BP

Bridge plan

Comprehensive Coverage
AM Best Rating
A
Administrator/Underwriter
PIU
Lloyd's of London
80%
In Network

After deductible, the plan pays 80% up to the policy maximum.

100%
Out of Network

Plan pays 100% of the first $10,000 and 100% up to the policy max

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Comprehensive Coverage Plan
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Coverage from 10 days to 12 days
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Urgent Care

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 residents of the following states: Alaska, California, Colorado, Connecticut, Delaware, Iowa, Kentucky, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, New Jersey, New York, North Carolina, Rhode Island, South Carolina, South Dakota, Tennessee.
Please contact us if you need assistance.

Please review Bridge Plan Insurance Brochure brochure or policy document brochurefor complete and accurate coverage information.

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 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

Maternity

Not Covered

Brochure

Support

Plan Administrator Company

PIU

Carrier / Underwriter

Lloyd's of London

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-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

Not Renewable

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 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: Alaska, California, Colorado, Connecticut, Delaware, Iowa, Kentucky, Maine, Maryland, Mississippi, Missouri, Montana, Nebraska, New Jersey, New York, North Carolina, Rhode Island, South Carolina, South Dakota, Tennessee

Country Restrictions

No restriction. Only requirement is to provide a US address while purchasing the policy

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.

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.