SmartPay Pro 5000

Conception that occurred prior to membership is not eligible for sharing. Newborns must be enrolled within 30 days of birth. Critical Illness: 30-day waiting period applies. Pre-approval required for imaging, hospital procedures, and rehabilitation (25% penalty if not obtained). Care Coordination mandatory for pre-planned, non-emergent procedures (cancer, orthopedic, cardiac, neuro, dialysis, transplants, wound care, GI, prosthetics).