What does HFI mean in HEALTHCARE

Health Family Insurance (HFI) is a health plan that provides comprehensive coverage to families across the United States. It offers affordable options for individuals, families and businesses with a variety of deductible, copay and coinsurance options. HFI also offers discounts on prescription drugs and other medical services through its nationwide network of providers.

To apply for HFI coverage, you must complete the application form located on our website. The form requires basic information about yourself and your family, including name, date of birth, address and contact information. Once completed and accepted by our team, you will be assigned a policy number which can be used to access and manage your coverage through our secure online portal.

Yes! All HFI policies include coverage for certain pre-existing conditions such as asthma or diabetes. This means that you will not have to worry about paying out of pocket costs if you suffer from any long term illnesses or injuries prior to beginning your policy with us.

Our health plans offer comprehensive coverage, meaning they provide financial support for both routine and emergency care. Services include preventative care, hospitalization expenses, doctor visits, lab tests and imaging, mental health services and many more depending on the type of plan you select.

Your policy limit is the total amount that your insurance company will pay out in benefits up to a certain dollar amount each year before requiring you to pay any remaining costs out of pocket. Depending on the type of plan chosen, this could range between $500-$10,000 per individual or family member each year.

Generally speaking, no referral is needed when seeking care from in-network specialists; however it is important to check with your provider prior to scheduling an appointment just in case as some specialties may require authorization from a primary care physician prior to receiving treatment from them.

Yes! Under most policies, if you choose an out-of-network provider then the amount paid by your insurer may be significantly lower than what would normally be covered if seeing an in-network physician resulting in additional charges being billed directly to you. Therefore it is important that all providers seen are verified as being covered under your chosen plan beforehand.

Most Health Family Insurance plans offer optional vision and dental benefits at an additional cost which can help reduce out of pocket costs associated with these specific treatments/services once enrolled.

Yes! If you are required to travel outside your local area in order to receive specialist care then we can reimburse reasonable travel expenses incurred so long as they meet criteria outlined within our Clinical Referral Guidelines.