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Bridge Major Medical Insurance Plan (Medicare Bridge Plan)
For a senior citizen, being uninsured is incredibly dangerous and fiscally irresponsible; however, being accepted into the United States Medicare program can be tricky. PIU offers the temporary Bridge Major Medical Insurance Plan to cover senior citizens in the transition period between traditional insurance and Medicare.
Senior aged people desire coverage under the Social Security Medicare program. There are some people who, either by residency status or other reasons, may not be currently eligible for Medicare. All permanent residents of the United States are eligible for Medicare at some point in time. There are three conditions for which The Bridge Plan plan is used as a substitute.
Medicare Restriction #1: Medicare will usually accept people who have been a permanent resident of the United States for at least five years. This does not require citizenship or any pre-payment into Social Security prior to eligibility. The only requirement is that they must pay a monthly premium to have both Part A and Part B.
Solution: The Bridge Plan is available to persons who have become permanent residents of the United States and who are within the five year waiting period for Medicare eligibility.
Medicare Restriction #2: Some people may be eligible for Medicare due to age and qualifications, but have failed to enroll. Enrollment is not automatic. Social Security does not remind people to enroll. If a person misses the enrollment period, that person must wait to enroll at a later date. This process may take as long as 18 months!
Solution: The Bridge Plan will cover that person with benefits similar to Medicare until the next enrollment opportunity.
Medicare Restriction #3: Some people, for various reasons, have only Part A or Part B. They may be able to acquire the additional part through Medicare, but at a later date.
Solution: The Bridge Plan may be sold with both Part A and Part B, just Part A, or just Part B.
Medicare applicants must live in the US for five years as legal residents before they are accepted into the program. Others may miss their application date and have to wait an extra 18 months before obtaining full medical insurance. The Bridge Plan is a temporary major medical insurance plan intended for use by seniors awaiting acceptance in the U.S. Medicare system.
This temporary plan comes in two parts. One covers hospitalization, hospice, nursing, and home health care; the other covers the costs of physicians and surgeons, ambulances and other medical needs.
Part A: Hospitalization
Hospice Facilities Benefits
Skilled Nursing Facility Benefits
Home Health Care Services Benefits
Part B: Physicians and Surgeons
Physicians and Surgeons Benefits
New Benefit – Complications Due to Hypertension Benefit
Health complications resulting from Medically-Controlled Hypertension will not be considered a Pre-existing Condition.
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