BP

Bridge plan

Underwriter: Lloyd's
Policy info
Plan Administrator: PIU
Carrier: Lloyd's
AM Best Rating: A(Excellent)

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 brochure or policy document brochurefor complete and accurate coverage information.

All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Here is a complete list of benefits of Bridge plan
Dr. / Physician Visit
Covered
Surgical Treatment
Covered
Prescription Drugs / Medicines
Not Covered
Lab & X-rays
Covered
Physical Therapy
Covered if prescribed by physician
Hospital Room
Covered ( Part A)
Surgical Treatment
Covered
Hospital Intensive Care Unit
Covered ( Part A)
Drug/Alcohol Abuse
Not Covered
Ambulance Expenses
Covered
Emergency Room(ER)
Covered
Acute, spontaneous and unexpected pain
Not Covered
Accidental emergency
Covered
Emergency Medical Evacuation / Repatriation
Not Covered
Return of Remains
Not Covered
Emergency Reunion
Not Covered
Return of minor Child(ren)
Not Covered
Trip Interruption
Not Covered
Loss of checked Baggage
Not Covered
AD&D
Not Covered
Common Carrier Accidental Death
Not Covered
Cataract Surgery
Limited to Maximum Benefit of $ 2,000
Cancer
Limited to Max of $ 25,000 for 1st 180 days after inception of first policy After 1st 180 days, benefits are paid as any other condition
Cardiac
Limited to Max of $ 25,000 for 1st 180 days after inception of first policy After 1st 180 days, benefits are paid as any other condition
Mental Illness
Not Covered
Alzheimer's Desease
Limited to Life time Max of $ 25,000
Hazardous Sports Coverage
Not Covered
Plan Exclusions
Any expense which you are not legally obligated to pay; services which are not 1) made by Medicare or any other private or public program; expenses incurred in excess of usual, customary, and reasonable charges in your home area; 2) outpatient drugs; 3) self-infl icted injuries while sane; 4) treatment of alcoholism, drug addiction, allergies, and nervous or mental disorders;5) rest cures, quarantine or isolation; cosmetic and plastic surgery unless necessitated by an accidental injury; 6) dental exam, dental x-rays and general dental care except as the result of an accidental injury; 7) eye glasses; 8) hearing aids; general or routine exams; 9) coverage outside the boundaries of the United States; 10) injuries due to war or any act of war, whether declared or undeclared; or while committing a criminal or felonious act; or 11) expenses for or resulting from subjective pain. 12) Injuries sustained from participation in hazardous sport (mountaineering, hang gliding, scuba diving, etc.); 13) Th is policy will automatically cease upon eligibility of the insured into the United States Medicare System. It is your responsibility to enroll in Medicare when you are first eligible.
Pre-Existing Conditions
Not Covered
Maternity
Not Covered
Disclaimer
The comparison of insurance plans shown below is generic and high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benifits, Limitations, and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.