Q: Is this Major Medical coverage?
A: No. This is not basic health insurance or major medical coverage and is not designed as a substitute for either coverage.

Q: Do The Advantage Plans coordinate benefits?
A: No. Benefits provided are in addition to any other insurance program.

Q: Which doctors and hospitals may I use?
A: You are free to use any licensed doctor or any certified hospital. However, to utilize the PPO discount and to locate a doctor or hospital in the PPO network, go to www.beechstreet.com or call 800-432-1776 and follow the prompts.

Q: Do the The Advantage Plans cover maternity?
A: Yes. Pregnancy will be covered as any other sickness.

Q: Can the member purchase The Advantage Plans just for their dependents?
A: No. The member must be the primary insured.

Q: Are Medicare recipients eligible for The Advantage Plans?
A: Yes. However, Medicare regards The Advantage Plans as Primary coverage and may reduce or discontinue coverage.

Q: Can the The Advantage Plans be used, if the insured has separate health insurance?
A: Yes. The specified benefits pay in addition to any other private group coverage.

Q: If I currently have an illness, will it be covered under the Group Hospital Indemnity Insurance?
A: Yes. It will be covered. There are no exclusions for pre-existing conditions. However, the plan will not pay benefits for any care provided prior to the coverage effective date or if you are confined in a hospital at the time coverage is effective.

Q: Am I allowed to assign my benefits to my healthcare provider?
A: Yes. Benefits are automatically assigned to your healthcare provider. If you would like to receive the benefit payment directly, you will need to complete a medical claim form and sign the Authorization of Payment section. You can obtain a claim form by contacting Inter-Americas Insurance Corp. at 800-333-2525 ext. 138.

Q: Can I still obtain benefits if I miss the open enrollment period?
A: Evidence of good health will be required for all late entrants. Contact the OOIDA Medical Benefits Group for an application.

 

Our Insurance Carrier | Summary of Plan Benefits | Monthly Rates | Additional AD&D
Prescription Card | Outpatient Lab Benefits | Member Advantages | FAQ | Enrollment Form

For questions or to enroll, please call the OOIDA Medical Benefits Group at: 800-715-9369