How does Zion classify something as "preexisting"?
Do preexisting conditions ever become eligible for sharing?
Gail Metsig
Last Update 4 years ago
A need that comes from a condition that existed prior to membership are only shareable if the condition is fully cured and does not have treatment or symptoms in the 24-month period immediately preceding enrollment. i.e. any illness or accident for which a person has been diagnosed, received medical treatment, been examined, taken medication, or had symptoms for 24 months prior to the Effective Date.
Pre-existing conditions have a waiting or phase in period. Zion Health attempts to negotiate all medical bills received and many membership types include the PHCS network for pre-negotiated medical expenses.
1st Year of Membership – Waiting period of all pre-existing conditions
2nd Year of Membership – Up to $25,000 of sharing for pre-existing conditions
3rd Year of Membership – Up to $50,000 of sharing for pre-existing conditions
4th Year of Membership and Beyond – Up to $125,000 of sharing for pre-existing conditions per year
For more information regarding preexisting conditions, please go to www.apogeehealthdirect.net or contact us at 866-811-0911