Homeland4one Plans

Homeland4one Plans are LIMITED MEDICAL BENEFIT PLANS that are guaranteed issue. You cannot be turned down and there are no exclusions for pre-existing conditions for outpatient benefits.

Actively At Work Requirement: If a person is not actively at work on the last scheduled work day coincident with or preceding the date his or her insurance would otherwise become effective, insurance will not be effective until the date such person returns to and remains actively at work.

If an Eligible Dependent is unable to engage in the normal activities of a person in good health of like age and sex on the date the insurance would otherwise become effective, coverage will not be effective until the date such person is able to engage in the normal activities of a person in good health of like age and sex. This will not apply to an Eligible Dependent Child who is incapable of self-sustaining employment by reason of mental or physical incapacity, and who is primarily dependent on the Insured for support and maintenance.

Disclaimers

• In order to place insurance, Marsh enters into agreements commonly called "agency agreements" which authorize Marsh Consumer Connexions to solicit the sale of the insurers' products and sets forth the terms of trade between Marsh Consumer Connexions and the insurers. As part of Marsh Consumer Connexions's best practices we are disclosing the following information regarding our compensation on your health insurance policy. If you elect to apply and the application is medically approved and issued by the carrier, Marsh Consumer Connexions will be paid commissions on the first year premium as well as the renewal premium should you elect to renew the policy in the future. The following grid shows you the percentage commission Marsh Consumer Connexions will receive:

  	First Year	Renewal
  AIG	13%	13%

  The base medical rates filed by the carriers with the state agencies are the same rates provided to you. State law mandates that the premium charged to the insured be consistent regardless of whether you purchase through an agent/broker or go directly to the insurance company. The above commission percentages may differ in some states and all carriers are not available in all states. By clicking "Get Quote", you are acknowledging and consenting to the above terms. You can count on Marsh Consumer Connexions to offer high quality health insurance programs that will meet you and your family's needs. Marsh & McLennan Companies, Inc. and its subsidiaries own equity interests in certain insurers and have contractual arrangements with certain insurers and wholesale brokers. Information regarding such interests and contracts is available at http://global.marsh.com/about/Transparency.php Your premium payment indicates your consent to this commission for this policy period and subsequent renewals, including any changes in commission rates at any such renewals.