Question. Who should I discuss my insurance needs with?

Answer. Contact your independent insurance agent.

Question. Who can answer my questions regarding this plan?

Answer. If you have not applied for this plan and are not currently insured under this plan, contact your independent insurance agent.

If you have applied for this plan or you are currently insured under this plan, contact your independent insurance agent or the Customer Service Department at 1-800-753-1000 (Monday through Friday / 8:30am to 5:00pm EST). Note – Important contact information is listed on the insurance information card(s) issued to approved applicants.

Question. What does this plan cover?

Answer. Please refer to the Plan Highlights section of this site for plan covered expense highlights. It is important to note that plan benefits and covered expenses vary by state and are described in detail in the Policy or Certificate issued by The Chesapeake Life Insurance Company to approved applicants.

Question. What portion of covered expenses must I pay?

Answer. First, you are responsible for satisfying the Benefit Period deductible ($250; $500; $1000; $2000; or $5000) you selected. The deductible amount will be automatically deducted from benefit payment(s) until it has been fully satisfied. Following deductible satisfaction, the plan then pays the next $5000 in covered expenses at the benefit level (*80% or *50%) you selected -- this is called coinsurance. Any additional covered expenses, in excess of the deductible and coinsurance, are then paid by the plan at *100% up to the benefit and/or plan maximums. Deductible, coinsurance and plan maximums are per person per Benefit Period.

*Unless otherwise stated in the Policy or Certificate

Question. Does this plan use a Pre-Admission Notification service?

Answer. Yes.  If you contact the Pre-Admission Notification service prior to a scheduled hospital admission or immediately following an emergency hospital admission, trained medical professionals will review the proposed plan of medical care for appropriateness and advise you of any available options that you may wish to consider.  This is a voluntary service designed to help you make more informed decisions about the care you receive.

Question. What healthcare providers and facilities can I receive treatment from?

Answer. This plan is not an HMO or PPO managed care plan. Should you become sick or injured, you have the freedom to choose your own healthcare providers and facilities.

Question. How long can I keep this coverage?

Answer. If you select the monthly payment option, coverage is available in 30 day increments up to the 180 day maximum Benefit Period. If you select the single payment option, enter the exact total number of days you need coverage for (30 day minimum Benefit Period / 180 day maximum Benefit Period).  The Benefit Period you select is the maximum length of time that your coverage will stay in force.

Question. What if I need further treatment after my Benefit Period expires?

Answer. Please refer to the Plan Highlights section of this site for extension of benefits after termination information.

Question. After my Benefit Period expires, can I re-apply for coverage?

Answer. This plan is not renewable nor intended to be permanent coverage. Coverage will terminate upon expiration of your Benefit Period. However, you may be eligible to apply for another Benefit Period following the expiration of your previous Benefit Period. If a new Benefit Period is applied for and issued by The Chesapeake Life Insurance Company, there is no continuous coverage between any previous and current Benefit Period. Any condition or symptom which occurred under a previous Benefit Period may be treated as a pre-existing condition under a subsequent Benefit Period. Note – In no event will The Chesapeake Life Insurance Company issue successive Benefit Periods totaling more than 360 days. (unless otherwise limited by state law)

Question. When does my coverage begin and end?

Answer. Please refer to the Plan Highlights section of this site for coverage effective and termination date information.

Question. Can I change my Benefit Period?

Answer. No. Once your application has been submitted, the Benefit Period cannot be changed.

Question. Can I change my coverage effective date?

Answer. No. Once your application has been submitted, the effective date cannot be changed.

Question. Can I change my deductible?

Answer. No. Once your application has been submitted, the deductible cannot be changed.

Question. Can I add or delete family members from my coverage?

Answer. No. Once your application has been submitted, you cannot add or delete family members (spouse; children), unless otherwise required by law.

Question. If I select the monthly pay option, how will I be billed?

Answer. If you made your initial payment by:

Personal Check - Payment coupons will be enclosed with your Policy or Certificate. Each payment coupon is for a 30 day coverage period and identifies the payment due date, amount due, and address where to send your payment. Your payment(s) for the exact amount(s) due must be received by The Chesapeake Life Insurance Company on or before the indicated due date(s).

Automatic Bank Draft or Credit Card – Your monthly payment for each 30 day coverage period will be automatically debited from the bank account or MasterCard / VISA you identified in the “Electronic Payment Authorization” form.

Important – If your initial payment is dishonored by the bank or credit card issuer, coverage will be canceled and cannot be reinstated. If a payment (after the initial payment) is dishonored by the bank or credit card issuer, coverage may be terminated and cannot be reinstated.

Question. Can I change my payment method?

Answer. Yes. Only if you selected the monthly payment option and made your initial payment by automatic bank draft or credit card. Important – To make future monthly payments by personal check, you must send written notification to The Chesapeake Life Insurance Company stating that you wish to discontinue monthly electronic payment debits and make future monthly payments by personal check.
If you made your initial payment by personal check, future monthly payments cannot be made by automatic bank draft or credit card.

If you made your initial payment by check or money order, future monthly payments cannot be made by credit card.

Question. If my age changes after coverage begins, will my premium change?

Answer. No.

Question. If I move after coverage begins, will my premium change?

Answer. No.

Question. Can I cancel my coverage and receive a refund?

Answer. Yes - only if you return the Policy or Certificate to The Chesapeake Life Insurance Company, within 10 days of delivery, with your written request for cancellation. Coverage will be canceled/void as of the effective date and your initial payment will be fully refunded. If you made your initial payment by credit card, we will issue a credit to that credit card account. If you made your initial payment by automatic bank draft or personal check, we will issue a refund check to the primary applicant.

After the “10 day free look period” expires, no refund is available (unless otherwise mandated by law).

The Policy and Certificates issued under it, will be deemed amended to conform to the minimum requirements of the laws of the state in which coverage is issued.

Question. Is this plan subject to the federal Health Insurance Portability and Accountability Act (HIPAA) of 1996?

Answer. No. Under HIPAA, short term limited duration plans are exempt from this legislation. This plan is not: guaranteed issue; guaranteed renewable; and the pre-existing condition limitation is not waived for federally eligible individuals.

Question. Is this plan considered "creditable coverage" under HIPAA?

Answer. Yes. Under HIPAA, short term medical plans are generally considered creditable coverage.