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Results from search: http://www.mrmib.ca.gov/MRMIB/MRMIP.html
MRMIP - TOC and Introduction
Introduction
Eligibility
Applicants Who Know They Are Currently Not Eligible
But
Expect To Be in the Future
Agents/Brokers, Employers and Applicants
Medi-Cal Beneficiaries
How the Program Works
Choosing a Health Plan
Benefits and Copayments
Pre-Existing Condition Exclusion Period for Blue
Cross
and Blue Shield PPO Subscribers
Post-Enrollment Waiting Period for Blue Shield
HMO,
Contra Costa Health Plan, Kaiser Permanente and Maxicare
How You May Waive All or Part of the
Exclusion/Waiting
Period
Dependent Coverage Information
Waiting List
Transfer of Enrollment
Disenrollment
Dispute Resolution/Appeals
Binding Arbitration
Coverage Brochures
Coordination of Benefits
Description of Plans and Benefit Highlights
Blue Cross of California
Blue Shield of California-
Access + HMO
Blue Shield of California-
Preferred Plan
Contra Costa Health
Plan
Kaiser Permanente Northern
California
Kaiser Permanente
Southern California
Subscriber Contribution by County Charts
Area 1 Rates
Area 2 Rates
Area 3 Rates
Area 4 Rates
Area 5 Rates
Area 6 Rates
Application
For more information call 1-800-289-6574
Introduction
The California Major Risk Medical Insurance Program (MRMIP) is an
innovative
MRMIP developed to provide health insurance for Californians who are
unable
to obtain coverage on the open market. The MRMIP is administered by a
five-member
Board who has established a comprehensive benefit package. Services in
the
MRMIP will be delivered through contracts with health insurance
providers.
Californians qualifying for the MRMIP will participate in the payment for
the cost of their coverage by paying premiums on their own behalf. The
MRMIP
will supplement those premiums to cover the cost of care. The MRMIP is
funded
by $40 million from tobacco tax funds.
Eligibility
Requirements
In order to be eligible for the Major Risk Medical Insurance Program:
You must be a resident of the state of California. A resident is a
person
who is present in California with intent to remain in California except
when absent for transitory or temporary purposes. However, a person
who
is absent from the state for a period greater than 180 consecutive
days
shall not be considered a resident.
You cannot be eligible for both Part A and Part B of Medicare, unless
eligible solely because of end-stage renal disease. (Being eligible for
one part or the other is acceptable.)
You cannot be eligible to purchase any health insurance for
continuation
of benefits under COBRA or CalCOBRA. (COBRA and CalCOBRA refers to
the federal law giving
people
under certain circumstances the right to continue coverage in an
employee
health plan for a limited time.) If you have COBRA or CalCOBRA you may
apply for
deferred
enrollment.
You must be unable to secure adequate coverage. This can be
demonstrated
in any of four ways:
If you have been denied individual coverage within the previous
12 months. A letter/copy of letter from a health insurance carrier
or health plan or health maintenance organization denying individual
coverage within the last 12 months must be submitted with your
completed
application.
If you have been involuntarily terminated for health insurance
coverage
within the previous 12 months for reasons other than nonpayment of
premium or fraud. A letter/copy of letter indicating involuntary
termination
from a health insurance carrier or health plan or health maintenance
organization or employer for reasons other than nonpayment of
premium
or fraud must be submitted with your completed application.
If you have been offered, in the previous 12 months, an individual,
not a group, health insurance premium in excess of the Major Risk
Medical Insurance Program subscriber rate for your first-choice
participating
health plan. A letter/copy of letter must be submitted with the
completed
application indicating that, within the last 12 months, you have been
offered by a health insurance carrier or health plan or health
maintenance
organization, a premium for the subscriber and/or their dependents
(when applicable) in excess of the MRMIP rate for the subscriber
and/or
their dependents.
If you are a member of a group of two or fewer (not including
dependents)
who has been denied health insurance coverage in the previous 12
months.
A letter/copy of letter indicating that a member of a group of two
or less has been denied by a health insurance carrier or health plan
or health maintenance organization for health insurance coverage
within
the last 12 months must be submitted with your completed
application.
Note: Letters from agents/brokers indicating that an individual is unable
to secure adequate private coverage will not be accepted as
documentation
for eligibility.
Applicants
Who Know
They Are Currently Not Eligible But Expect To Be in the
Future
If you are not currently eligible for the MRMIP, but anticipate becoming
eligible, you may also apply for this MRMIP. Examples of this are: if you
are currently enrolled in COBRA or CalCOBRA coverage or if your employer
has informed
you that you will be involuntarily terminated from insurance coverage
sometime
in the future.
To apply for a deferred enrollment, indicate when you will become
eligible
and include acceptable documentation. Acceptable documentation is a
letter
from a health insurance carrier or employer indicating when your
coverage
will end. The documentation must specify the exact date of termination
of
current coverage. Enrollment in temporary policies does not qualify for
deferred status.
If the MRMIP is not at maximum enrollment and all other eligibility
criteria are met, you will be enrolled in the MRMIP on the date that
eligibility
will occur. If the MRMIP is at maximum enrollment at the time you
become
eligible, your place on any waiting list is determined by the date on which
you originally applied, not the date that you became eligible for the
MRMIP.
Applicants for deferred enrollment must submit their initial
subscription
contribution with their application.
Payment will be refunded to you immediately if your deferred
effective
date is more than sixty (60) days from the date we receive your
application.
Agents/Brokers, Employers
and Applicants
Insurance Code Section 12725.5 states that it shall constitute unfair
competition
for an insurer, an insurance agent or broker, or administrator to refer an
individual employee, or their dependent(s) to apply to this MRMIP, for
the
purpose of separating that employee, or their dependent(s) from group
health
coverage provided in connection with the employee's employment.
Insurance Code Section 12725.5 further states that it shall
constitute
an unfair labor practice contrary to public policy for any employer to
refer
an individual employee, or their dependent(s) to this MRMIP, or to
arrange
for an individual employee, or their dependent(s) to apply to the
MRMIP,
for the purpose of separating that employee, or their dependent(s) from
group health coverage provided in connection with the employee's
employment.
Medi-Cal
Beneficiaries
While Medi-Cal beneficiaries are not prohibited from enrolling in the Major
Risk Medical Insurance Program, a Medi-Cal beneficiary should carefully
consider
the cost before signing up for our additional coverage. MRMIP subscribers
are responsible for their monthly subscriber contributions, a deductible
and/or
a copayment for services which could be up to $4,000 per year. Medi-
labels
cannot be used for MRMIP copayments.
How
the Program Works
Benefits
and Copayments
Subscriber may choose from any plan available to them as listed in the
enclosed
subscriber contribution by county charts. Description of
Plans
and Benefit Highlights and are also available by calling any MRMIP
health
plan at their toll-free number and asking for an Evidence of Coverage or
Certificate
of Insurance.
Subscribers will be responsible for their monthly subscriber
contribution
whether or not they receive a bill in that month. Subscribers may choose
from any plan available to them as listed in the Subscriber
Contribution by County Charts .
Health Maintenance Organizations (HMOs) in the MRMIP require a fixed
dollar
co-payment for some services and up to a 20% co-payment for other
services.
The Preferred Provider Organizations (PPOs) in the MRMIP may also
require
a fixed dollar co-payment for certain services and up to a 25% co-
payment
for other services. The out-of-pocket maximum per
calendar
year for all MRMIP plans is $2,500 for individuals and $4,000 for an
entire
household covered by the MRMIP. This maximum does not apply to
services
recieved by providers that do not participate in the subscriber's chosen
health plan's provider network, or to services not covered by MRMIP.
There
are MRMIP benefit limits of $75,000 per calendar year and $750,000 in a
lifetime.
Subscriber contribution amounts are updated on January first of each
year.
In addition, your subscriber contribution may change during the year if
your birthday moves you into a new age category. For married
subscribers
enrolled under two-party or family coverage, the age rating category will
be based on the age of the subscriber. Adjustments to subscriber
contributions
due to age changes will occur on the first of the month following the
birthdate.
Subscriber contributions may also change when
a member
moves from one area of the state to another. Adjustments to
subscriber contributions
will occur on the first of the month following notification of the move.
Each month you will receive a subscriber contribution notice from MRMIP.
Subscriber contributions are payable in advance and are due the first day
of every month. A subscriber contribution notice will be generated
monthly,
and will be sent out 30 days prior to the due date.
A delinquency billing or final notice will be sent out on the 15th day
following the paid to date.
There is a grace period of 31 days from the paid to date, and the
member's
coverage will remain in effect during this time.
Cancellation for nonpayment of subscriber contribution will take place
on the 32nd day following the paid to date. The cancellation will be
retroactive
to the paid to date, and a cancellation letter will be generated to the
subscriber.
A subscriber may pay either by check or money order. In addition, a
subscriber
may elect to have their monthly subscriber contribution automatically
deducted
from their checking account when accepted into the MRMIP.
Subscriber contribution checks that are returned to the subscriber's
bank
will result in disenrollment back to the last month(s) paid. The subscriber
may be reinstated upon request only if membership history indicates
that
cancellations of the same subscriber have not exceeded two instances in
a rolling 12 month period. The replacement check must include
subscriber
contributions to bring the account to current status with an additional
$25.00 NSF processing fee and must be received within the 31 day grace
period.
There is no application fee for applying to this MRMIP.
You
are required to submit your first month's subscriber contribution for
MRMIP
health care coverage, which is completely applied toward your first
month
of coverage if you are enrolled. Qualified insurance agents and brokers
may be paid a $50 fee by the state for explaining the MRMIP and
assisting
you in completing the application. The state does not require an individual
applying to this MRMIP to pay any fee, charge or commission to a
broker
or agent.
Pre-
Existing Condition
Exclusion Period for Blue Cross and Blue Shield PPO
Subscribers
For individuals who are enrolled in a participating health plan offering a
Preferred Provider Organization (PPO), there is a pre-existing condition
exclusion
period of 90 days. During this period, no benefits or services related to
a pre-existing condition shall be covered. Subscribers shall be required to
pay subscriber contributions during this period.
Pre-existing condition means any condition which during the six
months
immediately preceding enrollment in the Program for which medical
advice,
diagnosis, care, or treatment, including use of prescription drugs, was
recommended or received from a licensed health practitioner during that
period.
Post-
Enrollment Waiting
Period for Blue Shield HMO, Contra Costa Health Plan and Kaiser
Permanente
For individuals who are enrolled in a Health Maintenance Organization (HMO)
participating health plan, there is a post-enrollment waiting period of 90
days. Subscribers will not be eligible for health care services during this
period. Subscribers will be notified when this period begins and ends. The
initial one-month subscriber contribution that is submitted with the
application
will be applied to the first month of service eligibility. Subscribers shall
not be required to pay any other amount during this waiting period.
How You
May Waive
All or Part of the Exclusion/Waiting Period
The exclusion/waiting period requirement may be waived in part
or
all if:
The subscriber has been on the MRMIP waiting list for six months or
longer. In this circumstance the exclusion/waiting period will be
completely
waived.
The subscriber has been insured by another health insurance policy
(including
any MRMIP-related temporary or interim insurance policy and Medi-Cal)
for at least 90 days at the time you apply to the MRMIP or were
covered
by another health insurance policy for at least 90 days and application
for eligibility in this MRMIP was made within 31 days following the
termination of that coverage. In these circumstances you may
completely
waive the 90 day period. If the coverage was less than 90 days but was
at least 30 days, the subscriber will be given credit for either 30 or
60 days toward their MRMIP exclusion/waiting period.
The subscriber was previously receiving coverage under a similar
program
in another state within the last year. In this circumstance the
exclusion/waiting
period will be completely waived.
Please submit appropriate documentation and/or check the appropriate
boxes
on the application (Questions 6 and/or 7 in the Program Eligibility Section)
if you have met the criteria in #2 or #3 to waive this exclusion/waiting
period.
All documentation must be received prior to or with your first month's
subscriber
contribution.
Dependent
Coverage Information
Dependents may be covered under this MRMIP and are defined as a
subscriber's
spouse and any unmarried child who is an adopted child, a stepchild or
a recognized natural child. A dependent ceases to be a dependent upon
marriage, or age 23, whichever comes first.
A dependent also includes any unmarried child who is economically
dependent upon the applicant. An unmarried child over 23 years old
may
be covered, if that unmarried child is incapable of self-support
because
of physical or mental disability which occurred before the age of 23.
An applicant must provide documentation in the form of doctors'
records
which show that the dependent child cannot work for a living because
of a physical or mental disability which existed before the child
became
23.
A dependent of a subscriber can seek independent enrollment in
the
MRMIP if their separate MRMIP eligibility can be documented.
It is the responsibility of subscribers to notify the MRMIP of
changes
in the number of dependents. Coverage for newborn or adopted children
shall begin upon birth or adoption of the child. Coverage for stepchildren
shall begin upon marriage by a subscriber to the stepchild's parent. In
all cases, the Program must be notified within 30 days. All other
dependents
are covered within 90 days of Program notification. To add a dependent
to your policy, you may request an Add Dependent application by
calling
(800) 289-6574 and talking to a representative in the MRMIP Unit at
Blue
Cross, the enrollment contractor for MRMIP.
Enrolled dependents of a deceased subscriber or dependents of a
subscriber
who become eligible for Medicare (Parts A and B) are eligible to continue
coverage in the Program for as long as the enrolled dependent
continues
to pay subscriber contributions and meet the definition of dependent as
explained in #1 above.
Waiting
List
If the MRMIP reaches maximum enrollment, applicants and dependents
will
be placed on a waiting list. Applicants and dependents will be enrolled when
spaces become available in order of the date of receipt of a complete
application.
Any time spent solely on the waiting list does not count toward your
ninety
(90) day pre-existing condition exclusion period, or post-enrollment waiting
period (once enrolled) unless you have been on the waiting list for at least
six (6) months. If you have been on the waiting list 6 months or longer,
your
90-day exclusion period will be waived.
Transfer
of Enrollment
Subscribers and enrolled dependents may transfer from one participating
health
plan to another if either of the following occurs:
The subscriber requests a transfer because the subscriber has
moved
and no longer resides in an area served by the health plan in which they
are enrolled and there is at least one participating health plan serving
the subscriber's new area.
The subscriber or participating health plan requests a transfer in
writing
because of the failure to establish a satisfactory subscriber-plan
relationship
and the executive director determines that the transfer is in the best
interests of the MRMIP.
Any transfer request must be in writing to the Major Risk Medical
Insurance
Program at P.O. Box 2769, Sacramento, CA 95812-2769.
Subscribers who transfer enrollment are not subject to pre-existing
condition/waiting
period exclusions.
Disenrollment
A subscriber and enrolled dependents will be disenrolled from the MRMIP
when any of the following occur:
The subscriber so requests.
The subscriber fails to make subscriber contributions in accordance
with the Program's existing subscriber contribution payment and grace
period practices. The effective date of disenrollment for nonpayment
of
subscriber contribution will be retroactive to the last day for which
subscriber contribution was paid.
The subscriber fails to meet the residency requirement or becomes
eligible
for Part A and Part B of Medicare unless eligible solely because of end-
stage
renal disease or the subscriber or enrolled dependent has committed an
act of fraud to circumvent the statutes or regulations of the MRMIP.
Subscribers who have been disenrolled may not re-enroll in the MRMIP
for
a period of one year.
Dispute
Resolution/Appeals
If a subscriber is dissatified with any action, or inaction, of the plan/
provider organization in which they are enrolled, the subscriber should
first
attempt to resolve the dispute with the participating plan/organization
according
to its established policies and procedures.
This is a state program and the subscriber's rights and obligations will
be determined under Part 6.5 Division 2 of the California Insurance Code
and the regulation of Title 10, Chapter 5.5.
Subscribers may file an appeal with the Board over (1) any actions or
failure to act which has occurred in connection with participating health
plan/organization coverage, (2) determination of an applicant's or
dependent's
eligibility, (3) a Program determination to disenroll a subscriber or
dependent,
and (4) a Program determination to deny a subscriber request or to
grant
a participating health plan request to transfer the subscriber to a
different
participating health plan. More information on the appeals process may
be
obtained by writing the Major Risk Medical Insurance Program at P.O. Box
2769, Sacramento, CA 95812-2769.
Binding
Arbitration
Binding arbitration is an agreement between some insurance plans and
subscribers
to have health care disputes reviewed by a neutral person.
Does the plan require its members to use Binding Arbitration to
resolve
disputes?
Blue Cross: No
Blue Shield: No
Contra Costa Health Plan: No
Kaiser Permanente: Yes (includes medical and
hospital
malpractice)
Coverage Brochures
Health coverage brochures are available from each health plan upon
request.
Please see each health plan description for a phone number to call to
request
one.
Coordination
of Benefits
The MRMIP will coordinate its coverage of benefits with any other health
insurance
you may have and by state law will only pay after your other insurance has
paid (not including Medicare, Medi-Cal and other state programs).
For more
information call 1-800-289-6574
You may contact the MRMIB at:
MRMIB
P.O. Box 2769
Sacramento, CA 95812-2769
Tel: (916) 324-
4695
Fax: (916) 324-
4878
Top of AIM
HFP Site
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Home
Results from search: http://www.specialtyrisk.com/travel_medical.htm
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Results from search: http://www.appealsolutions.com/tal/denied-claims-requires-attitude.htm
Medical Insurance Claims Recovery Requires Attitude
Table of Contents
Home page of The Appeal Letter e-zine.
Case Studies
Case studies providing insight in overturning insurance denials.
Articles
News articles devoted to increasing insurance reimbursement.
Sample Letters
Download sample appeal letters relevant to various denial reasons.
Resources
Resources to assist you increase your insurance reimbursement.
Appeal Solutions
Visit Appeal Solutions, an industry leader in insurance recovery products and services.
Your E-mail
Keep abreast of reimbursement issues by signing up for the free e-mail edition of The Appeal Letter.
You
are Here: Table of Contents : Insurance Recovery Requires Attitude
Insurance
Recovery Requires Attitude
Perseverance Key to High Rate of Overturned Denials
"Attitude is more important than facts."
This quote is from noted psychiatrist Karl Menninger who understood the vast importance about attacking a difficult situation with a strong mindset.
In appealing denied insurance claims, you need to have the mindset that it is the insurance carrier's burden to prove that the claim has been processed correctly and that any ambiguities in the coverage terms were construed in the insured's favor. A strong mindset will also give you the perseverance necessary to continuing to appeal a claim the insurer strongly defends.
Attitude is more important that facts, because the right attitude will help you persuade the insurance carrier to look at the facts differently.
Many claims are overturned after a single appeal letter. However, you want to persist with filing appeals until you get a satisfactory answer. When you do not receive an adequate response to your appeal from the appeals committee, it is imperative that you continue to appeal.
Persistence is often the key to overturning a denied claim. Many carriers overturn as many appeals during the second and third appeals as on the first appeal. It is crucial to keep the appeal active, even after the initial denial.
In fact, statistics released from major insurance carriers indicate that about 25 percent of appeals are overturned on the first appeal and another 25 percent are overturned on the second appeal.
If you believe payment is indicated by the policy terms, continue to appeal the claim. See
below for information on keeping your appeal alive.
Don't Settle For
"Denial Upheld"
Appealing denied insurance claims requires perseverance. You may find that your carefully researched and strongly worded appeal is not being reviewed adequately by the claims department. In such instances, you can redirect your appeal to someone in a better position to review and respond to the information you have cited. Consider sending your appeal to one of the following:
Carrier Legal Counsel - If you have cited regulatory information, you can request a review and written response from the legal department.
Carrier President - If your appeal involves a possible breach of claim processing procedures, ask the President or other senior management official to respond.
Department of Labor - If the insurance is self-funded, file a complaint with the Department of Labor. Send a copy of the complaint to the insurer.
Employer - The employer will have an appeals committee if the group is self-insured.
Department of Insurance - File a formal complaint with your state's Department of Insurance if you are unable to get a satisfactory response. Send a copy of the complaint to the insurer.
State Medical Association - Many medical associations now have a complaint review process and will assist you with resolving denied insurance claims.
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Results from search: http://www.chabot.cc.ca.us/int/med.html
Chabot College: Information for International Students
MENU
PAGES IN INTERNATIONAL STUDENTS AREA
International Students Home
Page
International Student Supplemental
Application
Statement of Sponsor Support
Medical Insurance Statement
Doctor's Health Statement
Student's Medical History
Affidavit of Financial Responsibility
Checklist of Required Application
Materials
(NOTE: This form must be printed out, filled out entirely, and mailed
to:
International Students Office
Chabot College
25555 Hesperian Blvd.
Hayward, CA 94545
U.S.A.
Medical Insurance Affidavit
I hereby submit the attached evidence of health and medical insurance
which I have purchased. This insurance will cover the usual and
normal costs which I might incur due to accident and/or illness while
in attendance at Chabot College.
Name of insurance carrier:__________________________________
Policy number or identification:___________________________
Policy expiration date:____________________________________
Address of insurance carrier:______________________________
OR
I hereby agree to purchase prior to my initial registration, the health
and medical insurance policy recommended by Chabot College. I will present
evidence of compliance to the Registrar before the end ofthe second
week of classes. FAILURE TO DO SO MAY RESULT IN MY DISMISSAL FROM
THE COLLEGE.
________________________________________
Student's Name - - Please Print
_______________________________________
Student's Signature
Back to International
Students Page
Chabot Home Page
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Non-Discrimination Comments and questions
are welcome. webmaster
1998, Chabot College.
25555 Hesperian Blvd.
Hayward. CA 94545
(510) 723-6600
Last Update: March 27, 2000
Results from search: http://courses.mbl.edu/ISO/Insurance%20Compliance%20Form.pdf
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