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Are pre-existing conditions covered by the program?
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Yes, after a twelve (12) month pre-existing condition limitation.
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Will I receive identification cards?
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Yes. Personalized, plastic, "wallet friendly" identification cards are sent to each member. The fulfillment kit
also contains phone numbers, web links and information describing how to use all the benefits included in your program.
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Can I use any doctor or hospital with the program?
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Yes, you may go to any doctor or hospital. However, you can receive substantial discounts for covered medical events when you visit a participating provider in the nationwide network included with the plan.
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Is there a co-payment amount? Is there a deductible?
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There are NO co-payments or deductibles on the program benefits. A $100 deductible will apply if you select the Accident Medical benefit under the Homeland Value Benefits and a $10 or 50% co-pay on your prescription drug benefit.
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How do members pay for covered events or file claims?
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At the time of a visit, members or their covered family members should present their medical identification card to the provider. The back of their identification card has all the information the provider needs to verify benefits and file claims. The providers may require the full amount due at the time of service if you are filing your own claims. There are no claim forms. You or the provider should simply send itemized statements detailing the medical visit to the claims address printed on the back of the identification card.
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Do members need to file claims?
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With Homeland Value Added Benefits, which include Homeland Wellness Panel, Prescription Drug Benefit and
Consult A Doctor, there are no claims to file. The discount is provided at the time of service. It is important
that members present their cards during their visit. (If they need service and have not received their cards, they can call 1.800.493.4240.)
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When can members begin using their prescription drug card and other discount benefits?
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Members can begin using their benefits on the effective date of coverage, subject to the terms and conditions of the health plan they choose. The effective date of coverage will always fall on the first day of the month.
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What if I need to go to the doctor and I have lost my card or haven't received it yet?
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If the coverage is in effect and you do not have your identification card, you can contact Homeland HealthCare toll free at 1.800.493.4240. We will provide the doctor with verification of coverage and all of the information needed to process your claims.
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