Moti

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  • How to locate a medical provider in the US?

    How to locate medical providers in the US Network of the ORBE plan by Wellaway? Click here to locate a medical provider. Enter your zip, city, country or state.  Choose Passport to Healthcare® Pr...

  • HMO

    A Health Maintenance Organization (HMO) provides services through a network of providers at a pre-negotiated rate. If you seek health care outside this network you may be asked to pay the full amou...

  • What are medical notes or medical reports?

    A medical note is a document produced by your physician that explains to the insurance company what happened during the medical treatment. It may be a hand-written note by your doctor or an electro...

  • What documentation is required for sending a claim?

    In order to make a claim you must present the following documentation: Copies of the bills with the appropriate currency Receipt of payment of the bill Date of service Description of the service (...

  • What happens if I miss a premium payment?

    If you miss a payment (for example, due to your credit card being denied) you have a grace period of 30 days during which your insurance will remain valid, as long as you pay your premium within th...

  • What is not covered under my insurance?

    All insurance companies have exclusions listed in the policy wording. Exclusion means that the company will not pay for the treatment of a certain condition, and it will not be counted towards your...

  • How is my premium calculated?

    Your premium is calculated based on the following factors (some of them do not apply for all insurance companies):   Ages of the people covered under the Insurance companies work in age groups and...

  • How do I know what my policy covers?

    If you want to know what your policy covers and what it excludes, you should always read the Schedule of Benefits which details the level of coverage and any sub limits that may be imposed on your c...

  • Guarantee of Payment

    A Guarantee of Payment (GOP) defines the charges your insurance company has agreed to pay for medically necessary services and clearly indicates any co-payments, co-insurance or deductibles, which a...

  • How does a family deductible work?

    The deductible is the amount you need to pay per year for medical services before the policy benefits are applied. It is applied once per policy year, for each insured person, and is accumulative fo...