Frequently Asked Questions
Select a Topic
- Am I allowed to change my Primary Care Practitioner?
- Are referrals ever needed?
- Are routine eye exams covered?
- Are routine wellness exams covered?
- Are there co-pays for office visits?
- Can women choose an OB/GYN as a Primary Care Practitioner?
- Does NHP apply pre-existing limitations?
- How are late enrollments handled? Are there any situations where late enrollments are allowed?
- How long are college students eligible for coverage? What if they are not a fulltime student but still financially dependent on the parents?
- Is a referral and an authorization the same thing?
- Is Durable Medical Equipment (DME) such as a wheelchair covered?
- Is oral surgery a covered benefit?
- Is there a co-pay for Emergency Room visits?
- Must I choose a Primary Care Practitioner?
- What are the prescription drug co-pays?
- What if a member disagrees with a denial or partial denial of a claim or authorization?
- What if a member has two health insurance policies?
- What if I receive medical care out of the service area and the facility requires me to pay for my services?
- What is the difference between an Internal Medicine Doctor and a Family Practice Doctor?
- What provider choices are available to me?
- Who is considered an eligible dependent?
- Will dependents who are away at college have any coverage if they get sick or injured?
