At Hometown Health, the security and protection of your health information is our top priority. We use Secure Socket Layer (SSL) technology to ensure that all of the information that you provide will be secure. SSL is used to secure data transmission over the internet.
If you haven't already, you will also be asked to create an account before we ask you for any sensitive information. This adds a further layer of security to your transactions because you must be authenticated before you are asked to provide and sensitive information.
If your coverage is terminated, premiums that we receive for coverage applicable to periods after the effective date of termination will be refunded within 30 days, less any medical costs incurred by us for that period. Any claims for refunds must be made in writing within 90 days from the effective date of termination of your coverage or otherwise the right to such refunds will be deemed waived.
How Premiums are Established and Changed
Premiums are the monthly charges the member must pay Hometown Health to establish and maintain coverage. Hometown Health determines and establishes the required premiums. Prior to a premium change, Hometown Health will send out written notification 60 days in advance of such change via email. If the member’s premium is paid beyond the effective date of the change, Hometown Health may require the member to pay an additional premium or accept a refund, whichever is necessary. If the age of the member is misstated, all amounts payable for the correct age shall be adjusted and billed to the member.
How and When to Pay Premiums
The first premium must be paid on or before the effective date of coverage under this certificate. Members will not be covered until Hometown Health receives that first payment. Coverage will be effective at 12:01 a.m. on the effective date as stated when subscriber accepts the rates on-line. After the first payment, the member’s entire premium shall be due on the first day of the applicant’s billing cycle. Premiums for dependents added mid-billing cycle will be prorated for the remainder of the applicant’s billing cycle. Any premiums following will be due on the first of the day of the applicant’s billing cycle. Premiums preferably should be paid through the on-line application web site. It is the subscriber’s responsibility to pay premiums to Hometown Health. Under no circumstances will premium payments be made on any member’s behalf or any member be accepted from a physician, a hospital or any other provider of the subscriber’s health care services or any federal or state agency. The receipt of a premium payment from such a provider or agency may result in cancellation of the subscriber’s coverage. The member may be responsible for an additional $50 charge for any item returned or dishonored by the bank as non-payable to Hometown Health for any reason. Note: The subscriber must notify Hometown Health of any address or email changes by signing into myhometownbenefits.com or calling Customer Service. Failure to receive a premium notice due to an unreported email change (or any other reason) does not relieve the member from the responsibility to pay required premiums by the premium due date.
Premium Not Received on Time
If the entire premium due is not paid within the 30 day grace period (with the exception of the first premium), coverage under this certificate will automatically terminate. Cancellation will be effective retroactively to the last date of the period for which premium has been paid. Hometown Health will not pay for any services provided to members on or after the date of cancellation. All claims paid after termination will be retroactively adjusted. Hometown Health will provide written notice of any intention not to renew this certificate for the period for which the premium has been accepted not less than 30 days prior to the premium due date. Hometown Health will provide the notice to the subscriber’s latest physical or email address in Hometown Health’s membership record.