What is a Certificate Period? ChoiceAmerica plan says upto 10 times Outpatient physician visit. Is that for the entire period I select? For example 3 months, will it be 10 times for entire 3 months period? What if I split that by 2 like I purchase 2 insurances for 45 days each? Will it be 10 times for each 45 days?
You are right Suneel. “Per certificate period,” or “per policy period,” means the total time period. For the ChoiceAmerica Plan, like all other limited coverage plans, if you have a policy for three months, the insurance would cover for 10 outpatient visits over the period of those three months.
If you want, you can buy the policies for a short period of time, and then renew the plan. Renewal is considered as a continuation of the same policy, so the same 10 visit maximum would apply. For a three month policy, if someone completes 10 physician visits in the first 45 days, then they would not be covered for any more physicians visits for the remaining 45 days.
Alternatively, you can buy a new policy instead of renewing the existing policy after 45 days, but this is not recommended. Depending on the age of the person, there are requirements that the plan has to be purchased within one month of arrival in the USA.
Also, if a medical situation arises in the first 45 days of a three month policy and you decide to buy a new policy instead of renewing the existing one, this medical condition would be treated as a pre-existing condition for the new policy, and would not cover for it. Because of the restricted number of visits, and amounts associated with limited coverage plans, we usually recommend people to choose percentage-based comprehensive plans like CoverAmerica - Gold.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else