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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:What all comes under pre-existing conditions.does having heart blockage or thyroid considered under pre-existing conditions??

A:
Any illness or injury that existed within the body before the start date whether diagnosed or not falls under a pre-existing.
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Q:I am a provider who is already in network with Aetna PPO. Am I also in network with First Health PPO then? If not how do I get credentialed with them?

A:
We would advise you call first health directly to confirm.
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Q:Jet2 have cancelled my daughters holiday booked for summer 26 due to flight changes. They have refunded holiday costs paid so far but will not refund the cost of insurance for the package. This is over 100 and it seems totally unfair that that she loses this money due to circumstances totally out of her control. Your advice will be appreciated.

A:
Many trip cancelation plans do offer a free-look period in which they offer refunds. past that period the plan unfortunately does not offer a refund.
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Q:Hi I am having severe neck pain and back of my head pain If I go to emergency room and do mri scan in a hospital will all the expenses will be covered by insurance company or should I pay money out of my pocket.

A:
The plans cover what is medically necesarry to diagnose and treat a new injury or illness. you can contact your benefits department on the back of your ID card to verify coverage with the insurance company.
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Q:HiI am a J1 research scholar in University of Illinois Urbana Champaign. I want ti buy an insurance for three months with 250 dollar deductible. However if i extend it for next three months, this 250 dollar deductible will still be charged again, if i charged already in previous plan.

A:
Extensions do not affect the deductible.
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Q:How can I get First Health PPO insurance for IVF

A:
We do not sell first health insurance. we only sell plans that use the First health PPO network.
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