FAQs

Q.Who is eligible to apply for membership?: A.
Health Essential provides both Membership benefits and Insurance benefits available to individuals from age 18 through age 64 with coverage terminating the day you turn 65.
The Health Essential Plan series is available in all states except: AK, CT, KS, MD, ME, MT, NH, OR, RI, WA, or VT. State options and benefits may vary. There are plans available in NJ and NY, but they have different benefits, rates and the sales distribution is restricted.
Q.Are there any waiting periods for insurance benefits?: A.
There are no waiting periods for accidental injuries, however there is a 30 day waiting period for sickness. There are no additional insurance waiting periods.
Q.Are there any waiting periods for non insurance Association benefits?: A.
There are no waiting periods. You can begin saving once your payment is accepted and approved.
Q.When does my coverage begin?: A.
Once your payment is processed and approved your coverage is available 12:01am the next day or your selected date no longer than 30 days from your enrollment date.
Q.Do I have to use a Beech Street PPO Network provider?: A.
Members under this plan may choose to be treated within or outside of the Beech Street Network. Beech Street consists of hospitals, physicians, and other health care providers organized into a network for the purpose of delivering quality health care at affordable rates. As part of your Membership plan, an arrangement has been negotiated with the Beech Street Network to treat insured individuals for a reduced fee over the customer fees of non-Network Providers. Reimbursement rates will vary according to the source of care as described in your Plan Benefits. In order to use the services of a participating provider, you must present the Identification Card that is provided to you upon purchase of your plan and payment of the membership retail cost. To determine which providers are in the Beech Street Network, call 800 432-1776 or go online to www.beechstreet.com.
Q.How do I get a Certificate of Coverage: A.
If you are applying online, your fulfillment package and ID card is available immediately after you complete your purchase and your payment is approved. If you are applying by paper enrollment form, your membership handbook and identification cards will arrive in the same package via U.S. Mail within 3-5 business days after payment is received and approved.