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Frequently Asked Questions
1. What makes Health Access Plans limited-benefit plans?
Health Access limited-benefit plans are an affordable option for everyday health care needs. They are not major medical health plans and are not replacements for them. Health Access Plans have calendar year maximums. Certain dollar limits are in place for:
- Brand and generic prescriptions
- Emergency room services
- Inpatient and outpatient hospital services
- Surgical services
- Ground and air ambulance
Please note Health Access Plan A does not cover some of the services listed above. Limited-benefit plans are an affordable solution to going without coverage. They provide access to services people value most, like doctors’ office visits and prescriptions. Limited-benefit plans also deliver benefits for preventive care and immunizations. They also provide savings through discounts for services by in-network providers.
2. Who is eligible for the Health Access Plans?
The eligibility rules include anyone through age 63.
3. How much do Health Access Plans cost?
Plan premiums start as low as $40 per month. You can get quick pricing information from the comprehensive plan brochure or the rate sheet. In certain states, a Health Advocates Alliance membership (includes 24-hour Nurse Line access) is required and is only $4 per month.
4. What is the difference in offerings between the three Health Access Plans?
Health Access Plan A is not subject to medical underwriting and is issued without pre-existing condition limitations. It provides limited benefits for services such as doctors’ office visits, wellness care, and outpatient diagnostic services (subject to per office visit and calendar year limits). Health Access Plans B and C require limited medical underwriting questions for eligibility and provide limited coverage for physician services, plus hospitalization, outpatient medical services, ambulance, and emergency room subject to calendar year limits. See the plan brochure for details on plan benefits and limitations.
5. Are there pre-existing limitations?
Health Access Plan A is not subject to any pre-existing limitations. For Health Access Plans B and C, no benefits are paid for charges incurred due to a pre-existing condition until an insured has been continuously insured under the plan for 12 months. State variations apply. See brochure or contract for pre-existing definition.
6. Can Health Access Plans be set up for dependents only?
Yes. Health Access Plans are often an affordable alternative to adding dependents to major medical plans. They are also a solution for dependents who are not covered by employer plans.
7. Do policyholders receive network discounts?
Yes. Doctors and hospitals in the MultiPlan Limited Payor Network may give discounts for covered charges even if benefit maximums are reached.
8. Can a Health Access Plan be paired with an existing health plan?
A Health Access Plan cannot be paired with an Assurant Health Individual Medical, Small Group or Short Term Medical plan at this time, but can be a perfect supplement to other carriers’ health plans. Adding Health Access Plan A to a high-deductible health plan is a good way to provide first dollar benefits. Note: Health Access Plans should not be sold with HSA-qualified plans.
Please note Health Access Plan A does not cover some of the services listed above.
Limited-benefit plans are a viable, affordable solution to the rising cost of health care. They provide affordable access to services people value most, like doctor office visits and prescriptions. Limited-benefit plans also deliver benefits that help keep people healthy, like preventive care and immunizations, which may reduce the need for health care down the road.
For specific costs and further details of the coverage, including exclusions, reductions, limitations, and the items under which coverage may be continued in force, contact your agent.
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