Pre-Existing Conditions Explained
What are Pre-Existing Conditions?
How are Pre-Existing Conditions Determined?
INF Health Care Policies define pre-existing conditions as any condition within the past 12 months which has: 1) Worsened, become acute, or exhibit symptoms which cause a person to seek medical treatment 2) required the used of prescribed drugs (such as Lipitor or Janumet) 3) Been treated by a Doctor or treatment recommended by a Doctor.
The INF Elite Network & INF Premier Plan (underwritten by CHUBB) cover all pre-existing conditions. This means we cover Out-Patient care (i.e. specialist care, doctors visits, & urgent care clinic) with regard to pre-existing conditions.
Why do only INF Plans cover Pre-Existing Conditions?
INF Health Care has been providing the community with visitors insurance for over 30 years. Since we were the first in this industry, we have the longest track record & claims record. We manage our own programs, allowing us to work directly with the underwriters and create unique programs for the community.
INF Health Care is a community organization & we care about our members and their needs. For these reasons, we are the only insurance which provide full pre-existing condition coverage.
Can I get a complete Physical Check Up?
Physicals & regular Doctor's check ups are not covered by any visitors insurance policy. These are considered preventive care, which are not covered by these types of policies.
Am I covered for Dental & Vision with INF?
INF Plans come with the Careington POS Discount Card. This plan provides dental discounts of up to 50% of many procedures. The Discount Card also comes with a prescription discount card- which is accepted at 58,000 pharmacies across the country & a vision discount card as well.
Are pregnancy & prenatal care covered?
Pregnancy & Childbirth are covered under the Standard, Premier, SelectCare, Choice, and Advantage Plan.
The doctor makes a diagnosis based on a number of factors, including lab tests, patient health history, and an examination of the patients symptoms. From this process, the doctor can determine if a medical condition is caused by a pre-existing condition. This information is then shared with the insurance company.
Who should purchase Pre-Existing Coverage ?
It is highly recommend to enroll for pre-existing condition if you meet any of the following:
It is better to be covered than to risk paying for high medical bills, especially when exhibiting anyone one of these risk factors.
Why Should I Purchase Pre-Existing Coverage?
We take insurance to protect against the unknown. We don't know when a heart attack may come, but we do know there is an elevated chance if our visitor has high blood pressure or diabetes.
An analysis of our claims data showed the average heart attack in the United States costs $7,300, with San Jose the highest at $10,800. Pre-Existing Coverage for Visitors is the best way to protect your family against an unexpected financial burden of large medical bills.
INF Plans have a claims payments historical rate of 100%. This means we will pay all eligible claims out, no matter what. Get the peace of mind you need with INF Health Care.
Will INF Health Care cover a surgery I need?
The answer is Yes & No. Surgeries regarding a pre-existing condition will be covered underneath the INF Premier & INF Elite Network Plans. Emergency surgeries (i.e. acute onset) will be covered underneath the INF Choice & INF Advantage Plan. That being said, if your intent is enrolling in the insurance to seek medical treatment, there is no insurance which will cover the surgery.