HMSA’s health plan for sole proprietors strikes a balance
between the coverage you need and a cost you can afford. HMSA’s
Individual Business Plan-HMO (IBP-HMO) offers broad coverage for medical services,
prescription drugs, and vision and dental care.
Additionally, HMSA has arranged a $15,000 group-term life and accidental
death and dismemberment benefits policy for plan subscribers through
Benefit Services of Hawaii, Inc.
There are more good reasons to select HMSA’s IBP-HMO:
- Large provider network: Select your
personal care physician from the HMO Hawaii health center of your
choice.
- Access to HealthPass: This program offers a health risk assessment
and preventive services to help you identify potential health problems
and reduce your health risks.
- Precertification: To help control
expenses, this plan includes features to help members get appropriate
health care in the proper setting. Precertification ensures that certain
medical treatments, procedures or devices meet payment determination criteria before services are rendered.
HMSA’s IBP-HMO is medically underwritten and your
application is subject to approval. This means that the professional
medical underwriters at HMSA and its business associate, Medwise
Partners, Inc. (MPI), will review your medical history to determine
if you will be offered plan coverage. During the medical
underwriting process, HMSA or MPI may request additional information, medical records
and lab tests needed to complete the review.
Upon approval, you will be notified of your plan’s
effective date and be billed for your first month’s dues. Because this
is a medically underwritten plan and subject to approval, we strongly
encourage you to keep any existing health care coverage until your
IBP-HMO coverage is confirmed.
The 2009 Dental Guide to Benefits are currently being updated and will be posted
soon. Please check back again or refer to the 2009 Dental Summaries. We apologize
for the inconvenience.