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Ask Our Specialists
Hi, I am 67 years old and planning a trip from Ontario to Florida - 3 weeks starting Jan 7 2022. I had a angioplasty (Stent put in) 17 years ago (2006). Since then I have had no follow up issues - no issues related to my heart - or any other issues. Just want to confirm i can get medicakl insurance that will cover any emergency including acute onset of pre existing condition. Also want to make sure COVID emergency care is included - when I filled form (for a quote) in Online it mentions COVID excluded (Quote said Beacon Insurance. Thank you
An Acute onset is a sudden and unexpected emergency that comes on without symptoms or warning and requires immediate care within 24 hours and it's rapidly progressing. If whatever emergency that happens would be an expected issue because of the pre-existing condition, it would not be covered.
If it would not be expected, it could be covered. Until something happens and the claims department is able to obtain the medical report, there is not a way to know if there would be coverage as they cannot until then know what happened and what caused the issue. You want to think about Acute onset as a possibility of coverage.
If it's states Covid-19 Excluded, which Beacon does, it provides no benefits for Covid-19.
The plans that provide benefits for Covid-19 will state Included and will cover any medically necessary testing and treatment if contracted after the effective date of the policy.
We would recommend a plan that provides Acute onset benefits equal to your chosen policy maximum and Covid-19 coverage as well.
Please take a look at this plan option: /patriot-america-plus-insurance/
Please let us know if you have additional questions.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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