect long enough that any waiting period has passed. Your insurance plan must offer an annual maximum benefit of at least $2,000,000. Your insurance plan must provide for both in-patient and out-patient mental health care in the Philadelphia area. A policy that provides only emergency or urgent mental health care services in this area does not meet this requirement. Your insurance plan must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including routine office visits, specialist office visits, diagnostic testing, imaging and physical therapy. A policy that provides only emergency or urgent medical care in this area does not meet this requirement. If you are insured with an out-of-area managed care plan (i.e. HMO or similar plan), you should be aware that most managed care plans do not cover any care outside of the plan network other than urgent and emergency services. Unless your insurance carrier provides you with a rider for out-of-area coverage in the Philadelphia area, your waiver will not be approved.
Thank you for contacting Insubuy for your insurance needs.
Unfortunately, the requirements state that the plan must provide coverage for pre-existing conditions. All of the plans available have at least a 6 month waiting period so will not meet the requirement. If they will accept a plan with a waiting period then we would have plans available. If you have additional questions please feel free to contact our office.
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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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