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HCC Life Insurance vs. Coventry
Purpose of the INSURANCE COMPANY: The purpose of HCC Life Insurance Company is to provide Short-Term Health Insurance for a period of six months. Applicants must reapply for a policy every six months. The purpose of Coventry Health Care of South Florida is to provide Health Insurance that fulfills the Patient and Affordable Care Act (Coventry, 2015). It provides insurance for a period of 12 months, after which the insured must reapply for a new policy.
Benefits offered: Urgent Care, Hospital Room and Board, Local Ambulance, Intensive Care, Physical Therapy, Mental and Nervous Disorders, Home Health Care, Extended Care. Primary Care, Specialist Care, Other Practitioner Care, Preventive Care, Screening, Immunizations, Diagnostic Tests, Imaging, Drugs, Facility Fees (Outpatients and Hospitals), Surgeon/Physician...
You must submit an application that is approved; you must not have any other health insurance.
Deductibles: 2500 per Covered Person per Coverage Period. Maximum of 3 Deductibles per family per Coverage Period. All services first require the insured to pay the $2,500 deductible. In network: $1,750 person/$3,500 family. Does not apply to PCP, First 5 Specialist visits, Urgent Care, First 3 visits ER visits, ER Transportation/Ambulance, Prenatal office visits, Advanced Imaging in freestanding facility, Preventive Care and Pediatric Vision Screening. Out of network: Not Covered
Copayments: During a Coverage Period, the Company will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% of Eligible Expenses to the Overall Maximum Limit. 80%, 20% is the split. However, there are specific copayments of certain services, including $10 co-payments for a primary care physician, $50 for specialists and other practitioners, $10 for generic drugs, $35 for preferred brand drugs, $75 for non-preferred brand drugs, and 30% of specialty…
References
Coventry Health Care. (2015). Federal health care reform. http://www.coventryhealthcare.com Retrieved from http://www.coventryhealthcare.com/federal-health-care-reform/index.htm
HCC Medical Insurance Services. (2015). Short-term medical insurance. http://www.hccmis.com Retrieved from http://www.hccmis.com/short-term-medical-insurance/
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