Bridge plan insurance is a comprehensive health insurance for permanent residents, green card holders, waiting for Medicare or not currently eligible for Medicare. Bridge Medical Insurance Plan is perfect to cover senior citizens in the transition period between traditional insurance and Medicare. The expenses eligible for payment under the policy is subject to deductible, co-insurance and limitations as outlined by the policy. This temporary plan is similar to Medicare policy that comes in two parts. Part A covers hospitalization, hospice, nursing, and home health care; Part B covers the costs of physicians and surgeons, ambulances and other medical needs. You can choose either of the option or both .The Bridge Insurance plan covers for 80% for first $10,000 and 100% thereafter.
Note: The Bridge Plan is not available for the resident of the following states:
Delaware, Iowa, Kentucky, Mississippi, Montana, Nebraska, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Tennessee, Wyoming.
Please contact us, if need any assistance.
Please review Bridge Plan Insurance Brochure or policy document for complete and accurate coverage information.
Here is a complete list of benefits of Bridge plan
- US States Restrictions Restricted States: Delaware(DE), Iowa(IA), Kentucky(KY), Mississippi(MS), Montana(MT), Nebraska(NE), New Jersey(NJ). New York(NY), North Carolina(NC), Rhode Island(RI), Tennessee (TN) are restricted for a correspondence address
- Country Restrictions No restriction. Only requirement is to provide a US address while purchasing the policy
- The country where the covered person has his/her true, fixed, permanent home and principal establishment.
- Coverage in U.S.A. Covered
- Coverage outside U.S.A. Not Covered
From 1day to 12 months,
can be renewed up to 5 years
|Plan Administrator Company||PIU|
|Carrier / Underwriter||Lloyd's|
|Eligibility||U.S. Residents awaiting the Medicare eligibility awaiting Medicare or without Medicare Part A or B above the age 60 .To be eligible for Bridge Plan coverage, you must not be eligible for Medicare.|
|Plan Type||Comprehensive Coverage Plan Percentage based coverage.|
|AM Best Rating||A|
|Coverage in U.S.A.||Covered|
|Coverage outside U.S.A.||Not Covered|
|Co-Insurance|| First: 20% for first $10,000
Then: 0% up to policy max
|How the Benefits are Paid||After the deductible, the program pays 80% of the first $10,000 of eligible expenses; then it pays 100% up to the policy maximum.|
|Coverage Type||Lifetime of the policy|
|Deductible Type||Choose between deductible based on per incident or per policy perid|
|Renewability||Renewable up to 5 years at the option of Underwriters|
|Cancellation||Cancelable only if the insured becomes eligible for Medicare|
|PPO Network||No PPO Network/ You can go to any doctor|
|Coverage Length|| From 1day to 12 months,
can be renewed up to 5 years
|Available Deductibles||$1,000, $1,500, $2,500, $5,000|
|Available Coverage|| Ages 60-74: $250,000
Ages: 75-79 : $100,000 Max
Ages: 80 and over: $ 50,000 Max
|Provider Directory||By Provider, Phone Nos. : 800-345-8816 or 661-254-0006|
|Plan Brochure||Bridge Plan Insurance Brochure|
|Home Country Definition||The country where the covered person has his/her true, fixed, permanent home and principal establishment.|
|US States Restrictions||Restricted States: Delaware(DE), Iowa(IA), Kentucky(KY), Mississippi(MS), Montana(MT), Nebraska(NE), New Jersey(NJ). New York(NY), North Carolina(NC), Rhode Island(RI), Tennessee (TN) are restricted for a correspondence address|
|Country Restrictions||No restriction. Only requirement is to provide a US address while purchasing the policy|
Bridge Plan Insurance FAQs
No, with the Bridge Insurance Plan you can see any doctor and go to any hospital. The policy does not require that the insured go to a specific network of doctors and hospitals.
Q :If I have a claim under the first policy will the condition be considered a pre existing condition on the renewal?
The condition will be considered a pre-existing condition on the renewal of the policy.
Q :If I have a chronic pre existing condition such as diabetes necessitating regular treatment, will the policy provide coverage for medical expenses related to diabetes?
The policy will not provide coverage for expenses related to diabetes or any chronic conditions. The policy wording has an exclusion which requires 24 months, treatment free, before being covered.
Q :I had a heart attack 5 years ago; will this still be considered a pre-existing condition?
Due to the cardiac event underwriters will most likely place a permanent exclusion for the entire cardiovascular system including heart attack and stroke.
Q :How will my premiums be determined on the renewals?
Premiums will adjust each renewal year by age and any other underwriting ratings at that time.
Q :Will my prescription medications be covered under this plan?
Prescriptions will be covered during a hospitalization only. Maintenance medication is typically covered by a Medicare supplement under Medicare Part D and is not covered under the Bridge Plan Insurance.
Q :Do I need to pay the premium when I apply for the coverage?
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.