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International Newborn Care Plan®
| Premium | Four installments of: US $2,687.50. Due at 6 week ultrasound. |
| Deductible | US$15,000.00 Due at 6 month of pregnancy. Refund issued on any Over paid funds. |
| Refund of Claims Fund Account Deductible Deposit | Any unused amount will be refunded back to you once all the claims are paid and your account is closed (6 months after the delivery).
If the deductible deposit is depleted then the insurance will start to pay claims. At any time you may request a ledger on your account by contacting our claims administration company; New World Administrators, Inc. |
| Refund of Premium: | 100% refund of International Newborn Care Coverage premium if loss occurs any time pregnancy or stillborn and no claims have occurred less a $750.00 Broker/administration Fee. |
| Pre-Certification Requirements |
This plan requires the Pre-certification, not less than 7 days in advance, of all Medical Treatment except Emergency Treatment. For Emergency Treatment, certification is required no later than 72 hours after a weekday admission or no later than the next working day if admission is on a weekend or legal holiday. |
| Exclusions: | Two or more fetus' or babies. |
| Requirements: | Online application must be completed by Intended Parent(s) and Surrogate and accepted and approved by New Life Agency, Inc. underwriters. |
| Coverage Term: | The International Newborn Care policy remains in effect Sixty (60) days from the Date of Birth, Death of the Insured, Insured departing the USA on any journey scheduled to end outside the USA.insurance. |
International Newborn Care Summary Of Plan Benefits
| Plan Maximum | $100,000 in negotiated coverage. (negotiated coverage is the amount of the claim after PPO Network discounts are applied.) |
| Coverage | Single newborn ONLY. (If you are considering twins, ask about our PPO Network Discount Plan only.) |
| Hospital Expenses | All medically necessary expenses for newborn in the Intensive Care Unit and Subacute Intensive Care Unit. |
| In-Network Payment Percentages |
100% |
| Network claims | All claims, including well- baby claims, will be processed ONLY through the network rates. Well- baby claims are excluded under your insurance limit. |
| Out of network Payment Percentages |
Coverage is 100% up to the plan maximum of $100,000 in negotiated rates. Clients may be balanced billed for any charges over the negotiated amount and up to the limit of $100,000.00. |
| Coordination of benefits |
This policy shall be considered primary to any other known or existing medical insurance. |
Why Do You Need The International Newborn Care Plan®
Health care costs are different in the United States than other countries around the world. The United States health care system is principally funded through private insurance. Reciprocity between countries which both have socialized health care does not occur in the United States. Therefore, coverage you may have on you or your family will not apply to your newborn in the United States.
Here are good explanations of why you need the International Newborn Care coverage:
1. Higher risk on IVF newborn.
Claims for babies born through Surrogacy or IVF pregnancies have a 30% higher claims risk ratio. This plan Offers confidence and peace of mind if International clients that have complications with their newborn in a US hospital.
2. International Intended Parent(s) must show proof of insurance at US Hospital.
Most US Hospitals mandate insurance or a large deposit being in place for international clients having their babies born through surrogacy prior to surrogate admittance to the hospital. With our plan all you have to do is show your New Life Insurance card to verify benefits at birth.
3. Potential financial risks.
Starting a family is a monumental decision. When starting a family involves assisted reproduction, there are going to be risks greater than those faced by other parents. These include potential financial risks from complications resulting in large claims for your newborn.
No responsible parent sets out on the course of bringing a new life into the world and of loving that child and rearing that child to healthy adulthood without taking steps to reduce those risks. No responsible parent brings a new life into the world without insurance.
New Life Agency specializes in mitigating this kind of risk for the eventualities that could jeopardize the well being of yourself and your family.
4. Paying claims during your stay in the United States and after you have returned home is difficult to manage.
Claims processing may take several months to adjudicate. All claims will be managed through your Claims Fund Account. Neither you nor your Surrogate will ever pay claims directly on your newborn. An explanation of benifits with claims detail is issued every time a claim is paid from your Claims fund Account and is available upon your request.
5. Claims are aggressively discounted through our Third party administrator.
The claims administrator duty is to achieve the highest negotiated rates to reduce your liability when complications arise.
6. Refund of Premiums.
If loss occurs any time during pregnancy or stillborn and no claims have occurred a FULL refund of premium is issued less a $750.00 Broker/ Administration Fee.
7. Large network of medical providers.
The network accesses one of the largest PPO provider networks of medical care providers in the nation; offering cost savings based on agreed contracted network service provider rates.
Network of Providers
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Use the Network Providers To access the most current list of network providers click to: |
California Residents all policies except INCC: California Foundation for Medical Care | ||
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California Residents Only for INCC discount plan: Interplan Health Group | ||
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Residents for the following states: AZ, FL, IL, IN, IA, KY, MI, NE, NV, ND, OH, WA, WV, WI: Interplan Health Group | ||
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Residents for the following states: AL, AR, CO, CT, DE, DC, GA, HI, ID, KS, LA, ME, MD, MA, MN, MS, MO, MA, NH, NJ, NM, NY, NC, PA, RI, SC, SD, TN, UT, VT, VI, WY: First Health Network | ||
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Oregon Residents Only: Providence Health Plans | ||
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OK & TX Residents Only: HealthSmart Preferred Care
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Show your ID Card when you check in The doctor's office and hospital admissions department will ask if you have insurance. Just give them your ID card. It has everything they need! |
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Doctors and Hospital Submit Claims All claims will be submitted by doctors and hospital directly to New World Administrators |
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| A NEW STANDARD OF CARE... Serving Future Families Health Claims Today. |
Please Note: In order for you to receive the maximum savings you must use participating providers.
For pharmacy prescription expenses, you will need to pay the pharmacy directly for your prescription(s). All you need to do is submit your receipts directly to New World Administrators, and they will process your reimbursement per the terms of the policy.
In Network Payment Percentages: Participating providers get paid 100% of the allowed charges. The insured can't be balanced billed.
Out of Network Payment Percentages: Non participating providers get paid 100% up to the plan maximum of $500,000 in reasonable & customary or negotiated rates. Clients may be balanced billed by the providers for any charges over the paid amount. Charges for balance bills do not apply towards any policy maximums. The reasonable and customary charges are determined by the geographical area in which the providers reside.
Services Provided
| " | Access to provider discounts of up to 60% (0%-60%) on all newborn claims, including in- patient well baby care. (in-patient well baby care is not covered in your insurance these claims are discounted only.) |
| " | Enrollment processing to include Insurance Care Card. |
| " | Program Verification and service calls to providers. |
| " | Access to an extensive PPO network of Hospitals and Physicians in most states. |
| " | Claim processing to include re-pricing and aggressive discount negotiations, if necessary. |
| " | Explanation of Discount provided for each claim clearly detailing the amount due to the providers of service. |
| " | Electronic or Paper notification of claims processed. |
| " | Fully staffed Toll-Free Customer Care Line. |
| " | Assistance in coordination between provider and client to ensure all claims are paid timely and accurately. |
| " | 24 hour emergency hotline |
Preexisting Limitations And Exclusions
Exclusions:
Well Baby Care, Nervous and Mental Coverage, Congenital Hereditary Conditions
Requirements:
The INC plan may be purchased at any time prior to any known complication of pregnancy or birth.
INC Application must be completed by Intended Parent(s) and Surrogate and accepted by New Life Agency, Inc.
Limitations:
Coverage may be deemed limited or denied by underwriting review.
Application is recommended prior to pregnancy, no later than 12 weeks gestation
Pregnancy must be achieved within 9 months.
Medical Claims must occur in US.
Sixty (60) days from the Date of Birth, Death of the Insured, Insured departing the USA on any journey scheduled to end out side the USA.
This Certificate provides limited benefits, and should not be considered Basic Hospital or Basic Major Medical Coverage.
Pre-existing Conditions:
This Policy covers no Pre-existing Conditions