Homeland HealthCare Group Employer FAQ

Some of my employees have a pre-exsisting condition. Will they still qualify?: Yes, however there is a 12 month waiting period before benefits are available for pre-existing conditions.
Will my employees receive ID Cards?: Yes, personalized, plastic and wallet friendly ID cards are sent to each member. The fulfillment kit also contains phone numbers, web links and information on how to use all the benefits included in your program.
Can my employees use any doctor or hospital with the program?: Yes, they may go to any doctor or hospital. However, they can receive substantial discounts for covered medical events when they visit a participating provider in the nationwide network included with the plan.
Is there a copayment amount? Is there a deductible?: There are NO copayments or deductibles on the program benefits. However, a $100 deductible will apply if an employee accesses the Accident Medical benefit under the Homeland “Value Added Benefits.”
How do employees pay for covered events or file claims?: At the time of a visit, employees should present their medical ID card to the provider. The back of their ID card has all the information their provider needs to verify benefits and file claims. The providers may require the full amount due at the time of service if your employees are filing their own claims. There are no claim forms necessary. Employees or their providers should simply send itemized statements, detailing their medical visits, to the claims address printed on the back of the ID card.
How does the prescription/vision/lab plan work? Do my Employees need to file claims?: With Homeland HealthCare Value Added Benefits (including lab and imaging, vision, prescription, etc.), there are no claims to file. The discount is provided at the time of service. So it’s important that employees present their cards during their visits. (If they have not received their cards, employees can call 1.800.493.4240.)
When can my employees begin using their prescription drug cards and other discount benefits?: Employees can begin using their benefits on the effective date of coverage, subject to the terms and conditions of the health plan they choose. The effective date of coverage will always fall on the first day of the month.
What if an employee needs to go to the doctor and has lost their cards or haven’t received them yet?: If the coverage is in effect and employees do not have their ID cards, they can contact Homeland HealthCare toll free at 1.800.493.4240. We can provide their doctors with verification of their coverage and all the information needed to process their claims.

Featured Carrier: Chartis

Homeland HealthCare offers limited benefit health insurance underwritten by Chartis, a world-leading organization serving more than 40 million clients in more than 160 countries and jurisdictions. With a 90-year history, one of the industry's most extensive ranges of products and services, deep claims expertise and excellent financial strength, Chartis enables its clients to manage virtually any risk with confidence.

Featured Carrier: Markel

Some of Homeland HealthCare’s limited benefit health insurance plans are underwritten by the Markel Insurance Company. With an A.M. Best rating of "A" (excellent), Markel Accident & Health has developed the Markel Basic Health Insurance product to meet the needs of employers looking to provide a lower-cost alternative to comprehensive major medical insurance for their employees.

Featured VAB: Consult A Doc

Consult A Doctor’s mission is to improve health and reduce health care costs by creating innovative consumer-driven health care solutions for employers and individuals that meet their health care needs of today and tomorrow. Consult A Doctor’s innovative solutions remove the many barriers that currently exist between patients and physicians - geographical, economical and psychological - that discourage consumers from seeking needed preventative and/or ongoing health care.