Health Insurance provides financial assistance against medical contingencies. If you apply for medical coverage after you get sick you are unlikely to get coverage. Regularly paying a set premium for health coverage assures that money will be available to defray the cost of everything from routine checkups to catastrophic medical bills. 

A valid form of picture ID along with a copy of a recent utility bill to verify your identity and proof of address. Additionally, you would need to complete a Group Health Statement and an Enrollment Form. Additional requirements may be required upon review of the Group Health Statement.

Active members of TEXTEL Credit Union, under the age of 99 years old.

This is not advisable and you may be required to submit Evidence of Insurability before you are considered to rejoin the plan. 

No, health insurance does not allow for refund of premiums or attract a no-claim bonus.

Holders of GENMED Cards, within the Network of Providers, will have their insurance benefit applied to the invoice immediately. Reimbursements done through the completion of claim forms would usually take 2 – 3 weeks from the time the claim forms are either uploaded onto the Online Portal or reach our office. However, there may be occasions where the Insurance Provider may need request more information. When more information is required, the processing time may be extended until all questions are answered or all requested information is provided.      

Eligible expenses refer to costs incurred for medical care resulting from accident or illness. These must be administered/prescribed by a licensed medical practitioner and the services rendered must be related to the diagnosis.  

-Co-insurance is a fixed percentage that you pay toward each service.  

A stated period after the beginning of coverage during which no benefits are paid. Your plan carries waiting periods for Dental (3 months), Vision (3 months), Preventative Care (3 months) and Maternity (10 months). This is applicable to both Members and Dependents.

A pre-existing condition is a health condition (other than a pregnancy) or medical problem that was diagnosed or treated during a specified timeframe prior to the commencement of coverage. Your plan allows for a maximum of TT$1,000 for pre-existing conditions for the 1st 24 months.

- Claims for dependent children should be submitted to the father’s Insurer first.

A beneficiary is the person or entity entitled to receive any claim amounts and other benefits upon the death of the member. It is advised that this person be 18 years and older and can include siblings, aunts, uncles and parents.

Medical expenses incurred for treatment abroad will be payable at the reasonable and customary levels prevailing in Trinidad and Tobago, unless it is proved to the satisfaction of the Company that such medical treatment is not available locally.   This must be certified by two physicians, one of whom must be a specialist in the field of medicine to which the illness applies.  Beacon’s Medical Adviser must give approval of treatment prior to departure abroad.

Settlement of claims under this Plan is on a reimbursement basis, i.e. expenses will be initially borne by the Member and Beacon will reimburse the insured Member up to the amounts recoverable under the plan when a properly documented claim is submitted on the prescribed claim form. Be sure to attach all related bills. Benefits may be assigned by the member for various services (hospital, surgeons, MRI, Dental & Vision), in which case Beacon will pay direct to the provider the amount to which the Member may be entitled in respect of hospital and surgical expenses. 

Certification is a notification of anticipated or schedule medical services that is required in advance of the actual medical treatment. Before you actually receive treatment or incur the medical expenses, Beacon, upon request by the Provider, issues a pre-approval letter stating whether the anticipated service is eligible for coverage and the level of charges that would be reimbursed from the health plan. Note: Any difference between the actual charges and the estimated cost as stated on the pre-certification will be for the insured’s account                             

A letter from the treating Physician or Medical facility with an itemization of the charges and the type of treatment/procedure recommended or scheduled must be sent to the Society, to be forwarded to Beacon.

   You need to have a referral from a GP in order to make a claim for a visit to a specialist. Ensure that you keep a copy of this referral to attach to the claim form. Should you visit a specialist without a referral, you would be reimbursed as if you visited a GP.