Included with the application form are Evidence of Insurability forms. An Evidence of Insurability form must be completed for each person listed on the application and submitted with the application. Coverage is contingent on Health Alliance review and approval of the application and Evidence of Insurability forms. Upon approval, you will receive an invoice for your first premium. The reviewing process may take 4-8 weeks.
Coverage begins the first of the month following the date of approval.
Annual Deductibles Health Alliance PPO members are required to meet annual deductible amounts for preferred and non-preferred services before coverage begins. These deductible amounts are stated in the Summary of Benefits. Charges applied toward satisfying your deductible for non-preferred providers are also applied to your deductible for preferred providers. However, preferred provider charges do not apply to your non-preferred deductible amounts. If you receive care from a non-preferred provider, coverage is limited to reasonable and customary charges.