REALTORS® CORE HEALTH INSURANCE – FREQUENTLY ASKED QUESTIONS

Click on a question below to see the answer and more information on the topic or call us at 877-267-3752 and we will do the work for you!

Why should I consider a REALTORS® Core Health Insurance (Limited Medical) plan?

There are several important reasons why people purchase limited medical (also known as mini-medical) plans. In summary; to save money, to access to "Guaranteed Acceptance" policy, and to supplement another plan which has high out of pocket expenses. Here are a few possible scenarios:  

  • I do not qualify for a Special Enrollment Period to enroll in Major Medical insurance outside Open Enrollment: REALTORS® Core Health Insurance plans are available year round. You can enroll in this plan at any time, but it is important to remember that you may be subject to the federal tax penalty.
  • I cannot afford traditional medical insurance: REALTORS®'s exclusive "guaranteed acceptance" plans will cover your everyday healthcare needs - but it's important to recognize that they are not major medical insurance. REALTORS® Core Health Insurance offers limited medical plans that are affordable and available to everyone because they provide set and limited dollar coverage for each medical service needed. 
  • I have major medical insurance but it is too expensive: An excellent way to save on medical insurance is to supplement a major medical plan with a REALTORS® Core Health Insurance plan. We recommend that you keep your major medical plan but increase your deductible and buy a RCHI plan to complement your major medical coverage.
Why would you increase your deductible? Because a program such as RCHI's Physician Only plan may offer equivalent coverage for your everyday healthcare needs (such as office visits and wellness visits) but at a much lower cost than your current coverage through your major medical plan - allowing you to change the terms of your major medical coverage and save money.

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Is REALTORS® Core Health Insurance major medical insurance?

These plans are not major medical coverage and are not intended to replace other medical coverage. If you have major medical insurance, you may save money by increasing your out-of-pocket (deductible) and use these plans to supplement coverage. However, you should not cancel your major medical coverage.

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What is the difference between Major Medical and Limited Medical (REALTORS® Core Health Insurance)?

It is important to understand the difference between major medical and limited medical insurance.  Major Medical provides comprehensive and catastrophic coverage. Because the cost of medical services continues to rise, many major medical insurance companies have increased the out-of-pocket costs for consumers, making the everyday cost of healthcare expensive. Limited Medical (RCHI) provides coverage for everyday illness and accident at affordable rates by offering specific benefits with capped limits of coverage. Limited Medical plans are useful in many situations:
  • Not eligible for a Special Enrollment Period to enroll in Major Medical insurance outside Open Enrollment: REALTORS® Core Health Insurance plans are available year round. You can enroll in this plan at any time, but it is important to remember that you may be subject to the federal tax penalty.
  •  Save money by supplementing current Major Medical Plan - If you have a major medical plan you can save money by increasing your current plan's deductible (out of pocket). Then take advantage of the Realtors® Core Health Plans value for your everyday healthcare needs. The "Physician Only Plan" covers office, wellness visits, x-ray/lab and accident benefits at an affordable price.
  • Uninsured due to affordability - If you have done your research and you simply cannot afford major medical then a limited medical plan may be a last option. Designed to offer benefits at a value.

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Do I qualify/am I eligible for REALTORS® Core Health Insurance?

To be eligible for any RCHI plan you must be an active member of the National Association of REALTORS® and:
  •  be over age 18, unless an eligible dependent of a member
  •  be under age 65 (persons over the age of 65 should look into a Medicare supplement or similar plan) reside in a qualified* state of United States
*Click here (or call 877-267-3752) and register to see if a plan is available in your state. If you receive a quote then your state is available. If your state is not available we will contact you once we get approval from your state department of insurance.

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Are REALTORS® Core Health Insurance plans available in every state and the U.S. territories?

Our goal is to have a plan available in every state and territory. Although coverage is available in the majority of states today, there are some still awaiting approvals from the state department of insurance. To see if the plans are available in your state, simply click here to register or call 877-267-3752.

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Do I have to be a United States citizen to be eligible for REALTORS® Core Health Insurance?

No, but you must be a permanent resident of the United States for 12 consecutive months and have a valid Social Security Number.

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What is the difference between the three exclusive REALTORS® Core Health Insurance plans developed for REALTORS®?

  • The Physician Only plan - Designed to supplement and complement major medical plans that have high out-of-pocket cost (deductibles, coinsurance, etc.). Increasing your major medical deductible and adding this RCHI plan may help you save money.
  • The Value plan - Offers both physician and hospitalization/surgery benefits. This plan was designed for someone who is on a limited budget. This plan can also supplement a major medical plan that involves a large out-of-pocket cost.
  • The Platinum plan - Offers the richest benefits of the three REALTORS® plans: It offers physician, hospitalization/surgery, and other benefits. This plan was designed for REALTORS® members who would otherwise not be able to get insurance ("uninsurable" due to pre-existing medical conditions or other issues).

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What are the medical underwriting requirements of REALTORS® Core Health Insurance plans?

All members of the National Association of REALTORS® and their eligible dependants who satisfy the eligibility requirements are automatically accepted. The plans are "Guaranteed Acceptance", which means as long as you meet the eligibility requirements and provide timely payment of premium you will be accepted into the program. There are no medical questions or exams to qualify.

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Are Pre-existing Conditions covered under REALTORS® Core Health Insurance and is there a waiting period?

Benefits such as doctor office and wellness visits; accident, x-ray and laboratory benefits have no pre-existing limitation clause on these plans. However, benefits under Hospital, ICU/CCU, Surgery or Anesthesia are not payable for any pre-existing condition for the first 12-months following an insured's effective date. There is a 30 day waiting period for services rendered for illness and sickness (illness or disease) from the effective date of the policy. There is no (0 day) waiting period for accident related services. NOTE: Please review your policy for any additional limitations and exclusions. If you have access (states availability varies) to the PPO (prefered provider option) you may receive up to 40% on services covered and/or not covered (pre-existing, waiting period, excluded) by the REALTORS® Core Health Insurance plans.

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I have current medical conditions; do I still qualify for REALTORS® Core Health Insurance?

These plans are "Guaranteed Acceptance"; as long as you meet the eligibility requirements you qualify. The 12-month pre-existing condition provision, will apply to any Hospital, ICU/CCU, Surgery or Anesthesia.

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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.

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What is the definition of Pre-existing Condition limitation under REALTORS® Core Health Insurance?

Pre-existing Condition means a medical condition, Injury or Sickness, not excluded by name or specific description, for which:

  1.  Medical advice, Consultation, care or treatment was recommended by, or received from, a Doctor within 12-months immediately prior to the Effective Date of coverage for a Covered Person; or
  2. Symptoms existed within 12-months immediately prior to the Effective Date of coverage for a Covered Person that would cause a reasonable person to seek Consultation, care, or treatment from a Doctor.
"Consultation" means evaluation, diagnosis, or medical advice given without the necessity of a personal examination or visit. The Pre-existing Condition limitation only applies to Surgery, Anesthesia, Hospital, and ICU/CCU benefits.

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Can I have another medical insurance plan in addition to REALTORS® Core Health Insurance?

Yes, and it may be an excellent way for you to save money. For example; Jimmy is paying $800 for his $250 deductible major medical policy. If Jimmy increases his deductible to $1,500 his premiums go down to $550 per month. With his savings of $250 per month he is able to purchase the "Physician Plan" which will cover his Office/Wellness visits and Accident benefit. Because the plans are affordable, Jimmy has supplemented his current plan and saved money. However, please note that you may not be covered under more than one REALTORS® Core Health Insurance plan per person.

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Will I receive an insurance ID card for REALTORS® Core Health Insurance?

You will receive instant access to printable RCHI ID cards once you enroll. To apply, click here. Also, plastic cards are mailed out to your residence within 3 days of enrollment via USPS. You should expect to receive them no later than two weeks.

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When does REALTORS® Core Health Insurance coverage begin?

Coverage becomes effective next day (12:01 am) following the date the completed enrollment form is received and approved, or a specified date in the future (not more than 30 days in advance), provided that full premium for the coverage has been received. Note: Please check your policy for information on pre-existing conditions, waiting periods and other limitations and exclusions.

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When does REALTORS® Core Health Insurance coverage end?

An insured Member's coverage ends when the Member is no longer eligible (see your policy's eligibility questions), premium payments are discontinued (subject to the grace period), when the policy terminates, Member reaches age 65, or when the Member is no longer in good standing with the association, whichever occurs first. Coverage on a dependent ends on the earliest date they no longer meet the definition of an eligible dependent or on the date the Primary Member's coverage terminates, whichever occurs first.

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What are the payment options for REALTORS® Core Health Insurance?

Online payment is the most popular choice; you can arrange for manual payments each month or you can set up automatic payments that are withdrawn from your credit card or checking/savings account. You can check the status of your payments online. You may also set up email alerts to let you know when payments will be withdrawn. Another option is to have paper bills sent to your address of residence. Extra fees may apply for this payment option. Monthly Options: If you have chosen a payment method of Credit Card or EFT your payments will be deducted from that account given on the scheduled billing date each month. It is set up for you automatically so you have the peace of mind that your payments will not be missed. If you choose the offline payment option, you will then be responsible for mailing in the payments each month on the scheduled billing date. Payment coupons will be sent to you to help you remember your billing date.  Extra fees may apply for this payment option.   Mail payments to: Realtors® Core Health Plans P.O. Box 998 Janesville, WI 53547

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Is there a place where I can go online to view my payment history?

Yes. All members have access to the customer service login. You will be able to view not only payment information, you will have access to view claim status, billing, cancellation procedure and even the links to view your certificate, plus more!

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I missed a payment for my REALTORS® Core Health Insurance plan. Is there a grace period?

Your policy gives you 31 days from the due date to post a new payment. If a payment has not been posted within that time, your policy will terminate due to nonpayment. Your insurance coverage dates will reflect the approved payments made.

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What happens if I review my REALTORS® Core Health Insurance application and notice that some of my personal information is incorrect?

If changes need to be made on an application, you will need to contact the customer service department at 1-800-279-2290 or send us an email from your customer service login.

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Who is an eligible dependent under REALTORS® Core Health Insurance?

Eligible Dependent means:

  1. Your lawful spouse; and
  2. Your child(ren) age 26 and younger.
"Child" includes stepchild, foster child, legally adopted child, a child of adoptive parents pending adoption proceedings, and natural child.

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Are newly acquired dependent children covered under REALTORS® Core Health Insurance?

Your child or children born after your enrollment/effective date will be effective from the moment of birth and will remain in effect for 31-days. An adopted child or child placed with you for the purpose of adoption will be covered for 31-days from the date of adoption or placement. To continue the child's coverage You must send us written notice directing us to add the child or children to your coverage. We must receive this notice within the 31-days after the child's date of birth, adoption or placement. Any required additional premium must accompany your notice. If you do not send us the required notification and any additional premium, the child's coverage will end after the 31-days.

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When should I enroll my dependents under REALTORS® Core Health Insurance?

Eligible dependents should be enrolled at the time of application. If you would like to add dependents at another time, you may but they will have their own preexisting condition limitation (12/12) clause (see preexisting condition definition) and waiting period (30 days for sickness related conditions, 0 for accident) to satisfy. Dependents enrolled at a later date will take effect at the following month renewal date.

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How do I add a person to a REALTORS® Core Health Insurance plan after the effective date?

To add a person, you must:
  • Complete and submit a new enrollment application by clicking here for such person for approval; and
  • Contact billing (1-877-279-2290; or email rchi@sasid.com), request "Change Authorization Request Form", complete form, and send in to SASid (PO Box 998, Janesville, WI 53546)
  • Pay any additional premium required
If the application for coverage of the new Eligible Dependent is approved, the Effective Date of such person's coverage will be shown by an endorsement to your certificate.

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Can I use any doctor, clinic, or hospital with REALTORS® Core Health Insurance?

Yes. Covered members and dependents can use any licensed medical provider. Some states have a PPO (preferred provider option) available which may provide additional savings to the insured(s). We encourage members to use this valuable benefit when available.

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Is there a provider network of doctors (PPO option) with REALTORS® Core Health Insurance?

You may go to any licensed physician or hospital with these insurance plans. In some states there is a PPO network option (based on state availability) which can provide additional savings on your healthcare, if you choose to use it. Preferred Provider Organizations (PPOs) have negotiated discounts with providers (doctors, hospitals, etc.) nationwide. By utilizing providers in these networks you can save money on your healthcare. The PPO networks are an option for you and are not mandatory, although it is typically in your best interest to use a PPO provider. Based on your state of residence REALTORS® Core Health Insurance Plans will add a PPO network (if available) to your plan automatically.* The REALTORS® Core Health Insurance Plans utilize the MultiPlan PPO network.  The network has almost 900,000 providers nationwide.  When you request a quote or purchase a RCHI plan if the network shows up ("Quotes" or "My Plans") then it is available to you (you will be able to search providers here also).  If the network does not show up then it is not available in your state at this time.  You may also call  877-267-3752 to find out if the network is available in your state.

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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.

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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.

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How do I cancel my REALTORS® Core Health Insurance policy?

Policy cancellation procedure: (1) Fax (or scan and email) us a written request for cancellation a minimum of 5 days prior to the billing date. U.S. Mail is an option as well, but remember that the request must be received 5 days prior to the current month's billing  date. The automatic billing date is the date of the 1st payment made. Any requests received less than 5 days prior to the current month's billing date will be processed for cancellation before the next month's billing date. (2) Include: -the policy holder's Name & Address -the policy holder's Date of Birth -the policy ID number -the date the policy is to be cancelled -the reason for cancellation -the policy holder's signature (3) Our fax number is 608-755-7955 Alternate Fax 253-595-6901. Our Mailing address is: Insurance TPA PO Box 998 Janesville, WI 53547 (4) Attn. Customer Service and Billing Dept.

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Does NAR offer a national Major Medical group insurance plan?

In an effort to find a healthcare solution, many members turn to NAR hoping that the Association offers a national group major medical insurance plan. Although group medical insurance plans are available to corporations for their employees, "A" rated insurance companies have been reluctant to offer such plans on a national scale to associations for their members, particularly when the members are independent contractors and participation in a plan is voluntary. This is because of the complexity and administrative burden of offering a group insurance program that meets the differing requirements of the fifty states. Click here to learn more. If you are in need of Major Medical; SASid (the administrator of REALTORS® Core Health Insurance) has experts which can provide you with a recommendation.

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