Policy of the Health Insurance Risk-Sharing Plan
Medicare Supplement

The following are documents (PDF format) which include comprehensive information on the Health Insurance Risk Sharing Plan (HIRSP) policy. Please read the amendments that follow for important information which may effect how you interpret your policy.

HIRSP Policy

Policy Effective Date

If HIRSP approves your application, your policy becomes effective on one of the following dates:

  • The date HIRSP received your completed application, which includes all requested documentation and the full initial premium as indicated under What to Submit With Your Application.
  • The effective date you choose on your application, which is no more than 60 days after the date you sign the application. HIRSP may honor this request if HIRSP receives all your application materials before the requested effective date.

If HIRSP approves your application, HIRSP will reimburse covered services from HIRSP-certified providers from your policy effective date to your termination date. Reimbursement will be subject to all of the following:

  • The six-month waiting period for coverage of pre-existing conditions, if applicable
  • Deductibles
  • Coinsurance
  • Copayments
  • The conditions, limitations and exclusions stated in the HIRSP policy