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Homeland HealthCare Member FAQ
- I have a pre-existing condition. Will I still qualify?
- Yes, however there is a 12 month waiting period before benefits are available for pre-existing conditions.
- Will I receive an ID Card?
- 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 I use any doctor or hospital with the program?
- Yes, you may go to any doctor or hospital. However, you can receive substantial discounts for covered medical events when you 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 you access the Accident Medical benefit under the Homeland “Value Added Benefits”.
- How do I pay for covered events or file claims?
- At the time of a visit, present your medical ID card to the provider. The back of your ID card has all the information your provider needs to verify benefits and file claims. The providers may require the full amount due at the time of service if you’re filing your own claims. There are no claim forms necessary. You or your providers should simply send itemized statements, detailing the medical visits, to the claims address printed on the back of the ID card.
- How does the prescription/vision/labs plan work? Do I 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 you present your card during your visits. (If you have not received your card, call 1.800.493.4240.)
- When can I begin using the prescription drug cards and other discount benefits?
- You can begin using your benefits on the effective date of coverage, subject to the terms and conditions of the health plan you choose.
- What if I need to go to the doctor and I’ve lost my card or haven’t received it yet?
- If the coverage is in effect and you don’t have your ID card, contact Homeland HealthCare toll free at 1.800.493.4240. We can provide your doctor with verification of your coverage and all the information needed to process your claim.
- Can I use the doctor I have now?
- Absolutely, and if you’re in the network, your bill should be reduced in addition to the benefits paid.
- What if my doctor is not on the network?
- You’ll still receive the scheduled benefit. We can nominate your doctor if he or she is willing to join the network.
- Will this cover me outside of my hometown?
- Yes, in fact this plan offers a huge nationwide PPO network so you can never be “out of the service area.”
- What if I have more doctor visits in a year then the plan allows?
- Each plan has a specified amount of covered visits. If you surpass this limit you can continue seeing your doctor at full price. Or take advantage of your Consult A Doctor benefit, which provides free, over-the-telephone doctor visits.
- Can I have other insurance in addition to this?
- Yes, this plan pays in accordance with its benefit schedule regardless of other insurance you may have. In fact, in some situations this is ideal; however, we do not recommend combining plans that duplicate coverage.
- Can I have this plan if I am on Medicare?
- No, only persons age 18-64 are eligible for the program.
- What if I have an emergency and there are no network facilities where I am?
- No reduction in emergency benefits will occur for emergency treatment received outside the network.
- Can I change my coverage plan whenever I want to?
- If you need to reduce your plan or remove dependents, you can do so at any time by contacting Member Services. You can only increase your coverage or add dependents on the anniversary date of your policy.
- How does Consult A Doctor work?
- Simply call 1-888-846-6406 or visit www.homeland.consultadoctor.com to enroll. After enrolling, you’ll be able to talk with a doctor who is capable of prescribing any medication you may need, 24 hours a day. There is also an email address that promises a response usually within 3 hours.
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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.
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.
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.