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Ask Our Specialists
I am interested in your insurance product for Medicare bridge insurance. Please answer a few questions: 1. Can the policy be renewed after one year for 3 additional months in state of Wisconsin? I understand states have different rules per your website. I need a policy for 15 months. 2. I understand once deductible is met, 100% is covered except pre-existing conditions. I have a pre-existing condition. So if something really went wrong (doubtful with this condition) and I needed hospitalization it would not be covered? I take meds and get checked periodically. 3. Policy covers both inpatient and outpatient correct? If deductible is met then annual physical exam with labs or urgent care visit would be covered? 4. How do I know what the savings are for negotiated fees or discounts if one stays within network? 5. I need insurance, effective 7/1/20. When should application be made and is done on paper app (on website) or is there electronic version?
Please see the answers below:
1.After your 364 days of coverage you can repurchase this plan up to 5 years provided you are eligible for the plan.
2.That is correct. The plan will not cover anything related to the pre-existing conditions.
3.The Bridge plan will not cover the cost of preventative care.
4.The network negotiated rates are not given out they are already established between the insurance company and the providers.
5. Unfortunately, there is not an electronic application as the plan is underwritten.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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