A. The Employer Plans utilize the PHCS preferred provider network, one of the largest national networks of hospitals, clinics, and physicians in the USA. Out of Network providers are reimbursed at different levels of percentage of U&C or Medicare.
A. No. Coverage is subject to coinsurance up to the out-of-pocket maximum.
A. There are no waiting periods on all SB/A Freedom Plans Basic Level benefit plans (Plans A, B, C). The Extra Enhanced Benefit provisions on Plan C contains a 60-day waiting period for elective procedures, a 6-month waiting period for conditions treated within 12 months before the effective date, and 10 months waiting period for maternity.
A. Dependent children are eligible up to their 26th birthday whether in or out of school. Common law marriages are allowed if certain requirements are met under individual state laws. Married couples cannot split their enrollment into two enrollees.
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