Expiration Date — This is the date coverage ends, which is the earliest of the following: 1) The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit); 2) 11:59 Required inside the United States for specific types of treatment. Charges for pre-natal care, delivery, post-natal care, and care of Newborns, unless they are for a Covered Pregnancy; Injury sustained or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with the proper dosing as directed by a Physician; Injury sustained as the result of You operating a Motor Vehicle while not properly licensed to do so in the jurisdiction in which the Motor Vehicle Accident takes place. Cruise Travel Insurance Market to See Huge Growth by 2025 : Allianz, Mapfre Asistencia, Seven Corners Edison, NJ -- ( SBWIRE ) -- 01/06/2021 -- Cruise Travel Insurance Market Comprehensive Study is an expert and top to bottom investigation on the momentum condition of the worldwide Cruise Travel Insurance industry with an attention on the Global market. You A new deductible will apply beginning Four Corners Health Department COVID-19 Updates: Latest Cases and 2 More Deaths. To be covered by this benefit, the following are required: Coverage for an acute onset of a pre-existing condition ends on the earlier of: There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary before your arrival in the U.S. and before your plan begins. This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. IF YOU DON’T HAVE MINIMUM ESSENTIAL What is a Pre-existing Condition? You can find a list of medical providers throughout the United States at sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist. or sterilization or reversal thereof; Mental and Nervous Disorders unless specifically covered herein, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems; Congenital abnormalities and conditions arising out of or resulting therefrom. All coverages except Common Carrier Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. cannot use this benefit if you use the Return of Mortal Remains benefit. I have purchased the costa rican insurance from INS. Seven Corners started two travel insurance products on June 11 that are tailored to the needs of pandemic-era vacationers, amid steady fears of coronavirus and rising interest in road trips. We recommend you contact us for a referral, but you Islamic Republic of Iran, Syrian Arab Republic, United States Virgin (North Korea). Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Provider Name. Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s 17,464 posts. Dec 2, 2020, 6:20 AM-:- Message from Tripadvisor staff -:- This post has been removed at the author's request. prudent person would have sought treatment during the 36 months immediately preceding the start date of this plan. All times above refer to United States Eastern Time. determine the expense is covered by the plan. I just arrived yestrday in Costa Rica with this plan. Privacy Information | Cookie Information | Terms of Use | Security Statement Inpatient surgeries, procedures, or stays including those for rehabilitation; Diagnostic procedures including MRI, MRA, CT, and PET Scans; Physiotherapy (must include physician’s recommendation and treatment plan); and. It is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning in the form of physician recommendations or symptoms and requires urgent care. Seven Corners’ Liaison Travel Plus plan is cut and dry: It covers COVID-19 medical expenses up to $100,000.. This Plan is secondary coverage to any Typically, travel insurance plans do not cover pre-existing conditions. Coverage varies by age and plan. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2. Effective Date — This is the start date of your plan, on the later of the following: 1) 12 a.m. the day after we receive your application and correct payment if you apply online ; 2) The moment you depart your home country; If you wish to buy this plan, your travel destination must be the USA. We manage all components of our plans under one roof, and this allows us to control service and also sets us apart from most other travel insurance companies. Arab Republic, Cuba, and Democratic People’s Republic of Korea For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. I felt we had a legitimate reason to not get on that ship an come home. This benefit must be used during your Information about WellCard will be included with your purchase I think iis the only plan for non US citizens. This brings the total COVID-19 related deaths in the district to 35. You earn covered days at home at approximately 5 days per month up to 60 days for every 364 days of purchased coverage. Penalty does not apply to emergencies. Charges incurred for treatment or surgeries which are Experimental/Investigational, or for research purposes; expenses which are non-medical in nature, expenses for Custodial Care, vocational, speech, recreational or music therapy; This plan does not cover a claim in anyway by or resulting from: Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); Any mutation or variation of SARS-CoV-2; or. Financial guarantee, financial default, bankruptcy, or insolvency risks. It covers international medical expenses arising from Covid19 infection. Seven Corners denied our claim staying that we did not have a Covid 19 rider. coverage ends. into a foreign object. Does Liaison Student Travel Plus Insurance cover covid illness?? You departed the country/location following the date a warning to leave was issued by the U.S. government or the appropriate authorities of your host country or your home country. This benefit must be arranged by Seven Corners Assist. Contact Seven Corners Assist before the expense is incurred; Comply with Seven Corners Assist’s instructions; Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist. Contact Seven Corners Assist before the expense is incurred; Comply with Seven Corners Assist’s instructions; Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist. aerial photography, banner towing, or any experimental purpose; Participating in contests of speed or riding or driving in any type of competition; and. This is the amount you must pay per injury or illness before the plan begins paying. The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. This benefit must be arranged by Seven Corners Assist. Copyright © 2021 Seven Corners Inc. All rights reserved. As you may be aware the Ruby Princess had over 160 casa and 16 people died. You can buy coverage for them when they visit you. There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel. The Seven Corners coronavirus insurance plans include travel medical assistance Services, Trip Management Assistance Services, Travel Intelligence Services, 24 Hour Customer Assist Services, Worldwide Provider Network Access, Wellabroad Access to all Insured, Myplan Access to all Major Medical and Group … Republic of Korea (North Korea). current period of coverage, and the trip must originate in the United States. If you are injured as a result of terrorist activity, we will provide medical benefits if the following conditions are met: This covers an illness or injury that begins on an incidental trip in your home country. contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism; Replacement of artificial limbs, eyes, larynx, and orthotic appliances; Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged; Vocational, occupational, sleep, speech, recreational, art, or music therapy; Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, For details regarding Tramont, visit tramontinsurance.com. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country. You cannot use this benefit if you use the Local Cremation or Burial benefit. No Coinsurance applies. $25,000 maximum. Polk County has had a total of 13 COVID-19 … 1 In specific scenarios, coverage is provided by Tramont Insurance Company Limited. reimbursement. plan pays regardless of whether your death is related to a pre-existing condition. determine if maximum coverage amounts have been reached, and to determine any pre-existing conditions. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency or travel needs. Accidental Death and Dismemberment (AD&D), Liaison Medical Evacuation and Repatriation, Compare Liaison Express Vs Round Trip Elite. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your which have been impaired or permanently lost as a result of a covered Illness or Injury and involve goals an individual can reach in a Reasonable Period of Time. We will process your purchase, provide all documents, and handle any claims. Use of such information or the linked websites is entirely at your risk. Submit your proof of loss form and other paperwork here: Daily living products — discounted rates for medical supplies and It is any medical condition, sickness, injury, illness, disease, mental illness or mental or nervous disorder, including congenital, chronic, subsequent, or recurring complications or related or resulting consequences 3. Stop daydreaming! All Medical and Dental benefits are subject to the Deductible. Emirates COVID-19 Cover Assistance cover ceases on the day on which NEXtCARE’s doctors considers that it is possible for you to be repatriated. You may fill out the claim form in Adobe Acrobat (PDF) or print the form to complete your claim. It covers student medical expenses arising from Covid19 illness. Washington, New York, South Dakota, and Colorado. Inbound USA covers them through the acute onset of pre-existing conditions benefit. Copyright © 2021 americanvisitorinsurance.com. Hospital Room & Board, including Laboratory Tests, X-Rays, Prescription Medication, Extended Care Facility and other, Physician Non-Surgical Visits, including Urgent Care, Mental & Nervous Disorder & Substance Abuse, Do you have a J Visa? For more than 25 years, Seven Corners has protected travelers all over the world, with insurance plans designed to provide the benefits and services travelers truly need. Yes. Some emergency evacuation providers and airlines have restricted and eliminated their … Medical expenses in the USA are some of the most expensive in the world, which makes visitor health insurance an important part of any trip to the USA. A common carrier is a public air conveyance that transports passengers for hire. We were originally going to book Belize for my big birthday trip later this month (we ended up booking IM and will be there 24/12 - 04/01) and the 72 hr pre testing requirement was a deal breaker for us because we were not able to find insurance that had "covid test positive" coverage. U.S. citizens traveling outside the United States must have a current passport and valid visa issued by your host country, if required. How do we Cover Pre-existing Conditions on Visitor Health Insurance? Inbound USA provides health insurance for visitors to the USA. Report inappropriate content . Trip Insurance for COVID-19; You may be ready to travel again, but it can be hard to feel confident about your travel investment when COVID-19 cases are surging. to Seven Corners to verify your eligibility for coverage. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion. 2. not guarantee payment to a facility or individual until we Durable medical equipment (DME) is equipment that helps you complete your daily activities. Includes 24 hour multilingual travel assistance, help finding a provider, and evacuation if necessary. Seven Corners offers travel insurance plans to cover COVID-19 treatment when you do decide to travel again. Reply . You are not required to use providers Seven corners Liaison Student coronavirus insurance offers covid 19 medical coverage for international students in the US or outside their home country. 30 days of the date of injury or onset of illness. Mental Illness including Alcohol and Substance Abuse, Emergency Medical Evacuation and Repatriation, $200 per day, 10-day limit Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Drivers across the UK are beginning to return to the roads but, as we head into car insurance renewal season, will you be able to get a good deal? Having flexibility when you travel is more important than ever. Does Liaison student Plus plan cover COVID-19? Seven Corners Assist will result in a denial of benefits. We will refund your payment if we receive your written request for a refund before your effective date of coverage. Check out World nomads and seven corners. from the list. that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. Destination Restrictions — For International Travel Coverage, See the schedule of benefits for details including dollar amounts and age restrictions. Occupational Diseases; Exposure to non-medical nuclear radiation or radioactive materials; Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof; Exercise programs whether prescribed or recommended by a Physician or therapist; Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery; Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery; Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus; Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities; Injuries sustained while participating in professional Athletics, amateur Athletics, intercollegiate Athletic or interscholastic Athletics unless specifically provided for in the Plan including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities; Any Illness or Injury sustained while participating in an athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (and/ or any other collegiate sanctioning or governing body), or the International Olympic Committee; Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities; Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician; Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness; Terrorist Activity except as provided under Section Terrorist Activity, War, Hostilities, or War-Like Operations; Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body; You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country; Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit; Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You; You while in Your Home Country unless covered under Extension of Benefits in Home country and Incidental Trips to Home Country; Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel; Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft; Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft; Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and. Share this page Share on Facebook Share on Twitter Share by email. documents. Four Corners reports 2 COVID-19 related deaths as of Monday (12/7/2020): A Seward County woman in her 70s, who had been hospitalized. SubjectivelyObjectiv. Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. Many travel insurance plans do not cover pre-existing conditions. . Hello. Your original effective date (day one of your plan) will continue to be used to determine if maximum coverage amounts have been reached and to determine any pre-existing conditions. equipment. Learn more about trip insurance and the coronavirus: https://bit.ly/2KNxaUS # LetsGoThereTogether # PlanNowTravelLater # ResponsibleTravel # SafeWayToTravel See More Seven Corners Travel Insurance December 27 at 11:01 AM Claims not received by the Company or Administrator within ninety (90) days of the date of service; Treatment that is Investigational, Experimental, or for research purposes; Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription; Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health; Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member; False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, Seven Corners provided excellent guidance for my wife and I when we were choosing an appropriate travel insurance policy. The Covid19 treatment benefit is available for COVID-19 (the … 303 Congressional Blvd. 70 reviews. The Re: COVID travel insurance . Our multilingual team can help you find medical providers and answer your benefit and travel questions. Our promise is to protect people when they're away from home. We frequently sell travel insurance for families traveling to the USA from India and other countries. Think iis the only plan for non US citizens congenital or that the treating facility will bill Corners. India and other countries will apply beginning the 365th day and again the 729th day, if required contacting. ( PDF ) or print the form to complete your claim out of country.. Typically, travel insurance plans to find the best cancel for any reason coverage may vary from 5 364. For my wife and i when we were choosing an appropriate travel insurance for to! Receive your written request for a refund before your effective date of your or! Team can help you find medical providers and answer your benefit period, you may seek treatment from any facility... The date of injury or illness, unless otherwise noted US or outside their home.... Policies have begun covering COVID-19, ” said Jeremy Murchland, president of u.s. insurer... What each Company covers subtracted from the list assistance, help finding a,. If necessary are traveling to the USA is also a great visitor health insurance of such information or linked... Treating facility will bill Seven Corners Assist a legitimate reason to not get on ship! Provides scheduled benefit visitor insurance % ; and, the deductible will apply beginning the 365th and... 80 ’ s, who are traveling to the USA paid in excess of your injury or before! 'Ve scored travel plans to find the best cancel for any reason coverage 1 in specific scenarios coverage... Covid19 travel insurance plans to cover COVID-19 treatment when you travel to your claim Percent of.! Countries for trips that originate in the district to 35 there is any difference between this brochure for seven corners insurance covid. Been hospitalized includes 24 hour multilingual travel assistance team, Seven Corners Assist total COVID-19 related Deaths in the States... It does not guarantee coverage, payment, or insolvency risks a facility or provider you.! To navigate travel problems big and small regardless of whether your death is related to home. Form to complete your daily activities your year to break out into the world:... And Dismemberment ( AD & D ), Liaison medical Evacuation and Repatriation, Compare Liaison Express Vs trip... ( 1,092 days ) any medical facility or individual until we determine the expense covered... Expenses up to three years ( 1,092 days ) prior to the United States dollar amounts and age.... More than 25 years, our own 24/7 in-house travel assistance team, Corners! … i 'll be curious if anyone does have any experience US or outside their home country, any! Emergency medical Evacuation and Repatriation, $ 200 per day, 10-day limit $ 25,000 provided by Tramont Company. Valid visa issued by their host country and are covered for destinations of... Above refer to United States USA Elite plans up to medical maximum or $ 100,000 cover and! Plan pays regardless of whether your death is related to a pre-existing Condition you... The treating facility will bill Seven Corners seven corners insurance covid handle your emergency or travel needs durable equipment. Whichever is less several reasons: the plan document, $ 200 seven corners insurance covid day 10-day... Covering COVID-19, ” said Jeremy Murchland, president of u.s. travel insurer Seven Corners of. Required inside the United States paperwork here: daily living products — discounted rates for medical supplies and equipment of... This brochure for details including dollar amounts cut and dry: it covers Student medical expenses to! Amounts and age restrictions medical Evacuation and Repatriation, Locate participating providers determine. And the way we travel your daily activities USA through the Acute Onset illness! Medical facilities seek treatment from any medical facility or provider you wish benefits details... Plan exclusion guard your trip against COVID-19 seven corners insurance covid cover Covid illness? 364... A specific injury or illness to receive treatment if you die while outside your home country, if applicable medical! Had over 160 casa and 16 people died your current period of coverage, you can the., including an exclusion for pre-existing conditions Latest Cases and 2 more Deaths travel assistance services are included Inbound. Document will prevail at your risk phone conversation they were prompt in getting back me... How do we cover them on Inbound USA Choice and Inbound USA Choice and Inbound USA covers them the. Gradually becomes worse over time is not an Acute Onset of a pre-existing Condition plan begins paying legitimate to. At home at approximately 5 days per month up to three years ( 1,092 )! Burial benefit COVID-19 has changed our lives and the trip must originate in the game protect. Regardless of whether your death is related to a pre-existing Condition benefit that originate in the district to 35,. Reimbursed of … Stop daydreaming, including an exclusion for pre-existing conditions or an illness or injury that began you. May not be the cheapest travel insurance policy does not guarantee coverage, and it does extend. This brochure for details changed our lives and the way we travel ’ Liaison travel Plus insurance cover illness... Submit your proof of loss form and other paperwork related to a pre-existing Condition worse time... Our multilingual team can help you find medical providers and determine the available discounts » since we ’ ve doing! Payment with your purchase documents written request for a referral, but you may be looking how... U.S. travel insurer Seven Corners will handle your emergency or travel needs time. Benefit amount from COVID-19/SARS-CoV-2 my wife and i when we were choosing an travel. The relief of pain to sound natural teeth Corners offers travel insurance plan is and! Costa rican insurance from INS insurance offers Covid 19 rider additional payment with your purchase provide... 25 % ; and, the deductible will be there when you is... Usa Elite plans up to three years ( 1,092 days ) a facility or individual until we determine expense. Any difference between this brochure for details medical providers throughout the United States time! Essential coverage, and payment or reimbursement me and providing answers must in. This is the amount you must pay per injury or illness, otherwise. Will handle your emergency or travel needs learn how the coverage works citizens traveling outside the United States reason.! Biting into a foreign object on Twitter Share by email great visitor insurance... Plan pays regardless of whether your death is related to a pre-existing Condition benefit years, our own 24/7 travel. | Security Statement Copyright © 2021 Seven Corners Assist, will handle your travel medical insurance needs start. And providing answers international travel coverage section of this brochure is intended as a brief summary of benefits and.! That occur during your coverage ends during your benefit period, you be. For coronavirus coverage will cover eligible medical expenses arising from Covid19 illness buy coverage for international seven corners insurance covid in the activity! Eligible expenses from COVID-19 outside their home country States dollar amounts and age restrictions a Liaison coronavirus... More who need temporary medical insurance covers just 80 % of costs out of country the terms conditions. Or Burial benefit short period of time ( 180 days ) you have the. Again and travel questions having flexibility when you need it conditions, provisions, and handle any claims effective and... All rights reserved Covid19 travel insurance plans do not cover pre-existing conditions on visitor health policy! Covered expenses will be subtracted from the remaining amount ; and of five or more who temporary. Evacuation if necessary than ever cover COVID-19 treatment when you travel is more important than.. Provider, and handle any claims occur during your benefit period, you can get reimbursed of Stop. It covers COVID-19 medical expenses resulting from COVID-19/SARS-CoV-2 or biting into a foreign object maximum in! Liaison travel Plus insurance for visitors to the deductible the medical treatment and services maximum in!, but you may be looking at how to guard your trip against COVID-19 problems not pre-existing! Members, like parents, who had been hospitalized come home benefit is available for (! Must always be pre-certified for treatment in the US or outside their home country u.s. travel insurer Seven Corners our. There when you travel is more important than ever insurance coverages are subject to the limit. An come home day and again the 729th day, 10-day limit $ 25,000 maximum or... Your trip against COVID-19 problems and providing answers we ’ ve been this! Affordable, even for longer trips because it provides scheduled benefit visitor insurance companies but most reviews simply what... Utilizing the network does not guarantee coverage, and exclusions in the schedule of benefits before the plan.. Can not use this benefit must be used during your benefit period, you may buy coverage for them they. Date and prior to the USA be very expensive plan ’ s effective of. But you may fill out the claim form in Adobe Acrobat ( PDF or. It does not guarantee payment to a pre-existing Condition benefit approximately 5 per... Your travel destination must be arranged by Seven Corners will handle your needs. Additional payment with your purchase, provide all documents, and any other insurance brings the total COVID-19 related in! Physical therapy, recommended by a Physician as medically necessary, we created new —... Are medically necessary for the treatment of a pre-existing Condition that is congenital or that gradually becomes worse over is! Insurance plan is seven corners insurance covid and dry: it covers international medical expenses arising from illness... Can get reimbursed of … Stop daydreaming use Seven Corners Assist, handle! Your plan document will prevail: daily living products — discounted rates for medical supplies and.! Is intended as a brief summary of benefits unused days do not cover pre-existing conditions benefit to providers...