Inmate Medical Insurance - Hunt Insurance Group

Coverage Information

The Problem

Skyrocketing health care costs combined with Governmental Responsibility to pay for inmate medical care has created serious problems in the budgetary process. Correctional systems must budget and manage enough resources to provide adequate medical care for inmates. While routine and expected medical costs for county inmates are a significant financial burden on any county's budget; these costs are generally planned for and budgeted. It is the unexpected and often very high medical costs of an isolated injury or illness that can be devastating for a county's budget. Many counties have found that the cost of caring for even one unexpectedly and seriously injured or ill inmate can easily exceed hundreds of thousands of dollars.

The Solution

Hunt Insurance Group is proud to offer a unique program designed to protect local governments from excessive expenses resulting from catastrophic medical claims. A Catastrophic Inmate Medical Insurance Plan can be tailored for your jail allowing for more accurate budgeting by insuring inmate medical expenses of a catastrophic nature. The coverage can be purchased separately or in combination with other healthcare cost control services.

Coverage Benefits

· Off-site Inpatient Hospital Medical Care.
· Outpatient Surgery
· Coverage based on claims occurring in 12 months and paid in 18 months.
· No pre-existing condition exclusions.
· Prior to booking claims covered.
· Deductibles as low as $10,000 per inmate/per year.
· Limits of liability up to $500,000 per Inmate.
· Premiums can be paid monthly based on actual inmate count.

Claims Reimbursement

Hospital notification and claims forms are required on a timely basis after which reimbursement is usually made within 60 days

Standard Exclusions

· Expenses which are not inpatient or outpatient surgery
· Expenses which the governmental entity is not legally obligated to pay
· Expenses which are incurred after the inmate is released from custody
· A 72-hour waiting period applies to those inmates currently in the Insured's care custody and control.
· Expenses in connection with security or guarding of an Inmate
· Expenses in connection with any AIDS/HIV illness**
· Expenses resulting from substance abuse
· Expenses resulting from mental or nervous illness
· Expenses in connection with pregnancy**
· Expenses in connection with new born baby care

**Coverage for these options is available for an additional charge

The precise coverage afforded is subject to the terms, conditions and exclusions of the actual policies as issued by the insurance company.