Frequently Asked Questions:
- Pre-Existing Conditions
- Acute Onset of Pre-Existing Conditions
- Visitors Protect Pre-Existing Conditions Coverage & Exclusions
Due to the high demand for Pre-Existing Condition coverage, the underwriters have extended the coverage provided under many of the plans to allow for coverage under very specific circumstances. They call this coverage either 'Acute Onset of Pre-Existing Conditions' or 'Sudden and Unexpected Recurrence of Pre-Existing Conditions'. There are plans that provide some kind of further limited coverage of pre-existing condition coverage. Please carefully understand what a chosen plan incudes.
*While the acute onset may cover a sudden and unexpected recurrence, the reverse is not true.
Comprehensive Coverage Plans
Overview
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Through United Healthcare PPO Network 
Acute Onset of Pre-Existing Conditions
Coverage for under age 70. $150,000 for policy maximums of $550,000 and over; $50,000 for policy maximums between $60,000 and $200,000 Learn More
Overview
After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Depends on provider. No PPO network.
Acute Onset of Pre-Existing Conditions
Non-US Citizens: to $10,000 for ages <70 Learn More
Overview
After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Depends on provider. No PPO network.
Acute Onset of Pre-Existing Conditions
Non-US Citizens: to $10,000 for ages <70 Learn More
Overview
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Direct Billing
Through United Healthcare PPO Network
Acute Onset of Pre-Existing Conditions
Coverage to $25,000 for ages <65; $2,500 for ages 65+ Learn More
Overview
After deductible pays 100% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Direct Billing
Through United Healthcare PPO Network
Acute Onset of Pre-Existing Conditions
Coverage to $200,000 for ages <60; $20,000 for ages 60-64 Learn More
Overview
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.
Direct Billing
Through United Healthcare PPO Network
Acute Onset of Pre-Existing Conditions
Coverage to $20,000 for ages <65; $2,500 for ages 65+ Learn More
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