Again, we have a question that can have multiple answers. All INF plan will cover new accident & sicknesses. Under INF, new sicknesses include:
- Urinary Tract Infections
- Kidney Infections
- Bladder Infections
- And many more diseases which can be considered "new"
INF Plans typically do not exclude new sicknesses under the guise of pre-existing conditions like other plans (such as Patriot America & Safe Travels).
Some INF Plans (Elite & Premier) cover all pre-existing conditions. Known as "Full Pre-Existing Coverage," this means we cover the gradual worsening of pre-existing conditions, and we treat pre-existing conditions like new sicknesses (in-patient, out-patient, and specialist care). Full Pre-Existing plans have no look-back period, and will cover any pre-existing issue, as per the policy. That being said , medical tourism, maintenance, and preventive care are not covered by full pre-existing plans.
Other INF Plans (Advantage & Choice) cover only the acute onset of pre-existing conditions. This means we only cover pre-existing issues related in-patient hospitalization or emergency room. Our definition of acute onset is "emergency sickness," meaning if your client thinks they will experience an adverse health consequence without immediate medical attention, it may be considered Acute Onset.
Pregnancy & Childbirth
Some INF Plans provide benefits for pregnancy & childbirth. It is important to note that pregnancy is not considered a "pre-existing condition" but rather new condition. In any case, pregnancy is not covered if conception happens before the start date of the policy.
INF Plans which provide some coverage for pregnancy include:
Dental & Vision
- INF Advantage
- INF Standard
- INF Premier
INF Plans provide all members with a Careington POS Discount Card, which allows them to access dental savings benefits of around 50% and savings on glasses and frames of around 30-40%. Clients can see the dentist and know they do not have to pay full price for complicated dental procedures.
For eye illnesses, such as pink eye, eye allergies, etc- these are considered sicknesses and covered by INF Plans, as per the policy.
Reflection on INF Plans
When you advise your client to enroll in an INF Plan, you are making the right decision. INF is known for paying claims, having responsive customer service, ensuring the claims process is smooth, and being there when members need us.
If an insurance plan does not pay a claim- it's not just a reflection on the insurance company, but a reflection on yourself as a trusted advisor to your client. Our advice: don't sell your clients a lemon, advise them to enroll in INF.
Remember- always feel free to reach out with any questions you have about INF.