Core Health hospitalization benefits

TA | November 17, 2008

Q: The Core Health Insurance plan details say: "Benefits under Hospital, ICU/CCU, Surgery or Anesthesia are not payable for any pre-existing condition for the first 12-months following an insured's effective date." Okay, but "benefits under hospital" is a pretty vague statement. If you have outpatient surgery performed at a hospital, an MRI performed at a hospital, or some other type of test or lab work performed at a hospital on an outpatient basis, is that considered "benefits under hospital" just because those things are physically done at a hospital? Or does "benefits under hospital" mean that only INPATIENT hospital services for a pre-existing condition aren't covered?

A: Outpatient surgery is considered a hospital service under the policy subject to the waiting period for new policies. Lab tests are covered under a separate policy provision regardless of where performed and are not subject to the waiting period. More information is available in the article "Review of Core Health Insurance".

Get your free quotes

Are you currently insured?

We work with trusted
companies like: