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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.
Bridging The Gap To Medicare Eligibility
1 Month to 364 Days
The Bridge Plan is a major medical insurance plan intended for persons aged 60-95 who are awaiting acceptance as a participant in the U.S. Medicare System. All permanent residents of the United States are eligible for Medicare at some point in time. Foreign nationals are usually eligible to purchase Medicare Parts A & B five years after becoming U.S. residents. While awaiting enrollment in Medicare, they may apply for coverage through The Bridge Plan. The Bridge Plan is set up to be as simple as possible - No co-pay & No coinsurance.
Covered expenses include semi-private room and board charges, general nursing, miscellaneous hospital services and supplies, drugs, x-rays, laboratory tests and operating rooms.
Such costs are covered, including medically necessary out-patient treatment. A physician must certify the need of such care.
Such costs are covered following a necessary hospital confinement of three days or longer and begins within 30 days following the hospital confinement.
Skilled care at home is covered if such care is deemed to be medically necessary.
The costs of physician and surgeon services are covered on either an in-patient or out-patient basis.
Supplies, therapy and ambulance services, along with out-patient x-rays, laboratory tests and advanced imaging services are covered if prescribed as medically necessary.
The Bridge Plan is a temporary plan and has a maximum policy period of 364 days. At the end of the 364 days, you may apply for a new term of insurance. Individual state restrictions apply which may restrict policy term lengths and the ability to reapply for new coverage.
This plan allows you to cancel coverage and receive a full refund up to 10 days from when the certificate of insurance was received.
The First Health Network has providers in all 50 states. The network has more than 5,000 hospitals, over 90,000 ancillary facilities, and over 1 million health care professional service locations in the network. To locate a provider please use the following information: First Health PPO Network
You may receive diagnosis and treatment of your Sickness or Injury from a Provider within the PPO Network, at your option. To find a Provider within the PPO Network please review the information on Your identification card. By utilizing the PPO network, you may receive discounts and savings for any incurred eligible expenses. Utilizing the PPO network is not required, and it does not guarantee that benefits will be payable or that the Provider will bill us directly. You have the option to see any provider whether they are in-network or out-of-network.
We allow the insured to see any provider even if they are outside of the PPO Network. PPO Network discounts do not apply for treatment received out of network and expenses will be reimbursed up to UCR.
Age | Platinum $1,000,000 Maximum Benefit $1,000 Deductible | Gold $500,000 Maximum Benefit $2,500 Deductible | Silver $250,000 Maximum Benefit $5,000 Deductible | Bronze $100,000 Maximum Benefit $10,000 Deductible |
---|---|---|---|---|
60 | $844 | $568 | $376 | $284 |
61 | $848 | $586 | $397 | $302 |
62 | $854 | $604 | $419 | $320 |
63 | $858 | $621 | $443 | $340 |
64 | $862 | $639 | $465 | $358 |
65 | $867 | $657 | $488 | $376 |
66 | $871 | $675 | $510 | $394 |
67 | $875 | $692 | $532 | $414 |
68 | $879 | $710 | $555 | $433 |
69 | $885 | $728 | $577 | $451 |
70 | - | $746 | $599 | $471 |
71 | - | $764 | $623 | $491 |
72 | - | $782 | $644 | $509 |
73 | - | $800 | $666 | $527 |
74 | - | $817 | $690 | $545 |
75 | - | $835 | $711 | $565 |
76 | - | $853 | $735 | $583 |
77 | - | $871 | $757 | $601 |
78 | - | $888 | $779 | $620 |
79 | - | $906 | $802 | $639 |
80 | - | - | - | $782 |
81 | - | - | - | $807 |
82 | - | - | - | $830 |
83 | - | - | - | $853 |
84 | - | - | - | $876 |
85 | - | - | - | $901 |
86 | - | - | - | $924 |
87 | - | - | - | $947 |
88 | - | - | - | $972 |
89 | - | - | - | $995 |
90+ | Contact Our Office For Options |
Medicare will usually accept people who have been a permanent resident of the United States for at least five years. This does not require citizenship or any pre-payment into Social Security prior to eligibility. The only requirement is that they must pay a monthly premium to have both Part A and Part B.
The Bridge Plan is available to persons who have become permanent residents of the United States and who are within the five year waiting period for Medicare eligibility.
Some people may be eligible for Medicare due to age and qualifications, but have failed to enroll. Enrollment is not automatic. Social Security does not remind people to enroll. If a person misses the enrollment period, that person must wait to enroll at a later date. This process may take as long as 18 months!
The Bridge Plan will cover that person with benefits similar to Medicare until the next enrollment opportunity.
Some people, for various reasons, have only Part A or Part B. They may be able to acquire the additional part through Medicare, but at a later date.
The Bridge Plan may be sold with both Part A and Part B, just Part A, or just Part B.
The condition will be considered a pre-existing condition on any new term of insurance.
Each policy has an exclusion for pre-existing conditions which has a 12 month look back. Since the condition will always require medication and regular care, it will fall into the pre-existing condition definition.
Due to the cardiac event, underwriters will most likely place a permanent exclusion for the entire cardiovascular system including heart attack and stroke.
Premiums will adjust every new term of insurance by age and any other underwriting ratings at that time. Premiums typically follow the chart from the current brochure.
Prescriptions will be covered during a hospitalization. Maintenance medication is typically covered by a Medicare supplement under Medicare Part D and is not covered under the Bridge Plan.
No, the premium is not due until the coverage has been approved by underwriters. If the payment is set up to be automated on a monthly basis, the payment will be drafted the day of the month the coverage became effective.
Pre-existing Condition means a condition caused or contributed to by a Sickness or Injury for which medical advice, diagnosis, care or treatment, including the use of prescription medication, including but not limited to ongoing conditions(s), was recommended by or received from a licensed health care practitioner, and/or any symptom(s) and/or any condition(s) which would have caused a reasonably prudent person to seek medical attention during the twelve (12) months immediately preceding the effective date of the insurance described in this Certificate, whether disclosed or not on your application.
Health complications resulting from Medically-Controlled Hypertension will not be considered a Pre-existing Condition.
The insurance described in this Certificate will terminate upon the Expiry Date of this Certificate, or your eligibility for the United States Medicare System, whichever occurs first. It is your responsibility to enroll in Medicare when you are first eligible.
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not "minimum essential coverage."
This is not intended to be a complete outline of coverage. Actual wording may change without notice.
Underwriters reserve the right to modify terms and benefits at time of underwriting.
This insurance is underwritten by Certain Underwriters at Lloyd's, London
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
This is not intended to be a complete outline of coverage. Actual wording may change without notice. Underwriters reserve the right to modify terms and benefits at time of underwriting.
Version: Bridge Plan 01-01-2023
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