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On Guam, the best health insurance is the "StayWell Gold Plan". This Guam health insurance plan provides coverage with low fixed co-payments. We can help you with your policy! The benefits offered in this Gold Plan are covered with certain benefits subject to limitations. To use your insurance, Gold Plan members are required to pay a fixed co-payment for most benefits before StayWell pays the remaining eligible charges, but it's only a fraction of the cost, so no worries. If you have Gold Plan insurance on Guam, you may see any doctor, even if you travel. StayWell Gold highly encourages you to seek care within its network of Participating Providers, but you can use other doctor's. Remember by staying within the network, members will save a substantial amount of money.
Guam's StayWell Plan pays 80% of the “eligible charges” for services rendered in the CNMI. Your coverage per family member over a lifetime extends up to $1 million including up to $25,000 per year for off-island care at a Center of Excellence in the Philippines, or at participating providers in Guam.
Eligible charges are the rates the company has agreed to pay its participating providers for covered services.
All claims on eligible charges must be filed within 90 days after you receive the medical services or payment will be denied.
Some exclusions and limitations apply to your general coverage. Please consult your policy for a full description of the benefits, limitations and procedures of this plan.
Here is a health insurance FAQ
"How long does it take?" Underwriting a health insurance application can be a lengthy process, taking as long as 3 months or sometimes as quick as one day. The underwriting process can experience holdups if the underwriter needs to get in touch with the applicant for a phone interview but the applicant is hard to get in touch with.
The most common holdup occurs when the underwriter has decided to order records from the applicant’s doctor to help make the final decision. Once you submit an application with a health insurance company, it is always a good idea to track the underwriting process or work with an agent or broker who will do this for you. Often times the doctor’s office of which the underwriter requested records from needs a little push to get things done. It is not up to the doctor’s office to get these records to the health insurance company in a timely fashion, so being proactive in the process always helps.
In addition, the applicant can make the underwriter’s job easier by providing the most accurate and detailed information possible on the health insurance application. When the underwriter receives the health insurance application they are often please when the application matches the history of claims they have for the file.
We have people who can help you with your policy. If you live in Hagatna (96932) or (96910) - call Morgan Moran. Also serving - Agana Heights (96910), Talofofo (96915), and Mongmong, GUAM (96910)
On Guam, the best health insurance is the "StayWell Gold Plan". This Guam health insurance plan provides coverage with low fixed co-payments. We can help you with your policy! The benefits offered in this Gold Plan are covered with certain benefits subject to limitations. To use your insurance, Gold Plan members are required to pay a fixed co-payment for most benefits before StayWell pays the remaining eligible charges, but it's only a fraction of the cost, so no worries. If you have Gold Plan insurance on Guam, you may see any doctor, even if you travel. StayWell Gold highly encourages you to seek care within its network of Participating Providers, but you can use other doctor's. Remember by staying within the network, members will save a substantial amount of money.
Guam's StayWell Plan pays 80% of the “eligible charges” for services rendered in the CNMI. Your coverage per family member over a lifetime extends up to $1 million including up to $25,000 per year for off-island care at a Center of Excellence in the Philippines, or at participating providers in Guam.
Eligible charges are the rates the company has agreed to pay its participating providers for covered services.
All claims on eligible charges must be filed within 90 days after you receive the medical services or payment will be denied.
Some exclusions and limitations apply to your general coverage. Please consult your policy for a full description of the benefits, limitations and procedures of this plan.
Here is a health insurance FAQ
"How long does it take?" Underwriting a health insurance application can be a lengthy process, taking as long as 3 months or sometimes as quick as one day. The underwriting process can experience holdups if the underwriter needs to get in touch with the applicant for a phone interview but the applicant is hard to get in touch with.
The most common holdup occurs when the underwriter has decided to order records from the applicant’s doctor to help make the final decision. Once you submit an application with a health insurance company, it is always a good idea to track the underwriting process or work with an agent or broker who will do this for you. Often times the doctor’s office of which the underwriter requested records from needs a little push to get things done. It is not up to the doctor’s office to get these records to the health insurance company in a timely fashion, so being proactive in the process always helps.
In addition, the applicant can make the underwriter’s job easier by providing the most accurate and detailed information possible on the health insurance application. When the underwriter receives the health insurance application they are often please when the application matches the history of claims they have for the file.
We have people who can help you with your policy. If you live in Hagatna (96932) or (96910) - call Morgan Moran. Also serving - Agana Heights (96910), Talofofo (96915), and Mongmong, GUAM (96910)
