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
Your first premium payment is considered part of your application. The first premium must be paid on or before the enrollment deadline. Failure to provide a completed application and first month of premium by the applicable enrollment deadline will result in a delay of enrollment or loss of eligibility. 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 charged beginning the first of the month after the member is added. For example, if a child is added due to their birth on August 8th, we will begin charging premium on September 1st. If the child is born on August 1st, we will begin charging premium for the child on August 1st. All premiums subsequent to the first premium will be due on the first of the day of the applicant’s billing cycle. Premiums preferably should be paid through our website. It is the subscriber’s responsibility to pay premiums to Hometown Health. Under no circumstances will premium payments be accepted from a physician, hospital or any other provider of the subscriber’s or their dependent’s healthcare services. The receipt of a premium from such a provider may result in cancellation of the subscriber’s coverage. It is the subscriber’s responsibility to notify Hometown Health of any address or email change by signing into our member portal at HometownHealth.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 subscriber from the responsibility to pay required premium 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.