HMO Plan Designs

    through Preferred Health Systems of Kansas, Inc.

With this type of plan, a primary care physician manages all your basic care. These plans require that you see network doctors for any reimbursement. In order to see a specialist, you must obtain a referral from the physician managing your care.

Pre-existing Condition
A pre-existing condition provision may apply if medical services are received during the first 90 days after the effective date of coverage and medical advice, care or treatment, or diagnosis was made or received for the same condition 90 days prior to the effective date of coverage. The provision will not apply if you and/or your dependent(s) have been covered under another health insurance policy within 63 days prior to the effective date of this coverage, without a gap in such coverage. This provision will not apply to pregnancy or to a child who is enrolled in the plan within 30 days after birth, adoption, or placement for adoption.