Bridge Plan Insurance

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Bridge plan Insurance

Plan pays 80% to $10,000 and then 100%

For age 60 years or over

Policy term Up to 11 months

Any Doctor & Any hospital

Renewable and Cancelable

Not Available in certain States*

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Out-Patient
Dr. / Physician Visit	Covered
Surgical Treatment	Covered
Prescription Drugs / Medicines	Not Covered
Lab & X-rays	Covered
Physical Therapy	Covered if prescribed by physician
In-Patient
Hospital Room	Covered ( Part A)
Surgical Treatment	Covered
Hospital Intensive Care Unit	Covered ( Part A)
Drug/Alcohol Abuse	Not Covered
Emergency Services
Ambulance Expenses	Covered
Emergency Room(ER)	Covered
Dental
Acute, spontaneous and unexpected pain	Not Covered
Accidental emergency	Covered
Travel
Emergency Medical Evacuation / Repatriation	Not Covered
Return of mortal Remains	Not Covered
Emergency Reunion	Not Covered
Return of minor Child(ren)	Not Covered
Trip Interruption	Not Covered
Loss of checked Baggage	Not Covered
Life
AD&D	Not Covered
Common Carrier Accidental Death	Not Covered
Other
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 (Coverage starts only after 24 months from inception date of 1st policy, provided the insured has been treatment free during this period)
Maternity	Not Covered
Brochure	Bridge Plan Insurance Brochure
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Plan Administrator Company	PIU
Carrier / Underwriter	Lloyd's
Eligibility	U.S. Citizens Or 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-Pay	No Copay
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
US States Restriction	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
Home Country Definition	The country where the covered person has his/her true, fixed, permanent home and principal establishment.
Country Restriction	No restriction. Only requirement is to provide a US address while purchasing the policy


	Disclaimer Plan features listed here are 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 Benefits, 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.

Bridge Plan Insurance FAQs
Q :Which doctor or hospital can I go to? 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.

Bridge Plan Insurance FAQs

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

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