HMSA’s Individual Care Plan is one of the best investments you can make
to protect your health. The plan gives you two options to choose
from: Basic option and High option. You choose the option that best
meets your financial and health care needs. Both options provide coverage
for office visits; surgical, hospital and maternity services; diagnostic
tests; emergency room visits; and preventive services to help keep you
and your family healthy.
There are more good reasons to select HMSA’s Individual Care Plan:
- Large provider network: You have access to a large network of medical
providers throughout Hawaii. You and each eligible dependent select a
health center and a personal care physician who will coordinate
all your health care services.
- Financial protection: This plan features a maximum annual copayment,
which provides our members with financial protection. Once you meet the
copayment maximum, you are no longer responsible for copayment amounts
for the rest of the calendar year.
- Away From Home Care: All plan benefits apply within Hawaii,
and some services are covered on the Mainland and worldwide.
HMSA’s Individual Care Plan 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
Individual Care Plan coverage is confirmed.