Part of what makes the use of HMO cards effective is the cardholder’s knowledge and keen understanding of the coverage of the plan. If a member does have a clear understanding of what his or her health policy covers, the member is able to maximize the use of the card to its best potential.
The set of pre-existing conditions in particular is a critical portion of a health plan. This is one aspect that leading HMO Intellicare pays meticulous attention to.
For Intellicare, a health plan’s set of pre-existing conditions defined early on is something they could never overemphasize. To them, no one should ever underestimate the repercussions of a misunderstood health plan.
By standards, pre-existing conditions are usually not covered on the first year of one’s membership. However, for corporate accounts, the one year waiting period may be waived depending on the agreement based on negotiations. Examples of pre-existing conditions include hypertension, goiter, cataract, tumor, cyst, arthritis, diabetes and cancer.