Frequently Asked Questions

       Yes.  Pre-existing conditions are not covered for the first 12 months following

       an Insured person's effective date of coverage.  However, the time an insured

       Person was covered under previous creditable coverage will be credited if

       previous coverage was continuous to a date not more than 63 days before

       the Effective Date of this coverage, exclusive of any applicable waiting period.

       A Pre-existing Condition means:  1) the existence of symptoms which would

       cause an ordinarily prudent person to seek diagnosis, care or treatment

       within the 12 months immediately prior or the Insured's effective date under

       the policy or 2) any condition which originates, is diagnosed treated or

       recommended for treatment within the 12 months immediately prior to the

       Insured's effective date under the Policy.  The pre-existing condition limitation

       does not apply to the dental/vision option.

       Medical - You must complete a claim form and send it along with your

       medical bills to The MEGA Life and Health Insurance Company.  It is your

       responsibility to file a claim and provide written notice of your claim within

       90 days from the date of any treatment.  (The MEGA Life and Health

       Insurance Company, P.O. Box 809025, Dallas, TX 75380-9025).

       Dental - Participating providers file all claim forms and acceptance

       reimbursement from United Concordia as payment in full.  If an out-of-network

       provider is selected, a detailed bill provided by the dentist must be submitted

       to United Concordia for reimbursement. (United Concordia Life and Health

       Health Insurance Company, 4401 Deer Path Road, Harrisburg, PA 17110).

       Vision - Participating providers file all claim forms and acceptance

       reimbursement from VSP as payment in full.  If an out-of-network provider

       is selected, an out-of-network reimbursement form must be completed

       No pre-certification is required but pre-admission notification is recommended

       prior to planned admissions or emergency admissions.

       The effective date will be the 1st of the month if the enrollment form is

       received by the administrator between the 1st and the 15th of any month.

       If the postmark date of the enrollment form is between the 16th and 31st

       of any month, your effective date will be the first of the following month.