Can I buy insurance if I haven't received my F1 visa yet?
You can still begin the purchasing process, but your plan will be based on the start and end dates of your F1 visa. Starting the process early can help move the process along.
Who is eligible for F1 health insurance?
-Individuals under the of age of 65
-Individuals who hold both a valid F1 visa and a current passport
-International students with a full-time schedule and a valid I-20
What is an insurance waiver?
Schools provide students an option to waive out of school insurance so it is a great chance for students to save more.
It is essentially paperwork showing that you have sufficient medical coverage in case of a medical emergency. All of our plans are designed to be affordable for international students, while also providing the necessary coverage to satisfy the requirements of a school's insurance waiver policy.
Can I get a plan that also covers dental and vision insurance?
Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.
Are Tigerless Insurance packages upgradable after purchase?
We do not allow upgrades after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.
Which insurance plan will meet the requirements of my school waiver?
We have specifically crafted each plan to meet school waiver requirements while maintaining an affordable cost.
When am I required to enroll in a Tigerless Insurance plan?
You are required to enroll in an insurance plan before your school's enrollment deadline is reached. The deadline for each school is different, but we have them listed on our website. You can enroll any time before your school's deadline.
How long must I be enrolled?
We are required to adjust your enrollment dates for you per school guidelines to ensure that you have coverage for the entirety of the school year.
Can I buy a plan on a monthly basis?
No. You can purchase our plans for at least 90 days and only accept one-time payment. However, the required coverage period may vary depending on the school you enroll in.
When is my insurance plan activated?
We begin your enrollment period per your school's guidelines. This can be the next day, or it can be several weeks after your initial purchase.
How do I purchase a plan? Do I need to provide my Visa and/or other documents?
Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.
Will I receive a paper copy of my insurance card?
NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.
When do I have to purchase a plan to be waived?
You simply have to purchase your plan before your school's deadline. To find your school's deadline, check out the website.
How can I waive school insurance?
Go check our blog and find your school waiver instructions. Or contact us by phone, email or WeChat, we could walk you through the waiver process step by step.
School has approved my insurance waiver request. Why am I still charged for the school plan?
It usually takes 15-30 business days for your school to process the refund. If you have not received your refund after 30 business days, please contact your school for more information. The refund will appear on your student account before being credited to your bank account.
What should I do if my school rejects my waiver request?
The insurance waive application may be denied for a variety of reasons. For example, filling a wrong waive form, personal information mistakes, etc. If the above reasons occur, please contact our customer representatives right away, we will deal with your issues as soon as possible.
What materials do I need to submit to apply for waiver? Where can I get these documents?
Usually, schools will ask for an insurance ID card, insurance brochure, and confirmation letter. After the purchase, you could find these documents in your email or your Tigerless account.
Can I cancel or get a refund after my purchase?
NO. You are NOT allowed to withdraw or get a refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school. Processing fee is non-refundable.
Under what situation do I need to file a claim by myself?
If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.
How can I file a claim?
In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimburse procedures. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.
What information do I need to offer when I file a claim?
Please submit your claim application within 90 days after the date of medical service. We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.
How can I check the status of my claim?
To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.
How long does it usually take for a reimbursement to be processed?
In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.
Where can I find the claim form?
Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.
Who is eligible for OPT health insurance?
-Individuals under the of age of 65
-Individuals who hold both a valid F1 visa, a current passport, and with valid OPT status
Can I buy insurance if I haven't received my EAD card yet?
You can still begin the purchasing process, but your plan will be based on the start and end dates of your OPT status. Starting the process early can help move the process along.
Can I purchase OPT health insurance if I have not received the EAD card yet? What if I am in my 60-day Grace Period?
YES. You can purchase our OPT insurance as long as you have submitted your OPT application. It is okay if you are in your 60-day Grace Period.
Can I purchase health insurance for my spouse and/or children (F2 visa)?
No. However, as an alternative, we have plans specifically for F-2 visa holders, which are more low-cost.
Can I purchase Tigerless OPT insurance if I have a pre-existing condition?
Yes. However, there will be a waiting period for your pre-existing condition.
Can I get a plan that also covers dental and vision insurance?
Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.
Are Tigerless Insurance packages upgradable after purchase?
We do not allow upgrades to be purchased after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.
When can I enroll in a Tigerless Insurance plan?
You can enroll in an insurance plan any time after you apply for OPT.
How long should I be enrolled?
You are recommended to start your new coverage period on the expiration date of your last insurance plan. You may purchase a minimum of 3 months and a maximum of one full policy year of coverage at a time.
Can I buy a plan on a monthly basis?
No. You can purchase our plans for at least 90 days and only accept one-time payment.
When is my insurance plan activated?
Our health insurance can be effective as early as the second day after your purchase.
How do I purchase a plan? Do I need to provide my Visa and/or other documents?
Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.
Will I receive a paper copy of my insurance card?
NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.
Do Tigerless OPT plans provide a 1095 tax form?
Tigerless OPT plans will not provide a 1095 tax form.
Can I cancel or get a refund after my purchase?
NO. You are NOT allowed to withdraw or get a refund for any reason.
Under what situation do I need to file a claim by myself?
If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.
How can I file a claim?
In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.
What information do I need to offer when I file a claim?
Please submit your claim application within 90 days after the date of medical service. We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.
How can I check the status of my claim?
To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.
How long does it usually take for a reimbursement to be processed?
In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.
Where can I find the claim form?
Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.
Who is eligible to purchase H1B health insurance?
-Individuals who are in valid H1B status;
-Individuals age from 12-39.
I am a green card holder/ U.S. citizen. Am I eligible to enroll in Tigerless H1B plans?
No. Tigerless H1B plans are only available to people in H1B status. You can contact us for more information.
My employer provides a group health insurance plan but it is overpriced. Can I choose not to enroll in the group health insurance and purchase an individual plan?
Yes. You can choose to enroll in an individual plan rather than a group plan.
When can I purchase H1B health insurance?
There is no restriction of open enrollment for Tigerless H1B Health Insurance. You are eligible to purchase it when your H1B status is valid, including grace period, unemployment period and relocating, etc.
Am I eligible for Tigerless H1B plans if I just turned into H1B status?
Yes. You may purchase a minimum of 150 days of coverage at a time.
Should I re-enroll in the Tigerless H1B plan if I relocate to another state?
No, you don’t have to. Tigerless H1B plans use the Aetna network, covering 50 states.
Can I enroll my dependents into Tigerless H1B plans?
No. However, Tigerless provides various plans for people in different visa status including F1, OPT, J1, etc. They can enroll in these plans if necessary.
I am an employer. Can I purchase Tigerless H1B plans for my employees?
Yes. Please contact us for more details in the Support Center.
When does the insurance plan become effective?
Tigerless H1B plan will be effective from July 1st to the next September 30th. You may purchase a minimum of 150 days and a maximum of one full policy year of coverage at a time.
Do Tigerless H1B plans provide a 1095 tax form?
Tigerless H1B plans will not provide a 1095 tax form.Please consult your Tax Advisor.
Is it required to pay a tax penalty if I cannot get a 1095 form after I purchase Tigerless H1B plans?
In 2017, the Trump administration repealed the individual mandate (requirement for everyone to have health insurance), which applied in 2019. However, some states still have an individual mandate at the state level.
Can I buy a plan on a monthly basis?
No. The coverage period of Tigerless H1B health insurance plans start from 150 days and only accept one-time payment.
Can I cancel or get a refund after my purchase?
NO. You are NOT allowed to withdraw or get a refund for any reason.
How can I file a claim?
In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.
What information do I need to offer when I file a claim?
Please submit your claim application within 90 days after the date of medical service. We recommend you to submit Itemized Bill, Proof of Payment, Visa Status Document, and claim form to the claim department. Please check out our website for filing claims.
How can I check the status of my claim?
To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.
How long does it usually take for a reimbursement to be processed?
In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.
Where can I find the claim form?
Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance.If you need any additional assistance, you can always contact our Support Center.
Do I need auto insurance?
YES. In the United States, laws in nearly all states necessitate compulsory auto insurance: meaning that if you’re pulled over while lacking the same, you’ll face various consequences including fines, vehicle impoundment, license suspension, or even legal penalties.
What’s the difference between “partial” and “full” auto insurance coverage?
Generally, “partial” auto insurance includes only liability coverage. “Full” coverage, on the other hand, includes additional options such as medical payment, collision coverage, comprehensive coverage, etc. Note that auto insurance laws vary by state, meaning some areas may require vehicle owners to purchase full coverage (so policyholders should choose the appropriate insurance option based on their state's requirements).
How does age affect auto insurance premiums?
Data shows that premiums are generally higher for drivers aged 16-19 than other age groups, partly because the probability of traffic accidents is three times higher for these drivers than others. In the United States, drivers under the age of 25 are categorized as "young drivers," with the age of 25 serving as the threshold for premium reductions. Premiums rise once again at age 65 due to increased risk among older drivers. Aside from age, car insurance costs also depend on vehicle condition.
I already have auto insurance; how can I switch to a new provider?
① Contact your current insurance company and request to terminate the policy as of a specific date.
② Cancel automatic payments (if previously established) and unlink your bank account.
③ Purchase a new auto insurance plan before the renewal date of the previous policy.
What should I do after a car accident?
Take swift action following an accident: contact your insurer, document the other driver's details to prevent a hit-and-run charge, assess injuries on the scene, inspect your vehicle, collect evidence, and file a police report. Provide a statement to law enforcement and exchange personal and vehicle info with the other party. Your insurer will then assign an adjuster to manage the subsequent process, which may involve scheduling repairs, evaluating your vehicle's condition, and/or offering additional support.
Does my auto insurance coverage extend to family members I live with when they drive my car?
Yes; they too are covered. Even if their names are not on the policy, so long as your insurance does not explicitly exclude any household member, coverage extends to them as well.
What should I do if a friend borrows my car and gets into an accident?
In most cases, your auto insurance will act as the primary liability and provide coverage should an accident take place (with your friend’s auto insurance only coming into play as secondary liability after your insurance coverage limit is reached).
Be mindful when lending your car! In the event of an accident, your auto insurance will bear any initial losses; and if your friend has insufficient insurance coverage or refuses to accept these losses, you should be prepared to assume legal responsibilities and the like.
Why is pet insurance necessary?
① Medical expenses for pets, particularly those with hereditary diseases, can become prohibitively expensive when paid out of pocket.
② Pet insurance premiums rise with age, so insuring your pet early on offers optimal value (pre-existing conditions are typically not covered until insurance takes effect).
③ Optional pet insurance benefits include veterinary care, treatments, preventive services such as vaccinations and check-ups, and comprehensive daily care.
Which specific factors impact pet insurance costs?
Your premium will depend on several key factors including the type and breed of your pet, your location, pet age, reimbursement rate, annual limits, and deductible. Dog insurance is generally more expensive than cat insurance, and pet breed/age can also influence premiums. Pet insurance prices are sometimes higher in areas where veterinary care costs more and the risk of accidents is higher. Opting for higher annual limits, reimbursement rates, and lower deductibles will also lead to higher costs.
How can I use pet insurance?
① When your pet is sick or hurt, bring them to any licensed veterinarian in the U.S. or Canada for treatment and pay as usual.
② Submit claims online for any eligible expenses, providing detailed claim information as instructed and uploading copies of veterinary bills and other supporting documents.
③ Following quick claim processing, you’ll be reimbursed via check or direct deposit for covered costs up to the annual limit after your annual deductible is met.
Do all veterinarians accept pet insurance?
Unlike their human owners, pets (and their insurance plans) are not subject to provider network restrictions. Given direct reimbursements, your pet is free to seek treatment from any licensed veterinarian, specialist, emergency clinic, or hospital in the United States or Canada!
Does pet insurance cover pre-existing conditions?
If your pet exhibits symptoms before coverage starts or during the 14-day waiting period, this is considered a “pre-existing condition” and thus not typically covered by insurance plans.
Does pet insurance cover vaccinations?
As pet insurance plans are designed to cover required diagnostics and treatment to help your pet recover in the aftermath of an unexpected accident or illness, they generally do not cover basic vaccination care. However, you can opt for a preventive care package (also known as “Preventive Essentials”), which covers annual wellness exam fees, vaccines, and various routine tests. Purchasing the appropriate plan means you’ll receive reimbursement for basic preventive healthcare costs.
Why is it necessary to purchase homeowners insurance in the United States?
Homes are among our most valuable assets, making homeowners insurance crucial protection against unforeseen disasters. Insurers provide compensation based on the policy, and coverage extends beyond merely protecting the home's structure from natural disasters (e.g., fires and storms) to also cover personal belongings such as clothing, furniture, and appliances. This financial security also includes emergency repairs, reconstruction assistance, and coverage for living expenses during the rebuilding process.
What's the difference between “named peril” and “open peril”?
Homeowners insurance categorizes the approach utilized to cover potential risks into two buckets: “named peril” and “open peril.
Named Peril: Coverage is limited to specific situations listed in the policy and therefore offers narrower coverage at a lower cost.
Open Peril: Covers everything other than incidents explicitly excluded in the policy—resulting in broader coverage that comes at a higher cost.
What is the scope of coverage for homeowners insurance in the United States?
Homeowners insurance in the U.S. typically consists of two main sections, per the following:
Section I: Dwelling Coverage; Other Structures Coverage; Personal Property Coverage; Loss of Use Coverage
Section II: Personal Liability Coverage; Medical Payments to Others Coverage
What is typically not covered by homeowners insurance in the United States?
Homeowners insurance in the U.S. typically does not extend to the following situations: Ordinance or Law; Earth Movement (Earthquakes); Water Damage; Power Failure; Neglect; Intentional Loss; War; Nuclear Hazard; Government Action.
Section II, specifically, typically excludes Motor Vehicle Liability, Watercraft Liability, Aircraft Liability, and Hovercraft Liability.
Is it necessary to purchase homeowners insurance when taking out a mortgage in the United States?
Typically, if you pay less than 20% of the home's appraised value and use a mortgage, the lending company will require you to buy homeowners or hazard insurance prior to the transfer of ownership—as a small down payment is considered a higher-risk mortgage, and lenders want to protect their investment in case of property damage or loss.
What are the payout levels and methods for homeowners insurance in the United States?
① Actual Cash Value: Pays the property's current value, accounting for depreciation.
② Replacement Cost Value: Pays based on the property's original value at the time of the claim, without factoring in depreciation (typically used for the primary structure of a home).
③ Extended Replacement Cost: Pays based on the current market cost to rebuild the property at the time of the claim.
What should one consider when buying homeowners insurance in the United States?
① Understand your homeowners insurance policy terms, including insurer requirements and limitations.
② Compare quotes from different insurers so you can make an informed decision.
③ Choose the right coverage type, which can impact insurance costs.
④ Consider coverage areas, as high-risk zones may affect eligibility.
⑤ Determine sufficient coverage to avoid exceeding policy limits during a disaster.
⑥ Establish an affordable homeowners insurance budget while factoring in deductible amounts.
Why should you purchase renters insurance?
Renters insurance isn't required from a legal perspective, but your landlord or property management company has the right to dictate this as a condition for leasing their property. Be sure to review all requirements before signing a lease agreement, knowing renters insurance offers comprehensive protection for tenants to reduce losses in the case of unexpected events.
What is renters insurance?
Renters insurance is a policy that safeguards tenants' personal belongings (e.g., furniture, appliances, personal items, etc.) during the lease term. It also provides liability coverage, loss coverage, medical payments, and related services to cover medical and/or legal bills if someone becomes injured on the premises at your rental.
What does renters insurance typically* cover?
① Personal Property Coverage: Pays to repair or replace listed belongings** (furniture, appliances, clothing, etc.) if stolen or damaged.
② Liability Coverage: May help cover another person's medical or property repair expenses after they visit a rented home (including legal fees and settlement costs, if necessary).
③ Loss of Use Coverage: Pays for extra costs when a home becomes uninhabitable.
④ Medical Payments Coverage: Typically covers situations when someone is injured inside your home and incurs medical expenses (usually up to the limit).
*Coverage and payouts may vary by insurer and policy.
**Valuable items such as jewelry and collectibles may need to be listed separately or covered by additional insurance.
What does renters insurance typically not cover*?
① Preventative measures against accidents (e.g., fire prevention)
② Damage from pests such as bed bugs, mice, or cockroaches
③ Structural or permanent fixture losses (e.g., fireplaces)
④ Losses due to tenant lease violations; losses related to tenant vehicles; losses due to war, civil unrest, terrorism, or nuclear events
⑤ Natural disaster losses, unless specifically insured
*Carefully review policy terms before purchasing.
Which factors* influence the cost of renters insurance?
① Location: Renters insurance costs vary by state, with higher premiums in high-risk areas.
② Differences in Coverage: A larger quantity of personal belongings and/or valuable items increase required coverage and premiums.
③ Deductible Amount: Lower deductibles result in higher premiums.
④ Claim History: Making large and/or frequent claims can lead to relatively higher premiums.
*Some apartments may have coverage requirements, making it wise to inquire with management accordingly before investing in a policy.
How does renters insurance pay out?
Renters insurance companies evaluate your losses when you file a claim and then generally offer two payout options:
① Replacement Cost Policy: Reimburses you for the full cost of replacing stolen or damaged items with a new equivalent (e.g., if your laptop is stolen, you receive funds to buy a new laptop of similar value)
② Actual Cash Value Policy: Provides compensation based on the current depreciated value of an item (e.g., if a 5-year-old laptop is stolen, you're reimbursed based on its present value and may thus need to cover the price difference to buy a brand-new model)
Who is eligible for J1 health insurance?
- Individuals under the of age of 65
- Individuals who hold valid J1 visa and a current passport
- J1 students with a full-time schedule and a valid I-20
Can exchange visitors buy insurance? Can I buy insurance if I haven’t received my J1 visa?
Yes. We have insurance plans for exchange visitors. If you have not received your J1 visa, you can choose to purchase your insurance plan based on your program start time or your arrival date.
Can I get a plan that also covers dental and vision insurance?
Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.
Can I upgrade Tigerless Insurance packages after purchase?
When am I required to enroll in a Tigerless Insurance plan?
How long must I be enrolled?
Can I buy a plan on a monthly basis?
I hold a J1 visa, can I purchase health insurance for my dependents (J2 visa)?
No. However, as an alternative, we have plans specifically for J-2 visa holders, which are more low-cost.
Can I cancel or get a refund after my purchase?
NO. You are NOT allowed to withdraw or get a refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school. Processing fee is non-refundable.
What is the minimum age for insuring dental insurance?
The Delta dental insurance plan requires the insured to be at least 18 years old to be able to insure. If the insured is under 18 years old, it is recommended to take out the insurance together with the parents. Renaissance does not specifically indicate the age limit for dental insurance plans, and policyholders can choose to apply for insurance regardless of their age.
Can I buy it without SSN?
Yes, just contact customer service to get the Alternate ID.
How should I choose a dental insurance plan?
You can click on our dental insurance link, enter the postal code of your area, and choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.
Is there a waiting period for dental insurance?
Yes. There is a waiting period of six-month or twelve months to apply for different dental treatments.
Can the premium be paid monthly?
When does dental insurance come into effect?
The effective date of the insurance can be chosen by yourself, and it is usually recommended that you choose a date closer to the purchase date.
Can I cancel my dental insurance anytime?
Yes. Please contact the dental insurance company customer service in time to cancel your dental insurance plan
What is the minimum age for applying for Vision insurance?
VSP Insurance does not specifically indicate the age limit for the vision insurance plan, and you can choose the vision plan recording to your age.
How should I choose a vision insurance plan?
You can click on our eye insurance link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.
Can insurance be paid monthly?
Can I choose a monthly payment date?
Yes. If you choose to make monthly installments you can pick your billing date to occur on the first, fifth, tenth, fifteenth or twentieth of each month.
Can I cancel my Vision insurance anytime?
If you do not want to renew the insurance after the insurance expires, you can contact the VSP customer service to cancel the insurance plan before the insurance is automatically deducted for renewal.
Who is suitable for the purchase requirements of travel insurance?
If you are at least 14 days old and traveling internationally including F2, J2, B1, B2 and Schengen visas, you are eligible for coverage.
What Is Covered Under the Atlas Travel Insurance Plan?
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review Atlas Travel product page or see the Atlas Travel Description of Coverage.
How Do I Cancel My Atlas Travel Insurance Coverage?
Can I Extend or Renew My Atlas Insurance Coverage?
After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.
Are there any eligibility limitations for the discount plan?
Is this an insurance plan?
How should I choose a savings plan?
You can click on our savings plan purchase link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, you can consult our customer service team.
Is there a waiting period for the savings plan?
Can I choose a monthly payment for the discount plan?
Can I cancel my membership?
Health Insurance Premium
A health insurance premium is the fixed fee you pay your insurer to keep your health insurance plan.
Deductible
A deductible is the dollar amount you pay out-of-pocket for covered services before your health insurance plan begins to pay for your care.
Copayments (copays)
Copayments are fixed dollar amounts you’re responsible for paying for covered appointments, services, medical equipment, or prescriptions.
Coinsurance
Coinsurance is how much you owe for a covered health care service or prescription, calculated as a percentage of the allowed service amount.
Out-of-pocket max
Your out-of-pocket max is the most you could pay for covered health care in a calendar year aside from your premium.
Pre-existing condition
A pre-existing condition is a medical condition you have on or before the start date of a new health insurance plan.
Preventive care
Preventive care includes tests, exams, and services to check your general health.
In-Network vs. Out-of-Network
In-Network means medical professionals, facilities, and suppliers your insurer has contracts in place with. Out-of-Network means medical professionals, facilities, and suppliers that your insurer has not contracts in place with. To find an in-network provider, please click here.
Explanation of benefits (EOB)
An explanation of benefits (EOB) is not a bill. It is a statement from your insurance company outlining what your doctor billed and what they paid.
Medically necessary
Medically necessary health care services are those required to diagnose or treat a condition and meet accepted medical practices.
Excluded services
Excluded services are services that your health insurance plan won’t cover.