Frequently Asked Questions
General
Who is Century Healthcare, LLC (CHC)?
Century Healthcare, LLC (CHC) specializes in the design, enrollment, administration and implementation of customized limited benefit medical plans for employer groups throughout the U.S.
Isn't a "major medical" plan better?
Not necessarily. Major medical insurance plans with large deductibles and catastrophic coverage are not for everyone – nor can everyone afford this option. A limited benefit medical plan is a smart solution that provides affordable, quality medical insurance at a fraction of the cost of comprehensive health plans. Designed to offer the most coverage for basic medical services with little or no out-of-pocket expenses, a limited benefit medical plan provides a mainstream insurance solution for those employees with tight budgets needing affordability and low deductibles.
Advanced Intermed Health Plan™ - Limited Benefit Medical Plans
What is limited benefit plan?
Limited benefit medical plan for full-time employees who can’t afford high deductibles or the cost of comprehensive medical insurance. This plan is the closest to a comprehensive insurance plan, with the exception of catastrophic coverage, in the market.
What medical services are covered?
This "not so limited" medical benefit plan can be customized to meet the needs of employees and covers a wide range of benefits, including inpatient and outpatient doctor visits (up to 10 visits a year, depending on customization of the plan), the ability to see inpatient/outpatient specialists, hospital stays, surgical procedures both in and outpatient, wellness visits in addition to doctor visits, physical therapy, emergency room stays, ambulance coverage, pharmaceuticals and much more. Additional riders such as critical illness, term life insurance, and short-term disability may also be available.
Do I have to change doctors to participate?
If your current provider is in the network, you only need to show your member
ID card. If your provider is not in the network, you can call the toll-free customer
service number on the back of your card to select another provider in the area.
There are no referrals necessary to see a participating provider.
How does the Advanced Intermed Health Plan™ work?
You will receive your member ID card and an information packet that lists the most commonly-used healthcare providers in your area. You simply call the toll-free number on the back of your card and select a participating provider, make an appointment and present your ID card at the time of service.
Can I be turned away for a pre-existing condition?
No. The Advanced Intermed Health Plan™ has a guarantee to issue benefit – employees and their eligible dependents won’t be turned down for coverage when enrolling during an open enrollment period. However, if you have a pre-existing condition, a rider may be attached to your contract that excludes coverage for that condition for a 12-month period. You will know up front of any coverage limits.
Can I cover my dependents?
Yes, you can enroll your eligible dependents for coverage. Eligible dependents
include your spouse and your unmarried dependent children under 19 years of age,
or up to age 25 if the child is enrolled full-time in an accredited school or
college. (Dependent coverage can vary from state to state; consult your plan booklet or your HR department for more information.)
Does the Advanced Intermed Health Plan™ provide for catastrophic coverage?
As a limited benefit medical plan, the Advanced Intermed HealthPlan™ does not provide extended coverage for rare illnesses or catastrophic injuries. Instead, it covers doctor visits, shots, prescription drugs, emergency room visits, outpatient surgery, and minor in-office procedures – everyday medical events that can be a major financial setback for many employees. As an added value, the Advanced Intermed HealthPlan™ does provide accident medical coverage and accidental death and dismemberment benefits as part of every plan. Additional riders such as critical illness, term life insurance, and short-term disability can be added to extend plan benefits even more.
