Do the REALTORS® Core Health Insurance plans cover pregnancy/maternity care?

No, these plans do not cover normal pregnancy. However, they do cover complications of pregnancy.  Also, if you utilize the PPO (Preferred Provider Option) you may recieve up to 40% discount on your pre and post maternity services.

The best option if you are planning to become pregnant and need coverage is to try to acquire a group policy through an employer or acquire an individual major medical policy. You can do this during Open Enrollment, or through a Special Enrollment Period (click here to learn more about special enrollment periods). You should plan ahead and access a major medical or group plan before you become pregnant. If you’re unsure what to do, always call a licensed benefit specialist who can advise you of your options at 877-267-3752.

If you are currently pregnant – you will need group coverage through an employer (which has maternity coverage). Individual major medical plans are a good option too, but you can only enroll during Open Enrollment or if you have a qualifying event that triggers a special enrollment period.

Will these REALTORS® Core Health Insurance plans cover all of my medical expenses?

No, limited plans are very clear in what they cover. If it is not on the schedule page of benefits then it is likely not covered. It is important that you review the plan details for exclusions and limitations information. Call a representative at 1-877-CORE-PLAN to discuss your options.

Are prescriptions covered under REALTORS® Core Health Insurance?

All plans include a discount prescription drug card. You can save up to 50% on generic brands and up to 15% on brand names.

The definition of a generic drug is: A generic drug is a medication that has met the standards set by the Food and Drug Administration (FDA) to assure its bioequivalency to the original patented brand name medication. Once a generic drug is approved by the FDA as being bioequivalent, its level of safety, purity, strength and effectiveness is the same as the brand name product.