Bridge plan
Comprehensive Coverage- AM Best Rating
- A
- Administrator/Underwriter
- PIU
Lloyd's of London
In Network
After deductible, the plan pays 80% up to the policy maximum.
Comprehensive Coverage Plan
Coverage from 10 days to 364 days
PPO
No PPO Network/ You can go to any doctor 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 the resident 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 
or policy document for 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
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.
